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

My family members and I were constantly harrassed by the local Utah branch while I was hospitalized. 
I took out a title loan of {$1700.00} with the Loanmax of XXXX Utah in XXXX.  My first payment was due early XX/XX/XXXXXXXX  but in late XX/XX/XXXXXXXX I was hospitalized with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Loanmax representatives began calling my home and leaving several messages that violated third party disclosure. A family member informed loanmax of my hospitalization but they continued to call and violate third party disclosure. 
When I was discharged from the hospital in late XX/XX/XXXXXXXX, several family members approached me about the numerous messages left on my answering machine by loanmax representatives threatening to repossess my vehicle and damage my credit. I still have these messages saved and will be forwarding them along for proof. 
I requested that the state manager, XXXX, contact me to discuss the account but I only received one message from her to contact the local branch and work out arrangements with them. I made several attempts to reach her again but never received another call all while the local representative continued to leave illegal answering machine messages. 
In middle ofXX/XX/XXXX I'd finally had enough and threatened to turn over the recorded messages and family statements of harrassment to the local Consumer Protection Offices, State Consumer Protection Offices and Utah Office of the Attorney General. After playing all the messages that violated third party disclosure to local management I was told that due to the several violations and medical conditions I'd had brought on me that the loan would show paid in full and no other collection or contact by Loanmax would be made. 
I did not receive any other calls or contact until my mother contacted me on XXXX stating someone was just at her house threatening to repossess the collateral from her. She told them I did not live there, which I do not. I called the repo representative and told him the loanmax decision from XXXX and he said he'd contact Loanmax. Then on XX/XX/XXXX the repo company visited my mothers house again. I again called the repossession company and told them never to visit and harass my parents again. Then on XX/XX/XXXX after XXXX they harassed my parents again. Then on XX/XX/XXXX they visited my in laws threatening to repossess the van from their address where again I do not reside. They were told not to return but they did again on XX/XX/XXXX. 
Loanmax then sent a different repossession company back to my parents home onXX/XX/XXXX. 
I filed a complaint with the XXXX XXXX XXXX in early XX/XX/XXXX but loanmax claims no wrongdoing and their legal representation stated on XX/XX/XXXX that my account was properly notated and no further calls have been made or will be made to any of the telephone numbers I provided. The local branch then attempted to call me on XX/XX/XXXX at XXXX MST.
Product: Debt collection

I settled my debt and received a letter from the bank who I owed the debt to. The letter dated XX/XX/2019 shows settled in full. However, I continue to receive debt collection notices from XXXX. I called and advised them my debt was paid in XX/XX/2019 and yet received another attempt to collect this debt notice XX/XX/2019. I emailed the company XX/XX/2019 again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is fraudulent XXXX XXXX XXXX. no action was taken
Product: Debt collection

Simply put I am desperately trying to keep my license. But they gave a threat of being suspended again if I don't keep up with install payments. Times are so tough I'm not willingly expecting to miss a date but something has come up and I'm short. Is there ANYTHING we can do to stop this abuse. I can't work with out my license which will leave me even deeper in the whole if they take them away here in XXXX FL. My first payment of XXXX us dollars was XX/XX/2022. XX/XX/2022 I actually got my license back with my clearance letter. But I had to pay over {$200.00} dollars when I was only expecting to pay XXXX give or take a lil. I really need your help.
Product: Mortgage

I made an online payment with the bank account information I have online which is my checking account as I mostly always do. So I was checking my account everyday there after to see if the payment had came out which it haven't, after a week or so I decided to call my mortage company to see if they had received the payment and the representative I talk to said the payment had posted, don't worried it will probably appear on your account. After a week or so it still hadn't came out so I called my mortage company again and the representative this time told me it had been reversed because of a close account which is not the account I used to make my payment. This only happens when we try to do a streamline refinance with our mortage company. We never have a problem until then. So at that time I schedule a payment to come out on XX/XX/2022 but it didn't come out until a later date trying to cause me to be late which was no fault of mines. I wouldn't had known the payment got reversed if I have not call my mortage company I didn't get a email letter or anything communicating with me about the failed payment. So I had been impacted by COVID-19 so I requested forbearance and the representative told me I have XXXX qualifying months left and told me I have to pay for XXXX and I want have another payment until XXXX, and that it wouldn't affect my credit report. Another week past by and I didn ' get any kind of confirmation so I called again to see if I needed to do anything else and they told me I had max out but wouldn't tell me how many months it takes to max out, I only used 9 months with 3 qualifying months left, so how can I be max out, so please check the partial claim it will verify.
Product: Credit reporting or other personal consumer reports

I dont have a contract with the 3rd party debt collector Portfolio Recovery Associates ? They They're also using my name. My copyrighted name. That's Copyright Infringement, and also slandering me in this process by putting it into the mail. Which is mail fraud by law, because they dont have a contract with mePortfolio Recovery also are fraudulently using unfair and deceptive acts.
Product: Credit reporting or other personal consumer reports

Account is not mine. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Balance : {$8400.00} Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$170.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$530.00} XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$480.00} XXXX - XXXX XXXX XX/XX/XXXX - {$1700.00} XXXXXXXX XXXX  - XXXX - XX/XX/XXXX XXXX {$950.00} XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$84.00} XXXX - XXXX - XX/XX/XXXX - {$120.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$610.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$670.00} INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus if they reinsert a removed item from your credit report without notifying you in writing within 5 business days. 

Consumer protection afforded by the FCRA Section 611 Part ( A ) ( 5 ) ( B ) ( ii ) Fine {$1000.00}
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting XXXX XXXX XXXX XXXX XXXX XXXX  Delete from my credit report. 

2. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692e - False or misleading representations XXXX Account Number : XXXX Update to Open/Never late 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting XXXX Account Number : XXXX Delete from my credit report. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete from my credit report.
Product: Credit reporting or other personal consumer reports

I have been receiving emails saying my personal information has been exposed to the internet. When I logged into my credit app XXXX seen that my credit score has went down a tremendous amount. A company that Ive never heard of has got a loan and sent it to collections. Im trying to file a dispute it should only be two accounts in my name for XXXX and XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at the CFPB, I am submitting a complaint about a derogatory account from XXXX Card reported by XXXX and Equifax. This account, listed as a closed charge-off with a balance of {$1100.00}, has negatively impacted my credit report. 

Account Information : Creditor : XXXX Card Account Number : XXXX Balance Owed : {$1100.00} Status : Closed / Collection/Charge-off Summary of Issue : I have no knowledge of any business relationship or account with XXXX Card and am therefore not liable for this debt. I am unaware of how this account was established, and I have received no validation or proof of my responsibility for this balance. Despite this, both XXXX and Equifax continue to report this account on my credit report. 

Requested Resolution : To resolve this issue, I am requesting : 1. The immediate removal of this unverified account from both my XXXX and Equifax credit reports, as I am not liable for this debt. 
2. Assurance that XXXX XXXX and all reporting agencies will cease future reporting of this debt on my credit profile. 

Thank you for your attention and assistance in addressing this matter. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

my credit report sent alert that my XXXX  XXXX  loan was reported 60 days late on XX/XX/year> which is wrong! XXXX I have a payment agreement and have not missed any payments. I verified my bank account and all payments have been made. All payments below were taking.l. I called XXXX XXXX and they claim they dont show any missed payments on my ACCOUNT. 
XX/XX/year> {$64.00} XX/XX/year> {$64.00} XX/XX/year> XXXX XX/XX/year> {$250.00} XX/XX/year> {$250.00} XX/XX/year> {$250.00} XX/XX/year> {$310.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : NATIONAL CREDIT ADJUST XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I started a subscription with merchant XXXX  XXXX. After the first charge of XXXX, XX/XX/23, I rotated the credit card number. I thought that XXXX  XXXX would not know my new number with the Apple credit card. 

I was charged again XX/XX/23 for XXXX. I reached out to Apple support that was managed by Goldman XX/XX/. 

There is a current dispute on the charge. 

I put a request to Goldman/Apple to fix this issue for their promised feature on the card but they say it automatically lets some merchants still charge the card and that I would need to contact XXXX at XXXX to turn this off. They call this automatic billing updater. 

The way this works is when your card number is updated, XXXX then sends certain merchants the updated number. We do not have any way to tell which merchants get updated automatically. 

I asked them to reach out to turn this off. They said they couldnt. I believe they are responsible to resolve to turn this feature off, since thats it should if change your credit card number through the Apple XXXX XXXX.
Product: Debt collection

Debt is from a credit card that was discontinued several years ago. Since that time I had attempted to file for bankruptcy but my lawyer died and it was never completed. I had no contact from collector for years and forgot about the debt. In   XXXX    , I was notified that I not only owed the amount previously due  ( which was close to {$6000.00} ) but owed a total of over {$20000.00}. A court settlement was completed without any real chance to dispute and my paycheck has been garnished since. I have paid over {$9000.00} since this settlement and still owe over {$20000.00} due to interest. I am the only person in my household that is currently employed and know very little about how to dispute these charges. I need help with getting this paid down and off so that my wages can go back to normal and my credit can begin to recover.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TWO ACCOUNTS ON MY CREDIT THAT I HAVE SUBMITTED DELETION LETTERS TO EQUIFAX THIS DISPUTE STARTED BACK ON XXXX AND EVEN WITH ALL THE DOCUMENTATION ACCORDING TO THE GUIDELINES SET BY THE FCRA THESE ITEM STILL REMAIN IN DISPUTE ON MY EQUIFAX FILE ... EQUIFAX IS A COMPANY THAT OUTSOURCES AMERICANS PERSONAL CONSUMER CREDIT REPORTS TO A THIRD WORLD COMPANY SO YOU CAN NEVER GET A CORRECT ANSWER FROM EQUIFAX THEY HAVE A PRACTICE OF TRANSFERRING YOU AROUND OR PUTING YOUR CALLS ON HOLD ... THE FIRST ITEM THAT IS INCORRECT ONLY ON MY EQUIFAX CONSUMER REPORT IS XXXX ACCOUNT # XXXX THE SECOND ITEM IS. XXXX XXXX XXXX ACCOUNT # XXXX BOTH OF THESE ACCOUNTS I HAVE SUBMITTED ALL DOCUMENTS NECESSARY TO BLOCK AND REMOVE THESE ACCOUNTS BUT EQUIFAX CONTINUES TO JUST PUT MY ACCOUNT IN DISPUTE AFTER DISPUTE AFTER DISPUTE..
Product: Vehicle loan or lease

Ally financial they willingly new this contract was fraud and continued to tarnish my name a Reputation. They also took XXXX from me on a consumer credit transaction which shall be the sum of all charges and not comparable to a cash transaction. 15usc1605 4109.81 is owed back to me for my back payments I've made to you guys 15usc 1692 h Plus my XXXX deposit Plus the serveal violation I've marked as exhibits thatsowed to me asap. 
XXXX in violations from statements I'm demanding my title and lien for free and all payments owed to me. 

There's a cease and desist on this account you guys will also be receiving my affidavit oftruth and a invoice certified mail.
Product: Checking or savings account

Stop payment was issued to a merchant/charge and the representatives stated that the payment had to pend before it would be removed. Upon posting PNC stated that they could n't reverse the payment. I was misinformed in regard to proper procedures
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

I've tried on one other occasion to get inaccurate findings off my report but nothing has changed. Accounts being reported as late but also appear as a charge off and dates do not match. Is it late or charged off, cause it can't be both!
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 right to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct numbers XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Achieve personal Loan XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All of these companies has violated my rights. 

15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reported agency can not furnish account without my written instructions.

15 USC 1681C.A5 section states no consumer reported 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 16 81S 2A1 a person shell not furnish any information related to a consumer to any consumer report agency if the person knows or has reasonable cause to believe the information is in accurate I requested validation of debt and also my information was sold to several third parties. company I am requesting that these accounts be removed immediately or I will move forward to persue legal actions
Product: Checking or savings account

I have been banking with BANK OF AMERICA for 20+ years and are one of their Platinum Honors clients. Last week I received 11 letters fro BOA stating that they have made the decision to close all of my accounts including my credit cards and my investment accounts with BOA/Merrill. 

I have called the customer service number indicated on the letter only to be told, " sorry Sir, the bank as made a business decision to close all of your accounts, there is no more I can tell you ''. 

To me this seems absolutely baffling and absurd. After all this time as a customer, in the middle of Covid after been laid-off, Bank of America decides they are not going to stand by their customers. 

Why do banks do this to their best customers??? Who makes these decisions? All customers service can tell me is, " the " Bank '' has made the decision ''. 

If you are a current Bank of America customer, please be aware that this could happen to you with no notice and not even a phone call. Proceed with caution!
Product: Credit card

On XX/XX/2023 I called American Express in order to change my mix of credit cards. I have a Gold card and a Blue Cash Preferred Card. I'd like to have both a Gold Card and a Platinum Card. I was told that it is impossible to change a Blue Cash Preferred account to a Platinum since they have different reward systems ( cash back v. reward pts ) ; however, the offer on my Blue Cash Preferred account distinctly reads to upgrade to a Platinum Card for XXXX XXXX. That is a separate offer from the XXXX XXXX  offer to upgrade my Gold Card to a Platinum Card. I believe that this is misleading and fraudulent advertising. I have a screenshot showing the offer on my Blue Cash Rewards account.
Product: Prepaid card

On XXXX, XXXX, 2024 there were XXXX purchases made using my card for {$19.00} each purchase. At the time I wS in a XXXX home unable to use my card. When I got out on the XXXX of XXXX I noticed my card had been used. I called XXXX XXXX and turned in fraudulent use of my card and they subsequently canceled that card and issued me a new card which they expedited the mailing to me in 3 days. Well I have been waiting since XXXX for a response or my money reimbursed to me but have seen nor heard anything from Comerica Bank or Direct Express. This is not the first time this has happened to me but the first time this year. It has happened to me in the past and it has  usually been for {$100.00} dollar purchases. And every time I have turned in a fraudulent claim and gotten a new card issued immediately. But I am getting tired of this because I am wondering if it isn't the bank itself doing this to me and not someone else. They are the only ones with my card numbers I do not share this with anyone.
Product: Checking or savings account

Issues with payment orders being ignored withdrawals not completed as instructed. Billing errors and incorrect billing. I called to notify them that I had an emergency and was going to hand write a check and was told I could not do that although I could have sworn it only needs to be portable, durable and fAnd after we hung up they locked my account and canceled my withdrawal that I just got done telling them about my situation and then when I called them back they said they dont know why they locked me out. 


Public law 73-10, HJR 192, UCC 3-603
Product: Vehicle loan or lease

Back in XX/XX/2021, My husband and I were both out of jobs due to XXXX. 

Wells fargo was not understanding and after going back and forth numerous times, took the vehicle. They were not willing to work with us. It was quite the contrary, they were extremely mean about the situation.
Product: Checking or savings account

I have ordered a ticket to a car event for {$58.00} on XX/XX/2023. I realized I can't make it to that event and contacted the vendor a few times a few days after. All in person and they could not find the person to go to for this matter. Then I called chime on XX/XX/XXXX to mention the transaction. They assumed it wasn't authorized and closed my card and sent another one. When I clarified that it was authorized, they said it was too late. On the same day, the claim has started. On XX/XX/XXXX they said " no error occurred '' and I rebuttaled the same say. On XX/XX/XXXX, they emailed me for more information regarding, again, if it was authorized and what had happened to get to that point. I replied I authorized the charge and i tried contacting the seller with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax and mailed the information and uploaded it. This is still showing on my credit and I was informed that my credit will be updated in XXXX hours. XXXX XXXX XXXX XXXX XXXX