23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

The Fair Credit Reporting Act has as part of its complex legal process a definitive timeline as to when a credit trade line is to be removed. In the trade line under my name XXXX I had periods since XXXX where my payments were in excess of XXXX days late. 
XXXX XXXX is extending the time period by a process known as re-aging of debt. They are doing this by the elimination of a payment history, stating that the trade line will be removed from all pertinent credit reporting agencies XX/XX/XXXX. I believe that the 7-year rule properly applied will show that I had late payments long before XX/XX/XXXX, and that the XXXX XXXX trade line must be removed immediately and permanently. 
XXXX XXXX HAS NO OTHER RECOURSE BUT TO REMOVE MY ACCOUNT INFORMATION BASED UPON FCRA 7-YEAR RULE ON NEGATIVE INFORMATION!!! 
I REQUEST A PROPER REINVESTIGATION WHEREAS ALL PAYMENTS CAN BE POSTED TO ASCERTAIN THAT MY NEGATIVE PAYMENT HISTORY STARTED LONG BEFORE XXXX, AND THAT THE TIMELINE FOR THIS CREDIT ITEM HAS PASSED IT RESOURCEFUL PERIOD OF USEFULLNESS. 
THE XXXX XXXX ITEM POSTED ON MY CREDIT BUREAU MUST BE DELETED PERMANENTLY, AND I SHOULD RECEIVE A REVISED CREDIT BUREAU ACCORDINGLY FROM EACH CREDIT REPORTING AGENCY WHERE I FILED A LEGITIMATE COMPLAINT THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU.
Product: Credit card

I had XXXX in XXXX on XXXX/XXXX/XXXX. The total charge was {$18000.00}. I had to use XXXX credit cards to pay the charge. {$17000.00} on XXXX and {$1800.00} on Chase. The merchant or bank in XXXX charged my cards three times for the amounts above. XXXX was legitimate, the XXXX XXXX they refunded in XXXX, XXXX and the XXXX XXXX was an issue getting it back. However XXXX was diligent and was able to get the third charge returned. Chase has denied the third charge as being a dispute and told me it was my issue. Now they are also saying it 's been too long and they ca n't do anything about it. ( {$1800.00} ). I have been in contact with Chase every week or multiple times a week by e-mail and phone and even sent a registered packet with all the documentation showing there is only XXXX charge - period. I even have an e-mail from the merchant stating the " total '' is {$18000.00}. I did n't know where else to turn.
Product: Credit reporting or other personal consumer reports

I am reaching out to you regarding the compromise of my social security number, as I have fallen XX/XX/XXXX to XX/XX/XXXX I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ). 
I kindly request that you block and remove all information
Product: Credit reporting, credit repair services, or other personal consumer reports

Took out loan for vehicle in XX/XX/XXXX. Traded vehicle in as down payment for newer vehicle in XX/XX/XXXX. XXXX finance company previously reported late payments on account to all 3 credit reporting agencies at the time of vehicle trade in in XX/XX/XXXX. XXXX finance company has recently added several additional late payments in XX/XX/XXXX to an account which has been closed since XX/XX/XXXX. Additional late payments are incorrect, fictitious and misappropriated and I am requesting immediate removal of this data from account history and credit reporting agency files immediately. Credit reports in XX/XX/XXXX reflected late payments reported to all 3 credit reporting agencies. In XX/XX/XXXX, XXXX finance company reported several additional late payments to all 3 credit reporting agencies while account has been closed due to vehicle trade in since XX/XX/XXXX. As of XX/XX/XXXX XXXX finance company had previously been reporting to Transunion a total of 2 late payments from XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX XXXX finance company has added 6 additional late payments to my Transunion file for a total of 8 late payments in which none of the dates currently being reported were previously reported-data is inaccurate/incorrect and does not match and needs to be removed immediately due to erroneous reporting. As of XX/XX/XXXX XXXX finance company had previously been reporting to XXXX a total of 4 late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX XXXX finance company has added 5 additional late payments for a total of 9 late payments in which none of the dates currently being reported were previously reported-data is incorrect/inaccurate and does not match and needs to be removed immediately due to erroneous reporting. As of XX/XX/XXXX XXXX finance company had previously been reporting to XXXX a total of 4 late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX XXXX XXXXinance company has added 2 additional late payments for a total of 6 late and there is also a discrepancy in dates being reported as they are not accurate based on previously reported data. Information is incorrect/inaccurate and needs to be removed immediately due to erroneous reporting. XXXX finance company is also still reporting on time payments to XXXX from XX/XX/XXXX thru XX/XX/XXXX thus far while the account has been closed and paid off since XX/XX/XXXX.
Product: Debt collection

I went to this XXXX around 6 years ago and before having any procedure performed my insurance was verified By the XXXX and after any procedure was done I had paid my portion of the costs. 3 months after the procedure had already been performed I had lost my job and the insurance company decided not to honor their portion of the bill. The XXXX decided, even though they had verified my insurance prior to the procedure, that the bill should land on me. It 's been in collection ever since. Also, the collector seems to be tacking on an extra XXXX dollars to the debt each year the debt is unpaid. I have not once been contacted or received any documentation from the collector. I only know about it because of checking my credit score. I had previously disputed this debt with the credit agencies, but for some reason it seems that the collector had provided some sort of proof. Regardless of what that proof is, I do not agree to have the responsibility of this debt. This XXXX had verified my insurance prior to the procedure being performed and I would not have had any procedures performed without having insurance in the first place.
Product: Payday loan, title loan, personal loan, or advance loan

Due to unforeseen circumstances, I found myself in need of a XXXX XXXX title loan that was acquired in XXXX. By XXXX, my car was repossessed due to non-payment of the title loan within 45 days. During this period, I was transitioning between residences and faced challenges like misplacing my phone. Despite the lender 's claim of attempting contact through emails, mailing addresses, and phone calls, I regrettably never received any messages. They also mentioned reaching out to my references, who, to my surprise, never informed me about any communication attempts. 

The sudden repossession of my car left me in a state of urgency. Initially informed of an amount around {$1000.00}, which I managed to gather promptly, I later discovered that the outstanding sum had escalated to {$1900.00} within a day. Unable to meet such a steep demand, I inquired about refinancing or adjusting the loan terms, only to face refusal and a lack of transparency from the lender. Consequently, my vehicle was sold, exacerbating my hardships and leading to the threat of eviction. 

The absence of my primary mode of transportation has substantially impacted my work commute, further straining my financial stability. Despite my willingness to honor even a reduced monthly payment of {$62.00} or receive adequate communication regarding the loan default, I have been left in a distressing and uncertain situation. It is imperative that my rights as a borrower are upheld, and I seek fair treatment and resolution in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, Creditor Contact : Not Available add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Crdit Reporting Agency Name are violating my rights as a consumer and I'm requesting legal action to remove this account immediately
Product: Checking or savings account

On XX/XX/year>, I received a notice about verifying my account demographics. When I logged in and went to my personal information tab, I noticed they had my name incorrectly. I sent them a message on XX/XX/year> about how I never legally changed my name, the name " XXXX '' was incorrectly added to my account and my name for 31 years has been XXXX. They began to request various documentations supporting my claim. I submitted my Driver 's License, XXXX Permit Card, Bank Statements, Marriage Certificate, Divorce Decree and they have rejected all information. They have not provided any proof my name was ever XXXX XXXX '' XXXX XXXX. They have been unwilling to simply correct an error their system made.
Product: Payday loan, title loan, personal loan, or advance loan

This company is TitleMax. When I apply the loan. The agent said the interest rate about 9 % something. But I paid 1 year already and just find down the interest rate 119 % .. this is unexpected.. I tried to call them .but they said that the loan company like that. 
I loan them {$6000.00} I make payment them 1 year already but the loan still {$6300.00} Store address is XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX
Product: Credit reporting

My dispute involves mainly Experian but XXXX and sometimes XXXX as well. Their tactics are so transparent. They clearly make more money by reporting anything and everything to make consumers look like a credit risk. Example XXXX XXXX mistakenly pulled my credit a second time within a 30 day period after I spoke with their senior executive that assured me they were n't going to. When it happened of course the XXXX bureaus are hot to report it. I contact XXXX XXXX and get a letter stating it was a mistake. I forward that to the bureaus and now comes the run around. It took several months to get it removed however Experian refused to do anything except change it from a " hard pull '' as they call it to a " soft pull ''. They then further penalized me by removing or reporting incorrectly my " good '' credit history. My stellar XXXX accounts ( XXXX ) are now removed as well as other good accounts and they give me minus point for, you guessed it " lack of good credit accounts ''. I tried calling them, writing them online and snail mail to dispute, and they always have a stall tactic. I 'm tired of the run around. I 'm tired of paying too much because they skillfully and unscrupulously maneuver things so that I can never qualify for a better finance rate. I 'm fed up with it! I have plenty of documents to support my situation and monitor my credit closely.
Product: Credit reporting or other personal consumer reports

SOURCE RECEIVABLES HAS VIOLATED USC 1681A1AI BY NOT RESPONDING IN 30 DAYS TO MY DEBT VALIDATION LETTER THER RECEIVED ON XX/XX/2023 TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

In XX/XX/XXXX I purchased a motorcycle. I had my loan financed through a bank called MB Financial. Around sometime in XX/XX/XXXX, they merged with 5/3 bank. I was never informed of this. Today ( XX/XX/2019 ), I checked my credit score and noticed my motorcycle loan with 5/3 was delinquent. 

This was very surprising to me for several reasons. 1 ) I had set up auto-pay using their online tool. 2 ) I had never received a phone call alerting me of the first notice of delinquency. 3 ) I also never received a letter notifying me of delinquency.

I called 5/3 bank and immediately brought my account current. I was told the following information over the phone : - MB Financial and 5/3 bank merged in XXXX - Apparently what I set up was not auto-pay, but some other confusing form of payment, even though I scheduled future payments - The phone number they had listed on my account is a phone number that has never had any association with me. I have no idea whose phone number it was, this would explain why I never received a phone call - I then asked why since they verified they had my personal cell phone on file, they made no attempt to call that number. I was told they need verification from the individual first in order to call regarding delinquency. If this is the case, how and why were they able to call the other phone number with no association to me? 
- I asked why I never received a letter to notify me of delinquency. I was told " I don't know '' - I was then informed my motorcycle is being searched for by a repossession team. 
- I was told to file a complain with the FTC regarding the 80 point hit to my credit score and negative remark on my credit report - I was told because of my calm demeanor, that they would most likely be willing to work with me - I then called back to confirm I could get someone to alert the crediting bureau of the mistake - I was on the phone for 47 minutes being transferred 3 times to different departments - I was told under no circumstances, would an adjustment be made to my credit report on good faith, and that the only way they would be willing to help me out would be to provide them with proof of payments I made to the account during the months it was delinquent. This is obviously impossible, and I never made payments those months because 1 ) I assumed auto pay was working as intended 2 ) I was never notified via phone call or letter that my account was delinquent. 

Overall I can't even describe how upset I am at the way this bank has treated me as a customer. I would like to have my situation resolved and the adjustment made to my credit report due to the way the collections department handled the situation. 

Finally, visiting their online payment / account viewer portal, I see absolutely no notifications that my account is past due / delinquent. No messages, or alerts in the alert section.
Product: Debt collection

The account is not reported the same on all of the credit bureaus. 
After it was reported as collections it says that I have late payments The spelling of my name is incorrect the address is incorrect
Product: Credit card

New Complaint : Theft of Funds from personal checking account. 

Background : I filed a complaint woth CFPB a few days ago b/c I called American Express XXXX XX/XX/XXXX to cancel this credit card, after enduring much pressure and XXXX  from the American Express rep to keep the card, he finally said he would cancel it. XXXX was his name I believe. He promised to cancel and promised the {$250.00} annual fee would not be charged. I continued to receieve emails from American Express and called them on XX/XX/XXXX and was informed thatvthe card had not been cancelled. They apologized and said would cancel card right awya and they would bot charge me the upcoming {$250.00} annual fee and that XXXXwould investigate my allegations of fraud. 

Today XXXX I teceived XXXX more emails from American Express!!! XXXX ) Email saying they chatged me the {$250.00} annual fee!!! XXXX ). More unwanted, unsolicited offers from American Express!!!! 

I want American Express and their corrupt foreigh call center investigated for fraudulent practices and banking/wire fraud & theft. I cancelled this card over 10 days ago and they are still charging me an annual fee and refuse to cancel the card! They need to cancel the card RIGHT NOW!!!! I am contacting a lawyer and local law enforcement too. This will not slide.
Product: Money transfer, virtual currency, or money service

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 proce 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 55 have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry dated XX/XX/2018 from : ONEMAIN XXXX XXXX XXXX XXXX, IN XXXX I never applied for any service or account with this company.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I sent a payment of {$550.00} to XXXX XXXX XXXX, from church donations on XX/XX/XXXX. The amount was immediately taken from my account, with additional fees that total {$21.00} but has not been released to XXXX as of today, XX/XX/XXXX. I've since sent the same amount, using an alternate method. I've reached out to PayPal to ask that they release the funds, as has XXXX. I've been told that the funds can not be refunded to me because they've been released to the seller, which isn't true. XXXX was told that he can not access the funds as the seller and was provided with a list of generic reasons for withholding, that do not contain any process to rectify the issue. Today, on a call with XXXX in PayPal 's customer service department, I was told that PayPal can not do anything until after 180 days and can hold the money indefinitely. The bottom of the transaction email states that I have 180 days to dispute a transaction- I feel like PayPal is attempting to keep funds that aren't theirs by delaying recourse, believing that I won't take action. These funds belong to my church and are intended to support orphans. PayPal seems content with literally stealing from the mouths of babes. This is not acceptable. Both XXXX & I have attempted to resolve this matter with PayPal directly, but they seem to be intent on holding these funds until beyond 180 days to prevent paying or refunding monies it has not earned. The 180 days expires on XX/XX/XXXX - a little more than a month from today. It is ridiculous that a company of its size would attempt to steal $ XXXX from a church and the orphanage it supports. I appreciate any assistance the CFPB can offer to resolve this matter, but ultimately am seeking a return of the funds and service fees paid - which I'm sure XXXX will approve or immediate release of the funds directly to XXXX. Otherwise, we will have no choice but to seek legal action - to the fullest extent that criminal and civil courts will allow, as these actions constitute theft. Regardless the amount, it is theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted for removal of my information from the Lexis Nexis and XXXX XXXX site using the following link online - XXXX XXXX XXXX XXXX XXXX. Please see the attached screen shot for confirmation.
Product: Debt collection

Back to back phone calls from HRRG. 
One minute apart, and they would immediately call back. Today on XX/XX/year>.