23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This account was oppen sometime earlier this year. It took about 3 or 4 months for me to catch it. I immediately contacted XXXX. They notified whomever opened the account and I assume could not make contact. The account was closed immediately do to not being able to actually ID THE person who opened the account. XXXX deemed they had not enough proof of if identity and shut it down. This was removed from my transunion and equifax reports. For some reason I'm getting a lot of trouble removing it from XXXX. The account was literally closed by XXXX for not being able to identify the owner. MORE PROOF IT WAS NOT ME THAT OPENED THIS. THIS NEEDS to please be removed until XXXX can provide actually proof of ownership.
Product: Money transfer, virtual currency, or money service

I sold tickets to a user XXXX XXXX XXXX at XXXX ) I sent him an invoice through PayPal. He paid me for them, he sent me a message that he got the tickets, and then 29 days later he disputed this with his credit card saying that he didn't authorize the charge. I sent the proof of the email exchanges with me and this user showing he told me he got them. I sent them proof from XXXX that they told me this user claimed them, and told this person was trying to take money back and event was over. They somehow ruled in his favor and took the money back out of my account causing it to be in the negative. I have disputed this with them and told them I wanted to sent further to their escalations department ( or office of the president ) but have not gotten a thing back. I have now received a collections letter in the mail that they have turned me into a collection agency. I am looking for any help. 

PayPal sent the money back to this user from my account. I am requesting my money back. I am not only out the tickets that this person used for this XXXX game but also now the money too. 

I have email exchanges with this user, I have emails from XXXX showing user got the goods as well if needed I can forward on too. 


XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I went into the Title Max located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I entered into an agreement for a {$550.00} Title loan. The vehicle I used to obtain the title loan was a XXXX XXXX XXXX which had been paid off and owned by me since XXXX. 

The loan was taken out by me at the request of my husband of 16 years to pay off a a bill he was delinquent on and needed fast cash quick, so out of desperation I willingly, opened the loan for him using the title to our paid off XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX we made our XXXX payment in the amount of {$130.00} towards the loan. We have been making payments On XXXX, XXXX, XXXX, and due to the COVID-19 stay at home order, we were both let go from our jobs and we fell into a financial hardship. With not many options and fear and XXXX from the future of the economy due to the COVID-19 stay at home restrictions, we were forced to refinance the Title loan and received another {$550.00} from Title Max. The balance we were now required to pay was {$1200.00} which included a additional XXXX XXXX XXXX XXXX Pawn Pledge Fee ''??!! as stated in the Payment History print out I requested from Title Max Since the inception of this loan in XX/XX/XXXX, payments by us have been made month after month and just to keep the vehicle from being repossessed and the loan defaulted. All the while the balance has continued to climb, some months we were forced to pay up to {$300.00} to stay out of default. And MONTH AFTER MONTH Title Max would excessively call us everyday to threaten us with repossession on the vehicle if the payment was not made. 

The thought of how much money we were forced to pay Title Max infuriated me at which as of XX/XX/XXXX was an astounding {$5200.00}! 

I contacted Title Max in XXXX, XXXX and spoke to XXXX to see what we can do to get out of the loan and also requested a print out of the amount we have paid in total to Title Max since XXXX XXXX i asked her if they would agree to let us out of the loan and close the account. She was very helpful and did provide the the payment history printout but advised me that she has rarely seen this done, and unless the account was current and in good standing they would not accept our offer to have the loan paid in full and closed. 

This type of business should be ILLEAGAL.. This is not good business practices and there should be a CAP on the amount these title loan companies can take from people. We are in a more serious financial hardship due to me being diagnosed with XXXX in XX/XX/XXXX. Our other vehicle was just totaled in an accident and the XXXX XXXX that Title Max has a title lien on so we can't use it as a down payment to purchase another vehicle. 

Thank you in advance for any help you can provide for us.
Product: Money transfer, virtual currency, or money service

XXXX member selling puppies, its a scam. XXXX dollars were sent to the person and the person never showed up for the transaction. Didnt answer any callls or replies afterwards. I also reported it to XXXX and they said they cant do anything about or close that account because they didnt see anything wrong with it. 

Call my bank since I use XXXX to send the money I explain what happen. They said they could help me out that it was voluntary. I told them nuts its a scam. They said it didnt matter. 

Bank of America is my bank. 
Scam happen XX/XX/22 in the amount of XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm respectfully filing this complaint due to numerous of failed attempts in the removal of a Chase Card account opened on XXXX-14, in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. With all my formal requests I was never provided any verifiable documents that supports company 's claim ; therefore according to the above statue my dispute has merits and should promptly and immediately be deleted.
Product: Debt collection

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against XXXX XXXX XXXX for a range of violations, including but not limited to deprivation of rights under the color of law and engaging in unfair and deceptive trade practices. 

XXXX XXXX XXXX and CAPITAL ONE BANK ( USA ) , NATIONAL ASSOCIATION, has violated my unalienable rights of XXXX religion and faith, falsely accusing me of owing an alleged debt which I adamantly refuse to pay. This company has demonstrated unfair and deceptive trade practices, as well as unfair debt collection practices. 

My religious beliefs, as stated in XXXX XXXX of the XXXX XXXX emphasize " Owe no man anything, but to love one another, for he that loveth another hath fulfilled the law. 

XXXX XXXX XXXX, however, has disregarded my religious convictions and persistently harassed me, making false statements about my concerns. 

In response to CFPB ID XXXX submitted on XX/XX/2023, XXXX XXXX XXXX stated that my concerns were already addressed in their previous response dated XX/XX/2023 which is false and misleading. 

Despite my explicit statement that I do not give lawful consent to transfer my personal identification information, the company continues to cause intentional infliction of emotional distress, XXXX, and harm to my family, willfully depriving us of our rights and XXXX faith. 

I reserve the rights to sue XXXX XXXX XXXX, its agents, employees, counsels, attorneys, etc., and demand compensation for the damages inflicted upon me and my family.

Thank you for your prompt attention to this matter.

Sincerely, XXXX, XXXX All Rights Reserved UCC 1-308
Product: Debt collection

I have a XXXX 's Card that is managed by Capital One. I do not use the card frequently and have signed up for alerts when I have a balance and as a due date approaches. I did not realize that I had a balance on my card and it was due on XX/XX/XXXX. 

I received a call on Saturday, XX/XX/XXXX from Capital One at XXXX pm. I was unable to take the call. 
I received a call on Sunday, XX/XX/XXXX from Capital One at XXXX XXXX. I was unable to take the call, however I did listen to the voicemail on Monday morning. After listening to the voicemail, I concluded that I must have overlooked a balance on my XXXX 's card and immediately logged onto the XXXX XXXX XXXX and paid the balance of the card in full. I also contacted Capital One and indicated that the card had been paid through the website. 

One Tuesday, I received a call at XXXX and again I indicated that I had paid the bill and to not call me again. I received another collection call at XXXX at which time I indicated that I am being harassed and the person on the phone agreed. Subsequent to that phone call I cancelled the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Capital One reported a late payment and I have proof of payments being made and I ask for ledger of payments made company has failed to provide the information. This is a violation on behalf of capital one to report a late payment as inaccurate and damage my credit report. I want the following errors corrected immediately.
Product: Debt collection

Convergent outsourcing is a debt collection company its agent keeps calling from an Alabama number. I do not have XXXX XXXX I havent had XXXX XXXX for over 11 years. 

The agent called my number over 100 times in the last year
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed 2 bankruptcies on my Equifax Credit reports in XXXX I trying contacting them about this unknown information, Bankruptcy # XXXX and Bankruptcy # XXXX, several times throughout XXXX and XXXX. In XXXX of XXXX they stated they verified with third party entity XXXX  that the information is accurate. I thought they had to get all information from a original source. I then contact XXXX XXXX and they provided me with the information they had in my file on XX/XX/XXXX. The file they provided me has no Information about any bankruptcies. I once again notified Equifax about the lack of information and ask for it to be removed .... This time they ignored me and I don't know what to do.
Product: Debt collection

This debt collector has not furnished the appropriate documents stating that the debt collector is owed said debt. I have requested a Master Purchase Agreement/Forward Flow Agreement from this debt collector showing proof that they have the legal right to go after this said debt. I have also asked for a record of all communication made for or about this debt and have not received anything. This debt collector should scrub any report containing this debt from all reporting agencies until the debt collector can properly prove they own this said debt.
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( XXXX ) and the Fair Debt Collection Practices Act ( XXXX ). 

Your violations include : Failure to validate the debt as required under XXXX XXXX XXXX ( Section XXXX ( b ) ). 
XXXX communication after a certified cease-and-desist request, violating XXXX XXXX XXXX ( Section XXXX ( c ) ). 
Harassment under XXXX XXXX XXXX ( Section XXXX ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX and XX/XX/2017 I pulled a copy of my credit report from XXXX and Transunion and immediately noticed 24 inquiries on my credit report. I have sent dispute letters and have called multiple times only to be told they were accurate with no proof as requested. I have not applied for any credit because I know my credit score is not feasible to many companies. There are several done from XX/XX/2017- XX/XX/2017 for an auto loan. The ONLY auto loan I have is from XXXX which I have always purchased through XXXX. I have tried reaching out to each of the creditors and have gotten nowhere. My rights as a consumer under the Fair Credit Reporting Act has been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$550.00} XXXX XXXX XXXXXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$10000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$8400.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$830.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXXXXXX Balance Owed : {$5000.00} XXXX XXXX Balance Owed : {$3200.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$430.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

XX/XX/XXXX i put in for a 2 month deferral ( for XXXX and XXXX ) with Hyundai Motor finance. They approved it and my next statement showed that i owed my regular monthly payment on {$470.00} on XX/XX/XXXX. At the beginning of XXXX i put in a credit dispute because Hyundai was reporting that my payments were behind. This is untrue because i had got the deferral and my account was current. I called Hyundai and they stated there is a glitch in the system and that they would fix it. I received my credit report dispute facts back and it stated that my account would be updated to reflect the correct status ( that i am current ). The other day on XX/XX/XXXX i received a call from Hyundai stating that i owe XXXX something to them. They said it was for " Late fees and return payment charges ''. IF this is true why did that not reflect on my account when i had the deferment so that i could pay them? Now they just threw the fees in there, never contacted me to advise me and they are saying i am late on my payments again. If i would have known about the fees i would have paid them when i didn't have a car payment for 2 months. I feel this is a wrong way to do business
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX account # XXXX, XXXX account # XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX XXXX  XXXX XXXX account # XXXX, XXXX XXXX  XXXX  XXXX account XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602A states that I have the right to privacy.

15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without my written consent.

15 USC 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 USC 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

After becoming the victim of identity theft, and having my bank account drained of tens of thousands of dollars, I contacted Experian, on XX/XX/XXXX, to place a security freeze on my credit report. I also requested a current credit report, to make sure nobody was using my identity to secure a loan or line of credit. About two weeks later, while checking my credit card statement, I noticed a charge of about {$24.00} from Experian. When I called, the rep said that by authorizing the {$1.00} report, I was also agreeing to a " free '' 7-day trial '' of a monitoring service and that, if I did not cancel within the 7-day period, I would be billed for the service. I explained that I had no intention of signing up for any such service, and I requested that my account be cancelled and that I receive a refund of the charge. The rep said she would cancel my account, but that she was unable to issue a refund. I then asked to speak to a supervisor. 

After a 20 minute wait on hold, a supervisor named XXXX answered. He told me he would cancel my account but that the fee was non-refundable. He explained that the website was clear in that I had to cancel within 7 days to not be charged. I pointed out that I had no idea I was even enrolled until XX/XX/XXXX when my credit card was charged. I received no email confirmation that I was enrolled in any kind of program, no phone call confirming my enrollment, no customer number or explanation of the program. Nothing. Not until well after the trial period was I even aware of being enrolled. He said I was sent an email on XX/XX/XXXX, which I was, but all that email said was that I had " updated my account information. '' There was no mention of any service I was signed up for. XXXX reiterated his position that the fee was non-refundable. I became increasingly irate, over the course of the conversation, over his refusal to make good on Experian 's shady, unethical business practices. I explained that I have never done business online with a company that did n't provide some kind of email confirmation of my purchase. Never. It is clear to me that this is how Experian, and other reporting agencies, sucker people out of money for as long as it takes for them to realize they 'd been swindled by fine print. 

I had a similar problem with XXXX, but at least the rep there refunded the charge. 

I strongly advise anyone wanting to get a copy of their credit report to do it over the phone and very clearly tell the rep that they only want a report and do NOT authorize, under any circumstances, being enrolled in any credit monitoring service. 

Congress needs to take action and stop this kind of railroading from credit reporting agencies. A hacker stole money from my bank account, ilegally. Experian stole money from my credit card legally. But they still stole from me, because I did not intend for them to have my money. And that 's theft, no matter how much fine print they hide behind. This practice should be illegal and someone needs to start a class action lawsuit against these companies. They should be helping people in their times of vulnerability, not ripping them off.
Product: Mortgage

called in XX/XX/XXXX and scheduled two payments with my mortgage company. I was told I was given a forbearance until XX/XX/XXXX over the phone but when I called in they told me that was incorrect. I realized I made the payment with an incorrect loan number. I was misadvised XX/XX/XXXX and told I couldn't delete payments over the phone and could only do it by emailing their customer service. I set up two payments which would have satisfied XX/XX/XXXX and XX/XX/XXXX set up payments for XX/XX/XXXX. I called in today XX/XX/XXXX and was told my payment was never taken for the XXXX I set up on XX/XX/XXXX but only was told yes payments are there when asking for a manger. I know because I was miseducated about the forbearance and the payment process it was to only further put me delinquent so I could be pushed into foreclosure. I was miseducated and intimidated to only take my phone
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with he Fair Credit Reporting Act XXXX XXXXXXXX acct # XXXX, XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXX acct # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found that theres fraudulent activity being reported.