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

Around XX/XX/2019, I applied for a loan and was approved for XXXX. I then called, as the email that I received advised me to do, to speak with a representative to ask questions about the loan. He reassured me that I could pay the loan off early or making a large payment before the first initial payment is due would help with the minimum payment amount going forward. I accepted the loan. I then gave XXXX another call ( another name they are known as is XXXX XXXX ) on XX/XX/2019 due to the payment being due on the XXXX to see how much I would have to have paid on the due date ( XXXX ) and to discuss options with paying them back. I set up a XXXX dollar payment to come out on the due date. the rep advised me by the end of the call that it would be beneficial to pay the loan off by the due date. I said ok, let me see what I can do. I advised the rep to leave the payment set up on the account. I then called back on the XXXX to make the payment in full ( the remaining balance which is due on the XXXX!! ) and was told by the representative to wait until tomorrow ( which would be the XXXX ) to make the remaining payment. I call on the XXXX and they are now telling me that I have to make a payment in the amount of XXXX dollars!!! I explained to them what was due on the due date and they tried to explain to me that the payment that was made was a payment towards the principal. I escalated the problem to a supervisor! She called me the next day and tried to explain to me that they could offer me a deal to pay the balance in full with a payment of XXXX dollars!!!! This is terrible. I wanted to pay my loan in FULL on the actual date when it was due and Im being charged an additional XXXX dollars to do so!!!! Had I been told that any payment made on the account would only count as a payment and not to help me pay my balance in full I would of simply waited!!! That makes no sense! Im disappointed that this is happening. I hope people choose not to work with this company at ALL!!!
Product: Credit reporting or other personal consumer reports

i am a victim of Identity theft i dont have any knowledge of these fraudulent inquiries that are showing on my credit report please remove them immediately off my credit report
Product: Checking or savings account

Chase Bank is in violation of the XXXX Funds Transfer Act. 
On XX/XX/year>, someone accessed my checking account using a ATM at Chase bank located on XXXX XXXX XXXX CA They withdrew {$180.00} from my account. I received an email alert regarding the transaction. I contacted Chase fraud division as soon as possible the next day. I explained what happened and requested the card be deactivated and an investigation be done. I requested they look at the ATM photo to verify it wasn't me. The funds were " temporarily '' returned to my account while they investigated the claim. 
I am a widow. I live Alone. No one has access to my bank card or information. 
On XX/XX/year>. I received another notice from Chase informing me that the investigation was complete. It was declared by them that whoever was at the ATM had my card and code information and so I must have given them the authorization to use my card. Chase is now going to retrieve the {$180.00}. from my account. 
I believe my card was skimmed by somebody. I possess the only card and I WAS NOT AT THE ATM. 
I informed that I have witnesses that will verify I was home 20 miles away when the ATM was accessed. I currently have construction at my home and the workers can verify I was home during the robbery. I went to the Chase bank XXXX XXXX, 2024 where the ATM is located and spoke with the bank mgr ( XXXX XXXX ). I requested that he look at the ATM footage and verify IT'S NOT ME. 
He is not capable of doing that. He can only request further investigation by fraud division asking them to look at the ATM photo. 
The investigators conclusion since whomever had the card had the chip code information so it had to be me card that was used. 
This is false I was NOT there.
Product: Debt collection

Spoke to guy at capital one this morning, they are trying to collect a debt that was discharged in bankruptcy, also put a dormant achount active status on my credit report when I reported my XXXX balance paid was reported balance increase yesterday on credit report, now they are doing all this because of bankruptcy and being rude to me, got nowhere, they are trying to collect that debt from me discharged in 2017!!! I want them to stop messing with my credit report innaccurate info!!! I did contact attorney in this as well!!! Now they are harassing me for this debt discharged in 2017
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to extreme circumstances beyond my control, I was 32 days late on a payment. I've never been late on any previous payments and I am current with all payments now. This happened due to extraordinary circumstances out of my control. I was affected by COVID-19 and unable to access my account or internet/phone from XX/XX/XXXX - XX/XX/XXXX. I was then a victim of auto theft that lead to Identity Theft and had to change all banking /financial information. As I verified all of my financial accounts and filed police reports/investigations I noticed that XXXX XXXX had a different last name associated on my account. They did not notify me of this incorrect Last name at any time. I was alarmed and believed this was due to the identity theft however I found out that XXXX  was at fault for placing a wrong last name on my account. XXXX  had a copy of my drivers license with my correct name and contract signed with my correct name. They are at fault for not verifying and correcting my contract. 

I called into all my financial institutions to notify them on the XXXX of XXXX. XXXX  has been ( the only institution ) unwilling to remove a 30 day late mark to the credit bureaus. They are unwilling to understand the severity of my situation and take some accountability for an error on my statements/account. I have offered to submit police reports and other documents and they have turned down every attempt I have tried to put forth. From a business relationship, legally and Ethically that this is a violation. 

In summary the 30 day late payment was Due to a combination of the below events/factors : 1. COVID-19 2. Identity Theft ( Compromised financial accounts and online email, etc. ) 3. XXXX  placing an incorrect name on my contract ( please see attached statement with incorrect Name )
Product: Debt collection

Convergent Outsourcing is trying to collect a debt for XXXX on an account I had in XXXX. The bill I owed when I relocated to XXXX was {$25.00}. I received a bill in the mail today stating that I owed the creditor {$790.00} with an offer to settle the debt for {$470.00}. I knew that this was wrong and I contacted them and they told me that I only owed the said {$25.00}. I advised that I would pay this bill but requested a document/bill stating that was the amount owed. I had researched this company and it seems that they do this more frequently than I realized. Attempting to collect a higher amount, and if you disregard they will ruin your credit. This needs to be addressed I feel since it can be considered fraud (?? ) possibly?? Or as I felt when I received this bill harassed. I have the account number and document and written documentation of my conversation with Convergent this evening. Thank you.
Product: Debt collection

I have made many attempts to make lower settlement as they bought account. I originally owed XXXX on account that had a XXXX credit limit. Debt collector is not willing to go less than {$740.00}. The original cardholder wouldnt accept a payment from a new bank account. Ive have specified I can not afford the full amount, and they said they will continue to report me weekly to credit bureaus until its paid in full. My credit is so damaged from a new collections every month. This is originally XXXX XXXX XXXX XXXX XXXX. Now held with spring oaks capital llc.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was no permissible use of any of these accounts. I have made multiple attempts, to resolve this issue. I filed incident reports with XXXX XXXX and XXXX stating the accounts were fraud. I have issued supporting documents and attached my police report in all claims, and still with no resolution. Below you will find information on those accounts dates and amounts. Please let me know if theres anything else I need to add. 


XXXX. KOHLS XXXX  XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX ( XXXX ) XXXX Amount : {$400.00} Date Open : XX/XX/2017 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Amount : {$490.00} Date Open : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE THESE INQUIRIES, DELETE PLEASE XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later, I have not received a response. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ) plainly states that a failure to investigate these claims within 30 days gives a reason to immediately remove those items claims from my credit report.It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation do to the stress I have been caused. My information was also impacted by XXXX data breach and may have got into the hands of the wrong person,
Product: Money transfer, virtual currency, or money service

Once I realized that the person I had sent money to via XXXX was impersonating my known associate, I immediately contacted my bank, Navy Federal Credit Union on Friday XX/XX/XXXX. I asked my bank to open an investigation so I can show proof that the person that I thought was my friend was being impersonated by a scammer. In addition, they then proceeded to fraudulently represent XXXX. Navy Federal Credit Union then claimed I had to address this with XXXX and that they would open a claim. I then called again on XX/XX/XXXX and asked once again to submit all proof of imposter fraud for investigation to have money refunded or issue a charge back. They said they wouldnt accept additional information and a case was opened and there was nothing more than I can do. I then stated that I was protected by a new ruling with XXXX transactions processed through a banking institution concerning imposter fraud and would like to then proceed with submitting the information showing this was such a case. I once again requested the case be investigated, once again they refused to take further information showing proof of such a case. I was not allowed to submit anything and they stated there was nothing more they could do. I asked for a case number or confirmation showing the case progression and the banking representative stated there was no information that she could provide me.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equaifax for failing to properly investigate my disputes regarding my submissions, Equifax consistently responds within XXXX hours starting the account is accurate, without proving any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax Complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX, account number 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 an account without my written instructions
Product: Debt collection

They call me and demand over {$700.00} in medical Bill 's. Say they can give me 40 % off if I pay it through them, and not to pay the hospital to pay them instead.
Product: Credit card or prepaid card

I first was told my {$750.00} pre-paid debit card from XXXX, through Bank of America was sent to my old address, but never received. Once I complained about that, I did get a new one issued through Bank of America. Card number XXXX with an expiration date of XX/XX/20. 

Once Covid-19 hit I forgot about the card and quite frankly the expiration date. I went to try to use it this week and was told it had expired. I called Bank of America and was told it indeed has expired and that the money was forfeited. I asked where the money was and if it went back to XXXX or to Bank of American and I was again told it was simply forfeited. 

I see my part in this as I did not know it truly expired. However, between not receiving the original card and Covid-19, I believe I should receive the {$750.00} or at least know which company " profits '' my {$750.00} so I know not to do business with them any longer.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my profile. These accounts are hurting my ability to obtain credit and purchase a home for my children. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the accounts I am asking you to verify accuracy : Experian : XXXX XXXX XXXX. account number- XXXX name- XXXX XXXX. account number- XXXX name- XXXX XXXX XXXX account number- XXXX name- XXXX XXXX XXXX account number- XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a personal complaint regarding my credit record. Upon review, I discovered late payments that I dispute. I sent correspondence about this issue over 30 days ago but have received no response, nor have I been provided with satisfactory validation of these late payments. I am seeking your intervention to resolve this matter.
Product: Credit card or prepaid card

on XX/XX/XXXX I received a letter from citi bank for the shop your way card saying that they were closing the account do to delinquency of payments I have had this card for 2 years and never used it it has caused a drastic drop in my credit score because of their actions. I do believe that this is a blatant slap in the face.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX ), ( XX/XX/year> ), Contents of Complaint : This Cfbp complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX XXXX XXXXXXXX {$490.00}, {$1600.00}, XXXX XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXX XXXX CLOSED, XXXX XXXX XXXXXXXX {$1300.00}, XXXX XXXX XXXX XXXX XXXXXXXX {$2100.00}, XXXX XXXX XXXX  XXXX {$170.00} AS PER THE GUIDANCE FROM THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) THE DOCUMENT NEEDED AND LETTER FROM A ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX XXXX, WHICH FALLS UNDER TRAFFICKING ACCORDING TO TRAFFICKNG- DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5 -- 1002.142 ( B ) ( 7 ). I KINDLY REQUEST THAT YOU BLOCKING THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF HUMAN TRAFFICKING OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED COMPANY INFORMATION XXXX. PLEASE DELETE THE FOLLOWING ACCOUNTS. XXXX XXXX XXXX XXXX {$490.00}, {$1600.00}, XXXX XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXX XXXX CLOSED, XXXX XXXX XXXXXXXX {$1300.00}, XXXX XXXX XXXX XXXX  XXXX {$2100.00}, XXXX XXXXXXXX XXXX XXXX {$170.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

For the past 4 years, Wells Fargo has been holding deposits longer then reported and not reporting their transactions through their online banking the way that they are processing them through their server. This has caused my account to go into the negative which then caused several overage fees. 

In XXXX of XXXX, my account was compromised and I was told that they could not prove that the disputed charges were not mine. That was all of the response I was given. 

Also, in XXXX of XXXX, my then XXXX year old daughter opened a checking account that was linked to mine. In XXXX, the month that she turned XXXX, she was then informed that she " Had to open a second account '' as well because now she was an adult and could not have an account shared with me. She did not know any better and agreed to having two accounts because she was young and did not know any better. They pressured her and she continued to have that account for four more years, paying fees and getting random charges. Then one day, the bank closed the account. No notice, No warning. Just closed it. Causing automatic withdrawals to be returned and her to get charged fees. This was roughly the same time that Wells Fargo was caught opening fraudulent accounts. This leads me to believe that they were trying to hide the fact that they created this account in the first place. 

I have called and fought countless times. When you ask the customer service representative to many questions, they repeatedly tell you that they are sorry your frustrated but never really give you a clear answer. When you ask that they elevate your call, the average wait time is 30 minutes. I am moving my banking but believe that this is an ongoing practice to increase fees for the bank. 

It is a predatory practice and one that needs to be recognized for what it is.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I made a XXXX transfer through Bank of America to my cell phone number.The cell phone number was previously registered to someone else through XXXX XXXX.I have had the cell phone number for 2 years and I went to my XXXX account and updated it.The {$400.00} i transferred went to an unknown XXXX XXXX account.Ive reached out to bank of america and they are telling me they reached out to XXXX and they can't do anything to retrieve my money back.
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 : DPT EDXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 al
so 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 rec
ords 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: Mortgage

My HELOC with First Tennessee Bank is being reported as closed by the XXXX credit bureaus. I have been making payments on this account for over ten years ( last six months of statements are enclosed ). In XXXX I filed a complaint against First Tennessee Bank with the CFPB ( case # XXXX ) stating that my account was not being reported to the XXXX bureaus. XXXX XXXX XXXX responded by letter for First Tennessee Bank dated XXXX/XXXX/XXXX ( letter enclosed ) saying that they would take care of it. I disputed this response because although First Tennessee Bank started reporting the payments they still reported the account as closed. This is the current situation. The bureaus are reporting the monthly payments ( over {$2600.00} a month ) but still report the account as closed. On XXXX/XXXX/XXXX I contacted First Tennessee Bank 's Customer Solutions Department and asked to speak with XXXX XXXX but was told she does n't talk on the phone. 

I have disputed this account with all XXXX bureaus, even faxing in my HELOC statements while also pointing out that they are reporting the monthly payments but still reporting the account as closed. This has affected the average age of my accounts that affects my credit score. In XXXX I made the last payment on a six-year auto loan and the account was closed. The next month XXXX XXXX dropped my credit score XXXX points as my average age of accounts dropped to less than six months. This has affected my ability to refinance my HELOC which is in it 's repayment period. 

The timeline of this account started on XXXX/XXXX/XXXX when I opened this HELOC with First Horizon Home Loans, a division of First Tennessee Bank N.A. On XXXX/XXXX/XXXX the servicing of this loan was transferred to XXXX XXXX XXXX, XXXX ( letter enclosed ). The HELOC was then transferred back to First Horizon effected XXXX/XXXX/XXXX ( letter enclosed ). A letter dated XXXX/XXXX/XXXX informed me that First Horizon was now First Tennessee Bank ( letter enclosed ). 

ACTION NEEDEDThis HELOC with First Tennessee Bank should be reported as open with a 10 year credit history. 

Under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

I have contacted an attorney who has advised me to file XXXX more complaint against the XXXX credit bureaus with the CFPB. If this situation is not remedied I will proceed and file a complaint in Federal District Court for violation of my rights under the FCRA naming First Tennessee Bank, and the XXXX credit bureaus.