23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX, 2016 at XXXX XXXX, I received a call from ( XXXX ) XXXX. The caller was female and stated she was with Transworld Systems and asked me to verify my identity ( last XXXX of my social and/or birth date ) before she could disclose why she was calling. I told her that seemed fishy and I would not give any identifying information without knowing why they were calling. She refused to give more information and said they would contact me by mail. I conducted a reverse lookup on the phone number and it returned to an individual located in XXXX, TX, not any company. 

Today, XXXX XXXX, 2016 I got a call from ( XXXX ) XXXX. I have had repeated calls from this number and no one ever answers on the other end. I had a call from this number on XXXX XXXX at XXXX, on XXXX XXXX at XXXX, and today at XXXX. I chose to call the number back to ask to be removed from their call list. The person answered as " Transworld Systems '' and asked who I was. I gave only my first name and told them I wanted my number removed from their list. She asked if I was ( my first and last name ) and I said yes, then she said they had been trying to reach me. I told her that I had already spoken to someone and they refused to tell me why they were calling. I also told her that I have no outstanding debts and that there was no other reason for them to be contacting me. I asked to speak with a supervisor to be removed from their call list. She never offered to transfer me to a supervisor, but confirmed my telephone number and said I had been removed from their call list. When I looked up this phone number, it did not come back to a company, but showed up on a list of possible scams.
Product: Debt collection

Received phone call about debt collection. 
Had dispute with apartment complex I left in 2014. Received bill for carpet replacement after living there 4 years, and when carpet was already old when I moved in. I filed a written letter of dispute within 30 days. Heard nothing for years. 
After getting the debt collection call, contacted the landlord and reached a settlement for {$270.00}. Asked for a bill to be mailed to me so would have a paper trail. 
Got another call from debt collector a week ago, informed I had settled, and said do not call again. Just got another call today and said I would sue if they call me again. They demanded {$350.00} and said they will continue to call. It seems they have added some fees to the amount owed. I 'll have to send a note in writing telling them to stop calling to make my case stronger. 
They are apparently : Hunter Warfield XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Vehicle loan or lease

I HAVE 2 LOANS WITH ALLY FINANCIAL. THEY PUT IN LOANS WITH RATES HIGH, AND TERMS WERE NOT DSCLOSED TO ME CLEARLY. THEY PREASURED ME IN TO BYING A SECOND CAR. 

I RECENTLY GOT BE HIND ON BOTH LOANS DUE TO A COURT BADLE ON MY CURRENT JOB AND HARRASMENT. 

THE INCOME PROVIDED WAS NOT ENOUGH FOR THE LOANS TO BE MADE TO MAKE THE PAYMENTS YET THE DEALER AND LENDER PUT ME IN THE LOANS KNOWLING KNOWING MY SITUATION AND OVER PRICING THE VEHICLES AND SOWING THEY GAVE ME HIGHER AMOUNT ON MY TRADE IN.

I GOT 4 PAYMENTS BEHIND ON MY VAN PAYMENT ABOUT {$400.00} A MONTH, CURRENT BALANCEAST DUE IS {$1600.00} AND BORROWED 3 PAYMENTS IN AMUNT OF {$1200.00} FROM MY BEST FRIEND, LEAVING 1 PAYMENT ON MY XXXX  XXXX XXXX. 

THEY SAID THEY ARE STILL REPOING MY VAN WITH 1 PAYMENT DUE. WHICH IS ONLY DUE NOW AND NOTLATE.

I FEEL THEY ARE DISCRIMIATING ON ME AS A SIGLE XXXX  MOTHER OF XXXX.
Product: Credit reporting

The XXXX address is 18 yrs old. My address of record for the last 18 yrs is XXXX XXXX XXXX XXXX ny XXXX. Also my employer is The XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ny XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to formally dispute inaccuracies in my credit report and to seek compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further supported by the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights Experians failure to adequately investigate consumer disputes and its improper reinsertion of inaccurate information into consumer reports. 

The following inaccuracies in my credit report require immediate correction or removal : XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Bank account or service

Bank of America ( BofA ) has not honored a {$300.00} checking account promotion I signed up for in XXXX, and fulfilled the terms on. BofA was supposed to pay the {$300.00} bonus within 60 days of fulfilling the terms, which was over 15 days ago from this complaint. 

I have been a BofA credit card customer since XXXX. Last year, I logged into my BofA credit card account and had an offer box on the side stating a {$300.00} bonus for opening a new checking account. I clicked on the link, which took me to an application page where I then signed up. There was no promo code, only the link. I did print off the offer after following the link, which I will try to attach and which I completed all terms for the promo. 

Yesterday I did an online chat with a BofA representative ( there was no option to SM them ) to inquire, and he said he could not help me but I needed to call their main checking account number ( XXXX ) to inquire. The person there said they could not see the promo code on my account but gave me a new internal number for marking online redemption issues ( XXXX ). I then called that number, and the person refused to deal with me since it was supposedly an " internal '' number. I then asked what number I needed to call to talk with someone and submit my records ( being very clear it was a checking account issue ), and he assured me they would handle it at XXXX. When I called THAT number, it was corporate credit cards, and they said they had no jurisdiction to help me! 

It 's obvious that BofA has XXXX interest in trying to assist customers with collecting the bonus they are due based on the almost 2 hours I put in and XXXX different departments giving me the run-around! Therefore, I 've resorted to filing this federal complaint due to the sinister organizational structure BofA has erected to try to get its customers to give up on collecting any checking account bonus due. I hope CFPB, besides resolving my issue, looks into fining BofA for providing no viable due process for a customer requesting a bonus and offering to submit evidence that they had signed up for it -- particularly since BofA offered this bonus online and how " convenient '' it is for them to claim the bonus offer was not associated with the account based on the lack of any paper trail.
Product: Credit reporting or other personal consumer reports

i looked over my report back in XXXX, and noticed some things are incomplete and not accurate. i sent a letter to experian on XXXX and asked them to investigate the completeness and accuracy of my report. i received the results and noticed they did not fix anything. they are breaking federal law According to 15 USC 1681e ( b ) it states this ( B ) accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the consumer/individual about whom the report relates.

According to 15 USC 1681i ( 5 ) it states this ( 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 shall- ( i ) promptly delete that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer. 

According to 15USC 1681s-2 it states this. ( A ) reporting information with actual knowledge of errors 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. 
( B ) reporting information after notice and confirmation of errors a person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact inaccurate. 

This is unfair. If they are doing this to me imagine who else they are doing this too. 
Can you please fix this
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft Due the this issue of fraudulent information on my equifax report I am not unable to utilize the website to freeze my credit report. 

I have been denied a right to free credit report due to the fraudulent information on my credit report I believe are purchases, from XXXX  to present of leased vehicles, vehicle tags in my name and banking account that I do not recognize in my name I have never owned a drivers license in my life I have never owned a vehicle in my life. I am have been considered XXXX / XXXX XXXX  for the past 32 years I am legally XXXX and I am not employed have not been employed for the past 32 years I am considered a XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello, my name is XXXX. i have been going back and forth with XXXX XXXX XXXX as well as XXXX and XXXX Regarding unauthorized accounts on my report that I didnt authorize, these inquiries are on my credit report which i have submitted multiple FTCs to the creditors and Bureaus with no help. XXXX and XXXX and XXXX have all stated they needed a FTC to conclude the investigation which i have submitted multiple times with no assistance. We are on the verge of filing a lawsuit against XXXX for the violation of consumer act. This is total XXXX and I have been sending back to back letters with my attorneys. The accounts are as follows : MED DATA SYS ( Original Creditor : XXXX XXXX XXXX - XXXX ), MED DATA SYS ( Original Creditor : XXXX XXXX XXXX - XXXX ), MED DATA SYS ( Original Creditor : XXXX XXXX XXXX - XXXX ), MED DATA SYS ( Original Creditor : XXXX XXXX XXXX - XXXX ), i will be pursing litigation against them for fraud pain suffering! I also need removed inaccurate addresses, the addresses are as follows : XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have done everything by the book with disputing these accounts. Ive contacted the bank in regards to this matter. They claimed its been resolved. Ive contact the law enforcement agency and filed a report and affidavit. They claim the identity theft report is valid. And lastly, I contact the credit reporting agencies. Both XXXX and XXXX have removed the accounts per legal requirement. But for some weird reason TransUnion feels Im not following all the steps. I have knowledge of the consumer laws and the courts are very lenient with the banks and credit reporting agencies so filing a lawsuit is a waste of energy. Seeing Ive submitted my claim with TransUnion, Im at wits end. Ive filed complaints against them and every time I get the same ridiculous response. They make some absurd claim that the documents Ive submitted are not valid. Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report. I have filed it with a law enforcement agency. Identitytheft.gov is a federal law enforcement agency. Id like to see this matter handled properly. All this grief of identity theft and not having any access to my credit is creating a ton of emotional and physical distress. Its cause a great deal of strain in my work and personal lives. I literally am losing my mind because I have no other recourse... Please remove these accounts from my records : XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX.
Product: Payday loan, title loan, or personal loan

Credit Karma alerted me to apply for a highly probable loan to refinance my car ( to help my credit, of course ). They put me in touch with XXXX ( an affiliated company? ) and almost immediately told me I qualified. Then after confirming my information ( identity, car ) they called me to say that I am qualified for the loan then rattled off the loan, interest rate, monthly payment. The monthly payment was HIGHER and so I said, no. I don't want the loan and the customer service person raised his voice at me and said " I MUST TELL YOU ABOUT ALL THE PRODUCTS YOU HAVE BEEN APPROVED FOR ... '' and went on to tell me that I was approved for their monthly oil change service, which was conveniently added to the LOAN and though he wanted to tell me MORE I said no. 

This is FRAUD. They were using my personal information to entice me to apply for something I DID NOT WANT NOR ASK FOR. This is fraud. 

Both CreditKarma and XXXX should be punished and all those they defrauded should be compensated. They colluded to commit fraud upon me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting on my credit false information. I have proof from screenshot of my XXXX XXXX report & XXXX XXXX letter to me. Dates not matching, XXXX and Equifax states account was open XXXX but XXXX XXXX clearly typed letter saying the account was opened 15 days later which was XXXX. I feel they all are taking advantage of me and future of my credit. Please help me.
Product: Mortgage

While I was waiting on the decision on whether or not I would be granted an extension on a forbearance, the bank filed a case against me. A court case was filed against me dated XX/XX/2018. I received a letter dated for XX/XX/2018 explaining that they will not grant me an extension. While applying for help through the Hardest Hit Fund, a housing counselor told me that, by the bank filing against me while I was still in loss mitigation awaiting the bank 's decision on the extension, the bank was doing what is called " dual tracking, '' which I was told was illegal. It was then suggested that I file a complaint with your organization. I have a settlement conference by phone scheduled for XX/XX/2018. On XX/XX/2018, I filed for a continuance with the courts at the advice of the counselor.
Product: Payday loan, title loan, personal loan, or advance loan

Citibank sent out a pre-screen offer to my address for a personal loan for up to {$30000.00}. 

I filled out the application on-line and was immediately denied on-line. I was never given an opportunity to speak to someone to go over the application itself. They sent an email denial letter stating the only reason the loan was denied was for " excessive inquiries ''. I use XXXX and know for a fact I don't have " excessive inquires ''. I have excellent credit, excellent XXXX, etc. Once the letter was received there is zero contact information to discuss the credit application. It appears the loan application is solely credit report driven with an algorithm that could potentially be incorrect or cause a loan application to be denied.

Having said this, I have reached to the consumer loan department which is all voice enabled. I was never able to speak to a loan representative regarding my denied application. I spoke with general customer service and they referred me back to the same loan servicing number that has no option to speak to a human being. They have created a wall or one-sided communication that is extremely harmful to the consumer. Especially as they used a pre-screen offer to solicit business from me by running soft credit pulls.

The practice of soliciting loan application through the mail, evaluating them based off credit bureau algorithm, and given no Live representative to walk through a denial is extremely harmful to consumer. This needs to be looked at .... I know 100 % I have excellent credit. This practice appears to be very selective to certain consumers and might actually be harmful to other consumers and creating barriers to entry to others. Almost seems like a type reverse Redlining.

I no longer want to do business with CitiBank. However if I can prevent this from happening to someone else, this formal complaint needs to be issued.
Product: Payday loan, title loan, or personal loan

I received an email from lending tree. The email stated that I was approved for a loan for {$8000.00} the gentleman said you're approved but we need to try to raise your credit score a little bit more so we need some information that gentleman 's name was XXXX XXXX so he sent me another email to help me with my raise my credit score so I filled it out the email but not really paying attention and I send it back to him not realizing I put my bank information on that letter another gentleman called me named XXXX he told me and he also sent me an email to me I you need to remove any money having the bank move it to another account and I'm going to go ahead and help you is it okay so I did then he cost me back and he says I need you to go to XXXX I need a barcode from there and then when I realized go to XXXX I called the bank I told him look I'm not the one doing this transactions he started like going into my account doing disputes while he disputed what transactions from easy Cash ASAP and they're random they're not exact amounts that I took out loans for so then my bank account was restricted it was closed and I'm unable to open to make a calendar I called es easy cash and I told him what happened I was scammed and that they were targeted and that she's like well her name was XXXX she's like well I can help you she goes they were alone and I said no ma'am they were not alone they were dispute and she goes you have to do a chargebacks and I said I understand but I don't owe you that many I paid y'all those I paid the loan except for XXXX loan did I still owe them and I have not paid them yet because I'm trying to like figure out why she's telling me that I owed her for payments to XXXX XXXX of XXXX and XXXX the XXXX is true I'm out but that XXXX XXXX and a XXXX I don't owe them that and the bank coming that those amounts were not the amounts that were disputed by this company called lending tree they told me they were going to give me a loan and they didn't they but they did mess up my whole bank account and they messed up easy cash now the lady is calling me every single day XXXX XXXX mean that I need to pay her {$320.00} for XXXX  months and then she'll figure out how much I owe her after that to settle a debt that I have with them I didn't disagree I just told her I don't feel that I owe her the money that money because the bank told me different amounts and she disagreed she said she didn't turn me into her law office I told her you know that I mean I'm trying to help settle with them but they don't she doesn't want to accept that amount that my bank told me that they did that was too that they did with the bit what they did was fraud you know the fraud the scammed that I got scammed.
Product: Credit reporting or other personal consumer reports

Last year, I discovered that a XXXX credit card account had been opened in my name without my knowledge or consent. 
I did not apply for or authorize this account, and I believe this is a case of identity theft. I immediately filed a report with the Federal Trade Commission ( FTC ), documenting the identity theft and providing all necessary details. 
I contacted XXXX 's fraud department to report the unauthorized account and requested an investigation.Despite my detailed report and the FTC filing, XXXX concluded that the case was not identity theft. 
This conclusion is incorrect, as I did not open or authorize this account. 

According to the Fair Credit Reporting Act ( FCRA ), once a creditor receives an Identity Theft Report, they are legally required to remove the fraudulent information from the consumer 's credit report. The FCRA mandates that companies must block the reporting of information resulting from identity theft. 
My FTC Identity Theft Report constitutes a valid Identity Theft Report under the FCRA, and XXXX is legally obligated to remove the unauthorized account from my credit report.