23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX opened a file on my credit report in the amount of {$450.00}. Opon learning of this in XX/XX/XXXX or XX/XX/XXXX, I called XXXX XXXX to report that this debt has been paid as per a settlement with XXXX XXXX, now XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX I moved in XX/XX/XXXX from XXXX to XXXX and I never received a final letter from XXXX XXXX showing that the settlement had been fulfilled however I did have other documents showing that I had made an agreement and that I had fulfilled those terms. I was told to contact Capital One the original creditor for resolution. I did and sent all supporting documents. They claimed this wasn't sufficient and I proceeded to contacted XXXX XXXX  several times to resolve this. repeatedly being left on hold for long amounts of time, being told I would be sent a letter, never to receive anything, finally today XX/XX/XXXX I spoke with XXXX who was formerly XXXX XXXX and requested again a letter showing I had paid this debt and requesting that they report this accurately to Capital One and the credit agencies, they took my request and stated I would receive the letter in 30 days but could doing nothing else. Isn't this their responsibility to report accurately?
Product: Payday loan, title loan, personal loan, or advance loan

This is an illegal loan and they are not licensed in the state of Hawaii to offer loans according to Hawaii Act 056. " which prohibits payday lending and imposes regulations on small-dollar installment loans. Under this law, lenders are prohibited from offering payday loans to consumers in Hawaii. Act 056 establishes clear guidelines and safeguards, such as limiting interest rates and fees, setting loan terms, and requiring lenders to provide clear and accurate loan disclosures '' Tribal lenders can not offer payday loans in Hawaii. The state law applies to all lenders operating within its jurisdiction, regardless of their tribal affiliation.

They violated the Hawaii maximum loan term of 36 months, and the annual interest rate of 36 % Also the maximum finance charge is up to {$35.00} dollars but can not exceed half the original amount borrowed.
Product: Debt collection

I recently reviewed a copy of my credit report and noticed several outdated accounts and inquiries that don't belong to me. I believe that I have been a victim of identity theft. I would like these removed because they affect my family 's ability to obtain new credit and finances.
Product: Credit reporting or other personal consumer reports

I have information on my credit report that does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX
Product: Debt collection

Back in 2014 I lost my job and had to give back my car. They ( XXXX XXXX ) repossed it. I was served a summons to go to court by XXXX XXXX for the debt on the car. Ive never done business with XXXX XXXX before. I have a court date on XX/XX/XXXX for it.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding several disputed accounts on my credit report. Despite my multiple attempts to address these inaccuracies and my consistent requests for thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and significantly impacting my ability to live a normal life.

The negative effects of these inaccuracies have caused immense hardships for me. Therefore, I am pleading for your assistance in rectifying this situation as soon as possible. I kindly request a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay.

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated.

Thank you in advance for your understanding and assistance.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. I need the account to be updated from my file right away. 
XXXX XXXX XXXX XXXX XXXX : {$30000.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/2024 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

On Saturday, XXXXXXXX XXXX XXXXXX/XX/2024 I went to a Bank of America to get a cashier 's check. Please note, I've never once paid for a cashier 's check before. The lady that was helping me stated all of a sudden that the fee was {$10.00}, but when the check was processed she said she " made a mistake '' and its actually {$15.00}. The total of this check was {$1100.00}, with {$1100.00} actually being for teh cashier 's check and {$15.00} being the fee. 

I then learned on my way out from a different bank representative that I could have done a money order at XXXX for {$1.00}, and didn't need to do a cashier 's check. I even told the teller that I wanted to know what the cheapest option was to make this payment given that I did not have a phsycal checkbook. 

I think in light of the confusion and misinformation even during my interaction, I should be reimbursed the {$15.00} for the cashier 's check fee. This is incredibly unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries and view my credit report. Fraudulent Activities has been reported. 

XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX TD/bank USA/target c XX/XX/XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I purchased a vehicle thru XXXX XXXX and XXXX yrs into the loan thru Exeter finance I find out that there where 2 different contracts with 2 different amounts that I was totally unaware of the one exteter finance has that the dealership sent to them with my signature fraudulent activity using my signature but not from me I made both the dealership and finance company aware of this and they rapidly blamed each other and the dealership also refused to show me any proof of my purchase or contract I was told the car was brand new and that I was sold a extended warranty that I later found out was not true on the contract the finance company had as well as a vehicle I had I plan to trade to the dealership was showing in the contract as a trade when I actually was told by the sales guy they won't be taking my trade I went to the dealership with the finance company on the phone and was treated so bad I cried they kept saying that the finance company had gotten my contracts confused with another company the lady at the finance company was hearyhim say this and told me he was being recorded and to stay calm but later they both have yet to fix issues also the transmission had went out XXXX months after i purchased but kept being told due to XXXX i cant get in for repair then later i discovered this because i had the fun company send me there copy when i notice the amounts where off during attempting to make a payment over the phone with a rep who later sent me a copy of the ond they where sent please help me i am mentally exhausted heart broken I honestly went to the dealership trying to better my financial future and it made my worst nite mare a reality please help i am in the process of tryin to fix my credit and this is not right thank you to whom this may concern
Product: Checking or savings account

I have an online bank account and so when cashing my XXXX check of {$3400.00}, I go to cash it at US Bank ( USB ) where the check is drawn. I do not have an account with USB but have been cashing checks there since XXXX where they charge me a {$7.00} fee as a non-customer. However, every time I go into the bank, I am asked for more identification or information. 
After my second/third check cashing experience, I was asked for my place of employment, job title, job duties, location of work, eMail address, and salary information. A couple of visits later, I was asked for a second picture identification, as they said it was now required although it had not been previously requested. The next visits no second ID was asked for or required. The last visit I was asked for my social security number. Each time I'm told, 'if I don't provide the additional requested information, I can cash my check some place else. ' All of these requests for cashing a simple XXXX check drawn on their customer. 
I find these requests for information demeaning and concerning since I am a person XXXX XXXXXXXX and each visit, depending on the representative, is a different experience and behaviour. I dread each month having to go into USB, and have seriously considered going to a check cashing place and paying the 12-15 % fee just to avoid the aggravation and stress but money is very tight for me and I can't afford the extra expense.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I am sending my CFPB complaint to inform you that I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations.They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Kindly delete these items 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
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I asked for my new XXXX XXXX XXXX XXXX XXXX last four account numbers XXXX to pay {$5000.00} to my Barclays XXXX XXXX account last four account numbers XXXX. The check # XXXX was sent and cashed XX/XX/XXXX. Several calls ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) have been made to Barclays to find the check and have it recorded to the account. I was told that the issue was to be taken care of XX/XX/XXXX and would be called to verify this. I was given a case number XXXX and on another call to Barclays was told there was no case number. Today XX/XX/XXXX I was told by XXXX the customer supervisor that this issue was again going to take two billing cycles to remedy and no one else could help me. I would like to have the check credited to my account asap. Please contact me at XXXX XXXX or email XXXX if you have any additional questions. I would appreciate any assistance in resolving this issue.
Product: Vehicle loan or lease

On XX/XX/year> I went to a used dealership car lot to purchase a pre-selected vehicle. When I got there however they couldnt find the vehicle which at that time I was given another option. At that point my credit was pulled to determine the loan rate. XXXX XXXX was choose. However my interest rate did not relecty credit score at the time which was a XXXX. This constitutes preditory lending. Was given a 23.99 % interest rate and XXXX a month payment.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/year>, I received a fraudulent call pretending to be from Affirm, asking for my account PIN. I immediately reported this to Affirm, and my account was placed on hold to prevent any fraudulent activity. 

On XX/XX/year>, I attempted to make a purchase using Affirm but was declined because Affirm could not confirm my identity. I contacted Affirm daily through chat and phone from XX/XX/year>, to XX/XX/year>, to resolve this issue and reactivate my account. Each time, I was informed that my case would be escalated and resolved within XXXX business days. However, the issue remains unresolved, and my account is still frozen. 

On XX/XX/year>, I was informed by Affirm that my Shop Pay account information does not match my Affirm account due to my Shop Pay account being associated with my previous name and email. To address this issue, I : Contacted XXXX XXXX daily from XX/XX/year>, to XX/XX/year>, to request the deletion of the outdated account. 
Used Shop Pays account deletion process multiple times, but the outdated account still exists. 
Created a new XXXX XXXX account under my updated legal name and contact details. 
Provided Affirm with proof of identity as requested to reflect my updated name. 
Affirm successfully updated my legal name on the account after verifying my identity, but they will not allow me to verify my identity to unfreeze my account. This inconsistency has prevented me from resolving the hold and using my account. 

Additionally, the loan number in this complaint is for a successful loan from before these issues began. Declinations do not come with loan numbers, so I used this loan number to help Affirm locate my account and resolve the issue. 

Despite my repeated efforts with both companies, including multiple verification attempts, my Affirm account remains frozen, and XXXX XXXX has not confirmed the deletion of the outdated account. These issues continue to prevent me from making purchases or using XXXX XXXX Installments effectively.
Product: Checking or savings account

This pathetic company is allowing charges to be made to my card even when I have it frozen. They have also taken {$170.00} from my account with no explanation as to where it went. I want my XXXX money back in my account immediately and an explanation to the charges and the missing money IMMEDIATELY before I stop using this pathetic XXXX institution all together you XXXX imbeciles.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX Department I received documents that XXXX sent to me stating that these documents show that the account is mine they are not my signature and they are not original contracts with my signature, And why is my wife 's alleged signature is on documents this seems to be made up documents on XXXX documents it states CONTRACT COPY No original contract with my signature nothing
Product: Vehicle loan or lease

The end of XXXX beginning of XXXX, I was approved through XXXX XXXX XXXX for a loan through Credit Acceptance for a used XXXX XXXX XXXX. I was covered by GAP insurance through NYS where I reside and Credit Acceptance was aware of my residence at XXXX route XXXX XXXX XXXX NY XXXX, I was making payments of XXXX a month towards the loan and XX/XX/XXXX or XXXX of XXXX I was rear ended on route XXXX at a no fault which gap insurance covers as long as it was a no fault. The vehicle was towed to XXXX XXXX on route XXXX in XXXX NY where it was pronounced totaled. I updated credit acceptance and they said that theyre from New Jersey and New York XXXX XXXX XXXX qualify for a New Jersey XXXX XXXX though they were loaning/leasing in New York State through XXXX XXXX XXXX. The gentleman that sold me my XXXX and got me approved through credit acceptance was named XXXX. They have been falsely damaging my credit and making it nearly impossible to move forward with life. They have been keeping it as a opened account when its been brought to collections, as well as marking it for late payments when its in collections on top of marking the cost of the loan almost {$8000.00} less than what my loan amount cost under my credit when the vehicle was originally only supposed to be roughly $ XXXX and when I got all my paperwork the loan amount was marked for almost $ XXXX. I still have all of my paperwork from XX/XX/XXXX when I bought the vehicle. They have been putting hard inquiries on my credit on top of threatening me with court and garnishing my wages. I need help because is truly stressful and destroying any chance at life I do have.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX I AM SUBMITTING THIS ON THE BEHALF OF MY SELF THERE IS NO OTHER COMAPNY DISPUTING ON MY BEHALF PLEASE DO NOT SEND ME A AUTOMATED MESSAGE ALL DOCUMENTS WILL BE INCLUDED. 

I do not give expressed written consent t or authorize any third-party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE PROMPLTY REMOVE THIS DATA WITHIN 4 BUSINESS DAYS PURSUANT TO 15 USC 1681-C-2 TO AVIOD ANY FURTHER LEGAL PROCEEDINGS. THANK YOU FOR YOUR TIMELY COMPLIANCE