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

I had taken this loan out in XXXX while i was stationed at XXXX XXXX XXXX. I was XXXX years old when i needed cash because i found out i wasn't going to recieve a paychecl due to a XXXX XXXX XXXX problem with the Finance Department. 

I made a few payments but was unable to keep up with the interest rates. 

I got out of the Military XX/XX/XXXX. I never received a single phone call from the company to resolve the debt, not one. i never received a bill in the mail - and i properly change my address upon each move i have ever made - with the USPS. 

here we are now in XXXX and i receive a phone call from Law firm that they are taking me to court in XXXX  ( I live in XXXX ) the first phone call i received was Last week on Thursday but they didn't answer - i just remember the wait time music. so when they called today i heard the music and thought, " Oh this is that weird phone call i got last week, i wonder what this is for? '' so when they picked up and explained the situation it all made sense. 

so from XXXX to XXXX i had never received a call, or bill and still haven't. they allowed me no turn around on going to XXXX  to answer the summons, and i haven't even received a summons formally in the mail as of yet? 

In XXXX i filed Chapter XXXX Bankruptcy and was under the impression this was covered under the loan. 

I was unaware of the Military Lending Act At the Time i applied for this payday/cash loan. i was also unaware of the Civil Servicemember Reliefe Act.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Product: Credit reporting or other personal consumer reports

The following credit card accounts currently listed and showing on my XXXX and Equifax credit report is showing the accounts are open and the accounts supposed to currently be closed credit card accounts : XXXX XXXX XXXX XXXX XXXX {$380.00}, XXXX XXXX XXXX, {$250.00}, XXXX XXXX XXXX, XXXX XXXX {$110.00} and XXXX XXXX XXXX, {$390.00} XXXX The credit card accounts are suppose to be closed accounts with a balance of {$0.00}. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I saw my emails today and noticed that my loan I took out around XXXX. I paid off the loan around XXXX and didn't get a confirmation and noticed my emails they began charging me from the beginning of XXXX. They claimed that they were trying to get a hold of me but they didn't I don't recall their phone number.
Product: Debt collection

XXXX XXXX XXXX breached my account several times I got my phone in XXXX they said I got it in XXXX and this is defamation of character Some one else opened up an XXXX XXXX XXXX account in my name and this was identity theft
Product: Debt collection

MERCHANTS CREDIT GUI OPENED ON XX/XX/2020 FOR {$720.00} DOLLARS WAS NOT OPENED WITH MY PERMISSION.
Product: Checking or savings account

I discovered multiple charges on my account it were not made by me they were unauthorized charges they were not made with the debit card they were made with a online device I believe my cell phone that was stolen from my vehicle I submitted the complaints to chime Bank and the first four which I get online they issued me a temporary credit and are still working on those there were multiple charges more so I contacted the bank over the phone and we filed a complaint for all the other charges less than an hour later my dispute was already denied when I was finally able to get reasoning from them I believe that it was inadequate of an investigation under regulation e in the time sense I reopened the claim by submitting the police report the cyber crimes report emails many things everything that I could and also an explanation and also to remove some of the charges and I'm not really getting any communication on the bank permit they're being really short with their emails and just sending computer generated ones and I feel like they haven't even taken the complaint out of the denied area yet so I can't even submit new stuff for it I feel like I'm just kind of getting the run around at this point
Product: Money transfer, virtual currency, or money service

Cash app close my XXXX account. I'm not sure when it was close I didn't realize until XX/XX/XXXX between XXXX XXXX XXXX XXXX XXXX. They close my XXXX account in XXXX They didn't give me a reason why this account was closed. I'm stilling waiting for a reason why they close the most recent account. They tried to say the the reason was gambling activity, but I receive and send money to my sister and brother. Cash app said they would let me know why the account was closed. The account in XXXX it was closed completely I couldn't sign in. I had stock on that account. I lost money. And now they closed my second account with no good reason.
Product: Credit reporting, credit repair services, 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. 

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

A vehicle was repossessed in 2018 and XXXX XXXX is reporting it erroneously as the North Carolina XXXX of limitations is up for the debt. The date of last payment and account activity was XX/XX/2018. The North Carolina Statute for agreements or installment agreements such as car loans expire in 3 years. Its been 5 years. This account should be deleted immediately.
Product: Mortgage

They said there is not enough time to do a modification due to the sheriff sale being so close. They speak a different language they arent even from the XXXX. They have zero sympathy for what has happened to me and they want XXXX XXXX dollars to keep my house l. Insane. I lost my job in XXXX of 2019 then COVID hit a few months after and it was devastating. These mortgages companies do not care about Americans becoming homeless someone please help us. They will not. Millions of us are losing homes and they want all the months past due on the house are you serious l? How is that realistic?
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I sent my client a {$1200.00} invoice with JP Morgan Chase 's payment link to charge my client for the services I provided to him. The client paid the invoice amount through the payment link. However, We Pay Inc, the payment processing services under JP Morgan Chase thought this payment is high risky. They simply closed my We Pay account. And said they will withhold that payment for 120 days as reserve. And they did not provide further communication or any detailed information after that. I think this is illegal. There is no reason for them to withhold that payment for 120 days if they can not process it. It should be sent back to payer. I just started my business and everything is legal.

We Pay Inc even doesn't have a phone number for the communication. This JP Morgan Chase payment processing company is a totally fraud or scam.

Please see attached docs about this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts are stating that I was late when in fact I wasn't..please delete this negative item reporting on XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX..Because it is ruining my financial reputation
Product: Debt collection

Wells Fargo has charged a Fee of {$120.00} to my account for a legal order. I expressed to them that the funds were from a XXXX payment case. Wells Fargo and other banks alike are charging excessive fees for writing a check to a debitor. I wasn't representated by Wells  in court nor did I receive LEGAL COUNCIL. Why does Wells Fargo think it's Ok to charge a fee, that of which an attorney can make, for less than 10min of work. Wells Fargo has been hit with a {$250.00} million door settlement for excessive overdraft fees. This should also be a consideration moving forward. 


And this is the kicker. Wells Fargo instructed me to contact the Franchise Tax Board and have them write Wells Fargo a letter stating that there was an error. I'm still scratching my head on that one. In short they want me to call the Franchise Tax Board and have the FTB tell Wells Fargo that there's been an error with your fees. FTB didn't access the fees XXXX! Why would FTB call and complain or write a letter regarding fees they didn't charge. 

Name # XXXX XXXX Case # XXXX Amount # XXXX
Product: Debt collection

I have had my attorney send letters to Medical Revenue Service regarding their attempts to collect on this alleged debt and their non-compliant debt collection practices. I am requesting that the CFPB investigate as to why this company does not respond to our requests surrounding this debt. No lawsuits have been filed YET.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  - This account is involved in litigation. This account is being disputed for the reason previously stated.
Product: Debt collection

Based on my credit report the account was falsely opened in 2021 at XXXX. The only interaction that I had with this club was a free trial. To acquire a free trial I had to provide first name last name and Identification and sign for the trial, this was explained to me by the front desk person at the time. 

I never agreed, or signed any binding contract beyond a trial basis. 

The company Allied is now collecting for a debt that I simply was not aware i ever acquired and says that it is for XXXX XXXX month term. total amount owed was XXXX I have never made and payments towards this balance because I was under the impression it was only a trail. I had decided that the XXXX wasn't for me after XXXX day trial and i didn't want to sign up for a membership. 

This account was opened on false pretenses of a trial and was a bait and switch situation. I was mislead in the trail and now they are repotting to my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRES : XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX/XXXX : XX/XX/XXXX
Product: Vehicle loan or lease

THIS COMPANY VIOLATED MY RIGHTS AND THE TRUTH OF LENDING ACT THE 15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title ACCORDING TO MY CONTRACT THE FINACE CHARGE IS THE SUM OF ALL CHARGES WHICH IS XXXX THIS COMPANY DECIDED TO CHARGE ME A TOTAL OF XXXX I HAVE PICS FOR PROOF THATS A XXXX DOLLAR DIFFERENCE ON TOP THAT THE DEALER TOOK MY XXXX DOLLAR CASH DOWNPAYMENT AND INCLUDED IT IN THE TOTAL SALE PRICE WHICH IS A VIOLATION OF 15 U.S. Code 1692e - False or misleading representations AND A VIOLATION OF 15 USC 1692J Furnishing certain deceptive forms ALSO THE DEALER DID NOT DISCLOSE THE SECURITY INTEREST IN SMALL WRITING, Vehicle Code Section 11713.18 11713.21 was violated as well
Product: Debt collection

Please see previous complaints related to this account. 
In addition to the previous, they were allowed to garnish me even after the debt was Paid in Full. They have sent a Pif letter but they did not mention or send anything regarding my refund check from overpayment. It was paid XX/XX/year> but obtained a court date of XXXX to collect the funds. They owe me XXXX. My dispute was not investigated properly and I have submitted feedback on that already through this portal. Only XXXX partial call was reviewed and the description of the call was not accurate. I want every incoming and out call from my number reviewed. I want the notes on the account reviewed. 
I WILL PROCEED WILL LEGAL ACTION AMD DEMAND FOR SOMEONE TO GET THIS REFUND TAKEN CARE OF IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/XXXX I contacted XXXX Credit Card Customer Service and supplied my social security number to them to investigate the issue that appeared on my credit report saying that I have had a balance of {$440.00} on a XXXX Credit Card through XXXX since XXXX. The problem with that being in XXXX I was only XXXX XXXX XXXX and I opened no such card and have never had a XXXX Credit Card my entire adult life. So the fact that this has been plaguing my credit report and causing me serious problems with my credit score was something I only recently found out and decided to further investigate. I contacted Equifax and the informed me that for them to resolve this matter and remove the incorrect account from my credit report I would need to file an FTC report. Which I am assuming is what I am filling out here.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Credit Collection Address : Account XXXX Your NAME : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Credit Collection I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Mortgage

XXXX/Quicken Loans pulled my credit without my authorization and permissible purpose. 
I have attached documentation. I need this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian are still violating my rights and hurting my ability to obtain credit by reporting inaccurate information on my credit report. They have failed to provide any proof I owe this company. Once again please provide the original purchase agreement with my signature that shows XXXX  XXXX - XXXX are the legal owner of this alleged debt including all the terms and conditions that are included in the purchase agreement, original application and all statements from open to close and the original agreement between me and XXXX XXXX with my signature, the names, addresses and telephone numbers of the individuals that the credit bureaus contacted during their investigation for XXXX  XXXX. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the reinvestigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. If XXXX XXXX can not provide requested information the credit bureaus must delete it.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023, I received my monthly statement and when I looked at the statement, I noticed that the amount was more than what I usually pay monthly. My monthly recurring bill is {$53.00} but it went to {$250.00}. I have called the company numerous of times trying to get this issue resolved but they keep telling me they are still investigating the issue. I also noticed that the remaining balance amount and the statement balance do not match. This is not the first time I had an issue with this company. I had to file complaint against them a few months ago due to the not reporting the correct information on my credit report and stating I owe amount that was incorrect. The case number for that complaint is XXXX.
Product: Payday loan, title loan, or personal loan

US Bank coerced me into adding a reserve line to my student checking account, when I was still a college XXXX, and I'm nearly XXXX, still struggling to pay off the debt I've accrued to this reserve line account. Since the beginning of XXXX, I have paid off the entire value of the principle amount, along with over {$250.00} above that initial amount, which has not changed since the account was opened. My banking statements say my billing period is every 30 days, but in XXXX alone, they have withdrawn funds from that account eleven ( 11 ) times in intervals smaller than that ; on 4 occasions, they automatically withdrew funds less than 1 week after a prior withdrawal. I am currently a XXXX   XXXX  on a fixed income, and with the massive loss of income I've suffered due to COVID-19 shutdowns, I need this account closed and these predatory practices to stop ASAP. It is bleeding me dry, and affecting my ability to pay utilities and important expenses.
Product: Debt collection

Collection company information : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Telephone : XXXX XXXX XXXX  Amount : {$1900.00} original creditor : XXXX XXXX  Original balance : {$1600.00} This account does not belong to me, it was the obligation of the company I work for to pay it.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 


XXXX XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I am writing about fraud perpetrated against me by American Express and XXXX. This past Spring I booked a cancelable hotel room in XXXX, I was going to visit my granddaughter who was studying abroad. I had XXXX XXXX and submitted proof a month in advance of the trip, that my doctor would not allow me to travel. No hotel room was used, yet Amex conspired with XXXX to then ( later ) charge me {$1100.00} for services I did not receive, use of the hotel. I submitted proof to Amex that the trip was cancelable, but even when escalated Amex indicated that XXXX was a larger customer than I am ( I am XXXX XXXX XXXX and a 50 year member ) and so they felt obligated to commit fraud with XXXX and charge me. Although my reservation was cancelable at no charge, XXXX somehow claimed they had decided to book a non-cancellable hotel and they would be charged so they needed to commit fraud with Amex 's assistance and charge me.