23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I called XXXX XXXX and was told I cant get my payments lowered because my account is less than XXXX payments less so I cant refinance for a more affordable monthly payment. 

I then tried to get an extension and was told by an agent as long as I make a one time {$740.00} payment to get my account out of 60+ days past due, then I am eligible for an extension. In the extension I was told I wouldnt have to make a payment until XX/XX/year>. The company did not honor this agreement and after many escalations they are now claiming my next payment will be due XXXX XXXX. This is a violation of the original agreement. 

The company refuses to replay the original call from XXXX XXXX. And everytime I ask for a call study or the issue to be escalated, no agent can find any information on the matter and then the issue gets escalated AGAIN, and AGAIN I am being told to call back in two business day, and then the cycle repeats itself again. I have been calling all month to get the issue resolved but have been getting the run around. They are trying to have me wait it out until so I either comply or forget about it. If they listen to the call from XXXX XXXX where the agent first offered the extension terms everything would be cleared up. Ally is practicing in predatory lending.
Product: Checking or savings account

A fake XXXX Support ( XXXX XXXX XXXX ) pretended as if they were helping me fixing my laptop issue and tricked me and took {$1400.00} using my phone screen share function. They registered their own number XXXX under 'my name ( XXXX XXXX XXXX ' and withdrew the money of {$1400.00} yesterday ( XX/XX/2022 ) using my Bank of America XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report and XXXX Letters last XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I had a sears Mastercard and received a letter in the mail saying it was going to be changing. It said to keep using the card I had until then. Said they would be mailing the new cards out in XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year>. My card expired on XX/XX/year> and they never sent me another card. I called them today and they said my account has been closed that I would have to reapply for a card. I informed them of the letter I received in the mail and they said I would not be getting that card any longer. I have attached the letter they mailed to me.
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit that I didnt initiate. I contacted the companies to no avail. I contacted XXXX, XXXX and experian again to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing credit report I noticed that have some unauthorized hard inquiries. Please remove all listed below from all XXXX credit bureau because it effecting me in negatively. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX duplicate XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX IXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I rented an apartment 5 years ago, renewed my lease after a year and lost my job 3 months into my second lease. I couldn't afford the rent payments and had to move out. I was told i would owe rent until the apartment was re-leased to a new tenant. Well, 4 years later and i have NEVER received any billing statements or letters about the debt owed, yet my credit report is showing that i owe {$12000.00} to a company called R.S. Clark & Associates in reference to the apartment. I recently called and spoke to the account manager at the apartments and asked if she could tell me when the apartment was leased after i left ... she couldn't. I asked her for any info in reference to my account ... she couldn't. She was the 3rd or 4th account manager in 4 years and referred me to the collection agency, RS Clark for the documents and information i was requesting because she didn't have it. I called RS Clark and asked for the same info. That account manager referred me back to the account manager at the apartment complex. I informed her that they sent me to her. I also let her know that in 4 years i have never received any information, billing statements, letters, etc about the debt yet it's on my credit repory and NO ONE can show me proof of the debt that i supposedly owe. 
That was 3 weeks ago and even after i updated my address with RS Clark i STILL HAVE'NT received any info on this debt! What they did do was update my credit report with a missed payment but how?!? I was bullied into paying {$6000.00}, ( half of the XXXX ), which i didn't pay because i requested documentation to show a breakdown of the amount and still haven't received anything so how did i miss a payment? And how are they just now reporting ONE missed payment in 4 years?! 
Please help me because without proof of the debt, the detailed account breakdown, no letters in 4 years and neither the apartment account manager or collection account manager knowing anything, I'm disputing the debt and want it removed from my credit report asap!

I've tried on my own but have yet to get any help and it's affecting my credit.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing in response to recent allegations of fraudulent accounts [ XXXX XXXX and Capitol One ]. After a thorough investigation, I can confirm that I have no knowledge or involvement in such activities.
Product: Money transfer, virtual currency, or money service

you and your account. 
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Experian Has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 consumer reporting agency may not furnish an account without my written instructions, under 15 USCs 1666 B a creditor may nottreat a payment on a credit account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Hello, Due to Zelles lack of transparency I would for them to be held accountable and have better steps in the future to warn people that they can not dispute transfers if sent to the wrong person. It is due to their negligence and the quickness of the operations that their shouldve been better steps taken to prevent this from happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account MID-ATLANTIC FINANCE which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that MID-ATLANTIC FINANCE was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to our attention that XXXXXXXX XXXX XXXXXXXX XXXX XXXX has been demanded us to make payments in error pursuant to 12 CFR 1026.13. Since the inception of the account which is defined under 12 CFR 1002.2 defined as extension of credit and the word account refers only to open-end credit. Open-end credit is defined via Truth in Lending ( 12 CFR 1026.2 ) see below : Open-end credit means consumer credit extended by a creditor under a plan in which ( i ) The creditor reasonably contemplates repeated transactions ; ( ii ) The creditor may impose a finance charge from time to time on an outstanding unpaid balance ; and ( iii ) The amount of credit that may be extended to the consumer during the term of the plan ( up to any limit set by the creditor ) is generally made available to the extent that any outstanding balance is repaid. You have been requiring Federal Reserve notes as payment, when in fact the application with financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. This will also serve as notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced Creditor/Bailor/Beneficiary via mail within Three ( 3 ) business days or accepted for its intended purpose within Three ( 3 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Product: Payday loan, title loan, personal loan, or advance loan

I paid off a loan with USAA XXXX XXXX {$8300.00} online through direct electronic payment from my already added external bank account XXXX XXXX XXXX XXXX and a few days later they claimed the payment didnt go through but the money came out my external XXXX XXXX XXXX XXXX Account and USAA requested over the phone all my external account information for verification which I thought was strange but because of the payoff amount I gave the information to them on XX/XX/XXXX and they verified the amounts deposited. the following day another payment was taken this time for {$8300.00} processed ACH. Very similiar amount which I believe was to throw off anyone who may just glance at the account because I did not realize until less than a month later that my external bank account as well as my USAA accounts were wiped out. I reported it to the banks as well as law enforcement right away and they all did NOTHING. I had no idea my accounts actually were compromised in their bank USAA as well as their affiliate AND umbrella companies ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX the insurance department, the credit card department , rewards for the debit and credit cards, member distributions accounts all of which i am apart of and do business with. After months the company has finally made me aware that my accounts were compromised but would not give me any details and no reimbursment. They also informed me to change my user ids, passwords and even suggested I get a new phone number because apparently I was in XXXX and XXXX talking to the bank at the same time. The bank has no records of any large payments, deposits or payment credits on my accounts in the past 24 months which is crazy but the loan is showing paid. The entire loan was predatory. The rates were outrageous and the fees were whatever they felt. Though they have gotten thousands in deposits from me they have no records. Im being told the personal loans are handled or issued by a separate department not banking so im confused as to how they are moving money within the organization. The entire institution is compromised.
Product: Credit reporting or other personal consumer reports

I have already submitted a report. I not heard back in 30 days. 

I am a victim of XXXX trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

These are unauthorized inquiries and I am a victim of identity theft. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD SERVICES XX/XX/XXXX
Product: Checking or savings account

Capital One Small Business Checking Account. 

Case # XXXX I am a yacht broker. My client wired {$810000.00} ( in XXXX transactions ), the last of which was XX/XX/XXXX. 

I sent a wire disbursing the funds to the seller on the morning of XX/XX/XXXX. I recieved a confirmation message promising funds transfer by XXXX that day. 

I communicated that to my client and the selling broker. 

On the night of the XXXX when I checked my account, I saw that Capital One held the wire and froze my account. They say it's because I did not provide a Business Certificate with my new address.

I submitted all of the supporting forms within 48 hours.

I was forced to discern what documents might solve the issue by combing the case notes with the help of the customer service operators. No formal or written communication has been received from Capital One at the time of this writing.

Now seven days later, Capital One refuses to communicate the status of the investigation, nor a target date for resolution. I am only told " there is no timeframe ''. I am calling now less than 3 times per day. Each call lasts XXXX to XXXX minutes. 

In the meantime, the transaction is still held up, and. I am being threatened with losing the sale ( or worse ). My bills go un-paid. My rent goes unpaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, tried to reach the Credit Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent received an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this message finds you well. I am writing to address an ongoing issue that has persisted despite my repeated attempts to resolve it with your agency. Unfortunately, my previous filings of complaint have yielded no resolution, and the fraudulent items I reported remain unaddressed in my credit reports. I must emphasize that this is now the seventh time I am reaching out to you to request the removal of the disputed items, which were evidently the result of identity theft. As a victim of this unfortunate crime, I am determined to rectify my credit report and restore my financial integrity. I have taken all appropriate measures to address the identity theft situation, including filing an official report with the Federal Trade Commission as evidence of the unauthorized nature of these items. I firmly assert that I have not granted permission nor authorized any individual or entity to access my private and confidential records, especially the inaccurate information tarnishing my credit report. Accordingly, I demand the XXXX, XXXX and TransUnion Credit Bureaus to take immediate action in accordance with the FCRA Section 605b and promptly remove the following fraudulent items : XXXX : XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$72.00} XXXX XXXX  XXXX Balance Owed : {$74.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX XXXX : XXXX XXXXXXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$43000.00}  XXXXT XXXX Balance Owed : {$2200.00} TRANSUNION : XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$20000.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX
Product: Debt collection

I do not own the account and there have been no documents provided from the original account XXXX XXXX XXXX and trust that proves the account belongs to me. I will be filing a police report and making another complaint.
Product: Consumer Loan

I took a title loan out with Wilshire Consumer Credit, an extremely high interest, short term loan, for about {$2600.00}. The terms were 10 % per month. I intended to only have to make one payment before paying them off but I ended up making two, XX/XX/XXXX & XX/XX/XXXX but then I had the funds to pay off the loan XX/XX/XXXX. Because I had to wait for a check to clear I called in to provide my account information on XXXX XXXX, I was given a payoff amount, was told that the funds would be removed in the next day or two and my pink slip would be returned in about 5 to 7 days. on XXXX XXXX I started receiving calls from Wilshire. When I responded I was told by the lady who answered that they had not been able to take the monies owed because I had given them incorrect account information and that I now owed an additional $ XXXX. I told her that I 'd given the correct information and asked why I would intentionally give them an incorrect account number. I also asked why they had n't called me back and at least leave a message immediately upon realizing there was a mistake. I was told that I should 've realized the monies had n't been removed and since I wanted my pink slip it was my responsibility to contact them. I told the lady that I was happy to pay the payoff amount given on XXXX XXXX but no more. Her reply was that was n't going to happen and she passed me on to her supervisor, XXXX XXXX. XXXX initially i.d . 'd himself as being XXXX XXXX for some reason. XXXX then proceeded to intentionally mangle the pronunciation of my last name, XXXX. Then when he reviewed the matter, he also stated that I had given them an incorrect account number. When I rejected that notion he became very condescending and told me that there was a tape of the conversation, that he would listen to and then decided if I had given an incorrect account number or not. I told him that we should listen to the tape together. He rejected that and said that was n't possible. Through out the conversation XXXX was extremely condescending and very unprofessional in that he repeatedly cut me off and talked over me, many times being merely repetitive. He ended the call by saying he would listen to the tape & make his judgement. I did n't hear from XXXX until XXXX/XXXX/15, when I received a collection call. I checked my account & they still have n't removed the funds. I just went through the same initial call that I went through before but with a more polite and professional individual. The results have been the same, he attempted to pass me off to his supervisor but the supervisor was in the meeting. To me it 's very clear what they 're doing. They intentionally wrote down the account number wrong and want to collect an additional few hundred dollars. It 's probably a way they pay their employees.