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

I made 3 payments of XXXX dollars still not sure of this loan! I asked for a copy of the loan! Just told that I owe XXXX plus with fees! I called the company XXXX XXXX XXXX I was told I'm not n their system and they would have a record if it was sold to a debt collector ( URS ) and they do not! I spoke again to the debt collector and I was told that wage assignment is being sent to my employer for to start collection from my paycheck! I have documents I signed with the debt collector and receipts! I'm not aware of a loan with this company and if I am I would like to see the paperwork
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has no birthday on my credit report. They mailed me a report listing my birthday as XXXX/XXXX/XXXX. This is incorrect as when I try to apply for loans its like I dont exist. My credit report hasnt been updated with them since XXXX. How are they reporting information with the incorrect birthday? With inconsistent information how do they know these were my accounts.
Product: Credit card or prepaid card

Th e Macy 's   XXXX   XXXX  Credit Card account was overpaid  and Citi blocked the account. After requesting a refund, Citi refused to refund citing " security review ''. This is directly violating the Truth in Lending Act : Per regulation Z, 1026.11. ( a ) ( 2 ), Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; Banks are required to refund the overpayment upon request within 7 days.
Product: Money transfer, virtual currency, or money service

Please refer to # XXXX submitted on X/XX/2017 regarding the issues with XXXX or XXXX. At that time - this company simply tried to put the matter under the carpet/rug. 
I am facing the same issue since XXXX. 
I have updated my XXXX profile so that with my cell # - my ally bank account is associate and NOT XXXX XXXX. XXXX XXXX was the old one and ally bank is the new one. 
But still anytime any payments which are coming to my cell # - it goes to the old account ( XXXX XXXX NOT XXXX ). I reached out to XXXX and then to XXXX XXXX ... everybody ask me to reach out to somebody else ... so no accountability and ownership at all. 

Today I called at XXXX during XXXX XXXX to XXXX XXXX  and talked to XXXX about the same issue. Case # XXXX has been created for this. All the calls are going to XXXX to some very naive customer service associates. When the customer wants to talk to the higher ups - they simply tell that even higher up will do the same. 
I end up paying fees from the bank due to this.
Product: Credit card

Was attempting to purchase something using my Paypal account, and was somehow signed up for a Paypal credit card. This was not clearly documented that I was signing up for this as it appeared to me at the time that I was just using my Paypal account linked to XXXX of my credit cards. No qualifying information was asked of myself, such as yearly salary, full social security number, etc.
Product: Credit reporting or other personal consumer reports

it is illegal to report transaction history per 16 cfr part 313 a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in XXXX, XXXX, and XXXX. 

( b ) Scope. This part applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family or household purposes from the institutions listed below. This part does not apply to information about companies or about individuals who obtain financial products or services for business, commercial, or agricultural purposes. This part applies to those financial institutions over which the Federal Trade Commission ( Commission ) has rulemaking authority pursuant to section 504 ( a ) ( 1 ) ( C ) of the Gramm-Leach-Bliley Act. An entity is a financial institution if its business is engaging in an activity that is financial in nature or incidental to such financial activities as described in section 4 ( k ) of the Bank Holding Company Act of 1956, 12 U.S.C. 1843 ( k ), which incorporates activities enumerated by the Federal Reserve Board in 12 CFR 225.28 and 225.86. The financial institutions subject to the Commission 's rulemaking authority are any persons described in 12 U.S.C. 5519 that are predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. They are referred to in this part as You. Excluded from the coverage of this part are motor vehicle dealers described in 12 U.S.C. 5519 ( b ) that directly extend to consumers retail credit or retail leases involving motor vehicles in which the contract governing such extension of retail credit or retail leases is not routinely assigned to an unaffiliated third party finance or leasing source.

& 15 usc 6805. They said they would not conduct in solicitation or language fraud in 17cfr424.
Product: Debt collection

COMMONWEALTH FINANCIAL a collection agency has placed derogatory information on my credit reports. They attempting to collect on an alleged debt in the amount of {$360.00} for the client : XXXX XXXX XXXX. I have no knowledge of this account. I addition to that item there is another alleged account for the same client XXXX XXXX XXXX for {$510.00}. I have no knowledge of either of these accounts, and I NEVER received any notification from Commonwealth Financial that they were attempting to collect for these debts. I never received any correspondence from them in writing or otherwise nor did I receive a notice of my rights to dispute. They just place this information on my credit reports and damaged my records without due process ... ..process to include allowing me my legal right to dispute and / or request validation of these alleged debts. 
They just violated the federal law and place information on my reports as if it were valid when in fact it is not. This is a violation of the FDCPA, FCRA and the Fair Credit Billing Act. With the possibility of a violation of the HIPAA Act
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report I notice credit inquiries that I did not authorize. This is a violation of the fair credit reporting act secton 1681b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I have a loan with BMW FINANCIAL SERVIC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and BMW FINANCIAL SERVIC with no successful resolution. XXXX, XXXX and XXXX were the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
Product: Checking or savings account

I opened a savings account and set up a wire transfer. The account then locked me out and said the wire transfer was set up successfully. I tried to stop the wire after repeatedly trying to get into my own account. They said my info didnt match, and call later, but my info was correct, theirs was not. They were giving me false phone numbers so that I could not reset my password. They hung up on me when I tried to get answers as to why they were claiming my personal info was wrong compared to theirs. They would not stop the wire transfer so I had to contact my funding bank and put a block on their processes. I tried to file a complaint with them or talk to someone in charge but they would not assist.
Product: Credit reporting

Paid for and completed the online process of a credit freeze with Experian. {$10.00} was withdrawn from my checking account. My account is not frozen. I can not reach a live person that is willing to help. This is a passive aggressive business practice. 

I completed the same process, the same day with the XXXX other reporting agencies ( XXXX and XXXX ) with no problem.
Product: Mortgage

We had flood damage on XX/XX/2019. A claim was made with our insurance company and a settlement check was sent to Ditech, our mortgage company at the end of XXXX. Ditech has not re-issued the check to us for the damages. We have made numerous calls to them, and, get a different story every time.
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. 

DEPT OF EDXXXXXXXX XXXXXXXX Balance. {$5700.00} DEPT OF ED/XXXX XXXXXXXX balance. {$2800.00} DEPT OF ED/XXXX XXXXXXXX balance. {$5500.00} DEPT OF ED/XXXX XXXXXXXX balance. {$2700.00} DEPT OF ED/XXXX XXXXXXXX balance. {$10000.00} DEPT OF EDXXXX XXXX balance. {$5600.00} 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. I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of this listing on my credit reports. 

XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$82.00} XXXX XXXX XXXX  {$120.00} There are no contracts, no valid claims ... account was settled with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea who these report is on inquire fraud
Product: Debt collection

This debt is intentionally being mis-reported on my credit report It is reported as XX/XX/XXXX, but they admit that it is XX/XX/XXXX It is being mis-reported in an attempt to collect on a debt that is out of statute
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX To Whom It May Concern, I, XXXX XXXX am a consumer and natural person fully aware of my rights protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by the accounts listed below. 
XXXX XXXX The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy.

Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation. 
I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report. 
PLEASE DO NOT SEND ME ANY STALL LETTERS! 
Best regards, XXXX XXXX
Product: Student loan

On XXXX XXXX i received the letter from Nelnet stating that they are going to discharge {$84000.00} of student loans and it will happen in XXXX days. They will also remove from crediit report in that amount. They have failed to comply and give me the run around and will not comply. Please help to resolve.
Product: Debt collection

Pra Group keeps calling my phone. I don't have a contract with them and don't know who they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having repeated problems with XXXX primarily. They have changed the account infomarion of my XXXX XXXX XXXX XXXX now, FOR THE XXXX TIME! I've had enough of them. XXXX and now, EQUIFAX, had re-imputed the balance owed as {$490.00}, AGAIN! I just left my XXXX XXXX XXXX XXXX and the representative just re-verified to me that I PAID OFF THIS back balance of {$490.00}! This is the XXXX time that XXXX has done this to me and i'm very upset about these bureaus repeatedly breaking the FCRA laws. Please help me correct this issue with EQUIFAX as well. I OWE NO BALANCE TO XXXX FEDERAL CREDIT UNION AND THEY CAN VERIFY THIS.
Product: Credit card or prepaid card

I had a credit card with Bank of America. In XXXX of XXXX, I mistakenly made 2 payments to my credit card. I called the bank and asked them to reverse the second payment. It took the bank 3 months to reverse the payment. In the meantime, my credit card statements in XXXX and XXXX were negative ( because of the XXXX overpayment ). In XXXX, when the XXXX XXXX payment made in error was finally reversed, it was backdated to XXXX ( per the bank, as if that 2nd payment made in error in XXXX had never happened ), and because of that, the bank is now arguing that I missed the XXXX and XXXX payments, even though they acknowledge that those two statements were negative, and that there was no payment for me to make in XXXX or XXXX. Without notice, they closed my account, sent me to their collections department, and reported me to the credit bureau. My credit score has dropped by XXXX points.
Product: Credit reporting or other personal consumer reports

I sent a letter to three bureaus to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XX/XX/XXXXXXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ;XX/XX/XXXX Balance : {$12000.00} ; XX/XX/XXXXXXXX Balance : {$2200.00} ; XX/XX/XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have 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 consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1.  XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 2.XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 3.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX 4 . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ( Duplicate ) 5.EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX ( XXXX ) XXXX 6.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 7.XXXX  XXXX XXXX XXXX, OH XXXX 8.XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX , UT XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number.

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

These inquiries did not have approval to run my credit on XX/XX/2022, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX. Please remove these from my credit report.
Product: Payday loan, title loan, or personal loan

I defaulted on the loan initially bc I was out on medical leave from work. The end result was a judgement. They also never updated my address to receive the court notification. Ask XXXX to do so before it ended in litigation. That never happened. It went to court found out through the court because they had my correct address. Call to make arrangements to pay back before garnishment of my wage. My issue is the original loan amount was XXXX on a 6 month term. They sued me for XXXX. Which also includes court filing fees. I was sued for the whole contract amount that included interests at 179 percent. I made payments arrangements with XXXX which I have kept. She sends me a month statement via email. Last one she sent had a balance of XXXX. I made another payment since then of XXXX. I called her to make confirmation the now I owe XXXX and it would be satisfied. She then sent me a email saying I owed XXXX and change. That they are charging me again 180 percent..This is predatory. I will never get this paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Send a personal information update letter to all 3 bureaus on XX/XX/2022. Haven't received nothing back from Equifax and XXXX as of yet. But received a letter back stating that this is not me the letter is attached for prove also send a copy of State ID and Utility bill showing proof of address. They are stalling me out and not trying to update my information even with the State ID and Utility bill showing proof of address.
Product: Vehicle loan or lease

I was late on two or three monthly payments due to losing my job because I was diagnosed with XXXX, after I was aware of the late payments I paid the remaining balance. The auto loan was paid in full and was not a loss for capital one auto.
Product: Credit card or prepaid card

On XX/XX/XXXX Black Friday I purchased a promotional television for 24 months 0 % interest. When I receive my statement on XX/XX/XXXX ( 60 days later ) the company began to charge interest on the purchase. On XX/XX/XXXX I reached out to the company to complain of the interest rate increase. On XX/XX/XXXX I was told that I had 60 days to make a written statement from the time I made the purchase. When I counted the number of days from the time I purchase the TV till the time the statement came out it was exactly 60 days, which left me no time for recourse on this issue.