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

This is my second time trying to get some type of justice here. I recently filed a complaint against the same company, title max in XXXX Delaware regarding my issues. First off, the previous complaint I submitted was, without even my say/input, closed on their behalf? A lawyer of theirs submitted a statement back and then I have no response back? Thats not fair. 

Since this was closed, I have called title max to try and get some type of payment set up for me. Per the last lawyers statement, he stated to contact titlemax ti get my account back to normal. IVE SINCE THEN DONE SO. Ive made several phone calls and left several voicemails. I received NO response back except for a wuick 2 second call from them only for them to hang up the second I get to answer which is on the second ring. I then get voicemails, an automated voicemail at that thag says to contact them regarding my account. I find it a little ridiculous that I am getting those calls when I have been doing that for about a month now. 

Im asking for them to PLEASE CALL ME TO WORK WITH ME AND SET UP SOME TYPE OF PAYMENT PLAN! 

I expect some type of reasoning here in my favor and not a response back from someone who isnt even present in this state. On Saturday XX/XX/2022 the employee there said my account was CURRENT and I believe her name was XXXX? Forgive me if I spelled it wrong. XXXX XX/XX/2022, my account has been current which means Ive been making the payment. The manager there, XXXX told me the same thing verbally. However I am having financial issues right now due to COVID & I would like for someone to please call me instead of an automated machine. They will not repossess my car when this whole time nobody has been contacting me back. In my previous complaint, the lawyer for them said I wasnt contacting the storeWell here I am contacting them and shockingly NO RESPONSE FROM THEM
Product: Credit card or prepaid card

I called on XX/XX/2020 to synchrony bank to inform them that I could not access my account and needed to update my number or add my email to the verification process. I went through the verification process for an invalid code to be sent and for the customer service representatives to either disregard my concerns and one hung up on me. I was unable to access my account and was told that I couldnt access my account because my account was closed. Which was a lie because I had scheduled payments last week into the following year that I was trying to change. The last lady I talked to was the only helpful one as she updated my account and set my account on auto play so I wont have to deal with scheduling payments again. Worst customer service experience I have ever dealt with.
Product: Debt collection

Portfolio Recovery is a dishonest company, I have called several times to arrange a payment and they have always turned down my payment offer. always with threats that would lead to court, I am unemployed at the moment, they do not want to help at all, They are a dishonest company making threats to people
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX 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 an account with my written instructions.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries from chase bank for credit applications that were fraudulently completed. I have spoken to the company on several occasions resulting in them saying the inquiries would be removed. Five of the inquiries are still there. The company has confirmed that the credit applications were fraud, and were being completed through XXXX but they still have not removed the inquiries. There have been 7 inquiries over the last year. 2 have been removed but 5 are still showing. Chase Bank has lied to me several times about removing them. I have never applied for anything from them, or through XXXX. 

Chase Card Inquiry from XXXX XXXX, XXXX Chase Card Inquiry from XXXX XXXX, XXXX Chase Card Inquiry from XXXX XXXX, XXXX Chase Card Inquiry from XXXX XXXX, XXXX Chase Card Inquiry from XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to formally express my concern regarding the restriction placed on my account and the ongoing investigation, which has severely impacted my ability to access my funds. I have attempted to resolve this matter multiple times through phone calls but have not received any clear guidance or timeline for resolution. 

On Friday of last week, I attempted to transfer funds from my Ally Bank account to my XXXX Bank account via XXXX. The transaction was blocked by Ally Bank as unauthorized, and I was informed that my XXXX access was restricted. Since I have multiple XXXX accounts linked to my XXXX and Ally accounts, I attempted to streamline my accounts by switching my primary email address and removing the secondary one to prevent any conflicts. 

Following this, I contacted Ally Bank for assistance over the weekend. However, the representative I spoke with was unhelpful and, instead of assisting me, insisted on verifying my identity. While I was willing to provide verification, the representative refused to proceed, stating that I could not be verified. The call was then abruptly disconnected without any resolution. 

After multiple unsuccessful attempts to reach a resolution, my account was suddenly placed under investigation. On Monday, I was informed that the verification process would take time but should be completed within the week. Initially, I was still able to access my account, but now my access has been completely frozen. 

When I called again today, I was informed that my account remains under investigation, but no timeframe for resolution was provided. This lack of clarity and support is extremely frustrating, as I need access to my funds, and I am not being given any actionable steps to resolve the issue.
Product: Debt collection

On XX/XX/XXXX I contacted XXXX XXXX XXXX to complete my final payment for rent and services while living at one of their apartments XXXX XXXX. The payment was completed and I understood I owed {$0.00} to the company. 

On XX/XX/XXXX XXXX XXXX XXXX charged me {$490.00} for closing fees on an apartment I was renting. 16 days later ( XX/XX/XXXX ) they wrote off the {$490.00} without attempting to contact me to settle the payment. 

Since XX/XX/XXXX I have not received any attempt or notice that I needed to pay any money for any type of closing fees until XX/XX/XXXX which I received a letter from a Hunter Warfield who is now attempting to collect this {$490.00}. 

My issue is I was charged {$490.00} on XX/XX/XXXX, on XX/XX/XXXX the debt was written off without a single attempt to contact me. Then nearly two years goes by and now Hunter Warfield is contacting me saying I owe money. 

I would also like to note that I spoke with an associate of XXXX XXXX XXXX who told me in XX/XX/XXXX the were having issues with their system. 

I am very confused how a company can charge me hundreds of dollars, write off a charge in 16 days, wait nearly two year never contacting me, and then give my debt to an outside debt collection agency.
Product: Checking or savings account

I was informed through Letter after the fact that Bank of America would be closing my account. I had over XXXX dollars in my account and was sent a check for XXXX dollars. Bank of America continues not to check into claims and send no real proof of the situation. I am beyond livid and will never bank with them again. They owe me over XXXX dollars.
Product: Credit reporting or other personal consumer reports

equifax send me a verified that XXXX XXXXXXXX XXXX XXXX XXXXXXXX belongs to me. i never asked for verification of the account. This account reports inaccurate information which is clear violation of 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( 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. 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. Duty a moral or legal obligation ; a responsibility Accurate correct in all details ; exact. 
this account has been charged off The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate By Definition The IRS Clearly says a Cancelled or Charge off is Income. The reporting of this account as a debt is inaccurate. 15 USC 1681 5-2. 
i also want the method of verification for XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( JPMCB Chase # XXXX XXXX  ) has violated serveral of my rights 15 U.S.C. 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Money transfer, virtual currency, or money service

Now i know that PayPal close my account for not reason and them will not help me with Getting it back up and going. i just load my PayPal account with my cash deposit and them just close my account for stole my Money. 
They just made all difficult for me. My account was already verified with all My personal information and i never had or made any mistake. I never had any Dispute or charge in my account. They said i can send money to my friend or family and after i load the account they just blocked my account I think this Company stole money from people, without think how people work for Get the money. They never take my calls or respond my message. I have proof about Everything i made in my account. 
PayPal is not doing her job properly and that the reason i am File a report here. 
PayPal violates its terms and conditions in the service agreement and acts to the detriment of users. MY email is XXXX paypay must be close. PAYPAL IS SCAM
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file is listed on my credit report. XXXX XXXX XXXX XXXX Balance : {$15000.00}
Product: Payday loan, title loan, or personal loan

I, XXXX XXXX, entered into a consumer credit transaction with MoneyLion Inc on XX/XX/2019. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

MoneyLion is reporting multiple late payments on my consumer report for the following account : Account Number : XXXX, which is a violation of 15 USC 1666b. 

I am demanding that MoneyLion return any fees that were improperly collected for this billing error. 

Furthermore, MoneyLion Inc, never disclosed to me that they are a debt collector and that they were attempting to collect a debt which is a violation of 15 USC 1692.
Product: Credit reporting or other personal consumer reports

When I retired my FICO score was over XXXX. 6 years later it has gone down. Nothing has changed. I have no debt but for a couple of credit cards I pay off every month. I have not missed a payment. I do however, pay all my utility bills, without fail, every month. The company that helps identify the utility payments does no know of the bank I use to pay them so I can not get credit for that. 
I recently had notification about being involved in a security breach. I have tried to sign up for monitoring but can not satisfy Experien of my identity. consiquently my credit is not being monitered. 
I am dislexic, my comprehention is poor from reading, I see that the credit bureaus blame the creditors for my score lowering & the creditors blame the credit bureaus. 
Here is my problem. I canot find a way to reach a person to help with all my questions at Experien. There is NO access to a person and the AI answering service just tells me NO. I need to discuss my problems with someone who is willing & able to help me. Where do I go to find help? Why does such an important aspect of individual lives have no access to representatives or consultants. 
I NEED HELP TO REPAIR AND PROTECT MYSELF AND FAMILY. IT IS IMPORTANT.
Product: Checking or savings account

I have been having issues with Bank of America delaying posting electronic transaction from other institution and also levying overdraft charges to my account while it is still in the positive. 

In that specific instance I had {$350.00} sent to Bank of America on Tuesday XX/XX/XXXX,  which was supposed to be received on Thursday XX/XX/XXXX but yet again was not posted until Friday XX/XX/XXXX. Meanwhile on that Friday I received an email stating that my account is overdrawn. But when I pulled my online transaction history as you may see on the attached screenshot, my account was never in the negative. 

So on Saturday XX/XX/XXXX, I called Bank of America at XXXX XXXX EST, I had to wait 11 minutes to speak to an associate who put me on hold and came back with a scripted response then when asked for his manager XXXX, which I had to hold for 40 minutes to speak with his response ( summary ) it is my responsibility to check that the funds were there. But my question is where is the bank responsibility to post received funds on time? 

Although that I dread about filing this complaint, could the bank please provide adequate response to : Why the online transaction history is not mirroring their claim of insufficient funds? 

Why do the bank have additional processing delay time for electronic funds received from other institutions? 

Why does it take 11 minutes to get to an associate, 57 minutes for the manager to be take the escalated call, and a total of 1 hour and 6 minutes for a simple transaction question call?
Product: Credit reporting or other personal consumer reports

I was incarcerated for a substantial amount of time 11 years to be exact once I went over my credit report I seen numerous accounts that are not mine I have know knowledge of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

All three credit agencies have violate Privacy Act of 1974. Incorrect billing addresses and incorrect names. They are non billable addresses. Only correct address and name is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all the rest are fictitious names and addresses no mail goes to. They are non mailable names and addresses.
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 1681.10 XXXXXXXX XXXX XXXX  : XXXX XXXX XXXX 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 15 U.S.C 1681 c. ( 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 vears. 15 U.S.C. 1681s-2 ( A1 ) 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, credit repair services, or other personal consumer reports

XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX Addressesshow tooltip buttonSelect as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY RENTDEBT AUTOMATED XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$3000.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$3000.00} Date OpenedXX/XX/XXXX Dispute Revolving Accountsshow tooltip button XXXX/XXXX XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCharge Card Balance {$100.00} Date OpenedXX/XX/XXXX Dispute XXXX/XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account XXXX XXXX XXXX {$0.00} Date Opened
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX Card appears twice on my XXXX report. I only have one XXXX XXXXXXXX card and the other account should be removed. This account is a duplicate and needs to be removed.
Product: Debt collection

Dispute Letter to CFPB CFPB XXXX XXXX XXXX XXXX, Washington , DC XXXX Phone : ( XXXX ) XXXX Website : www.consumerfinance.gov Dear CFPB Disputes Department, I am writing to formally dispute inaccurate information on my credit report. The items below are erroneous or unverifiable, and I am requesting their immediate correction or removal under the Fair Credit Reporting Act ( FCRA ) : 1. Account Name : CLIMB Credit Issue : Listed as charged off, but no verification of this status has been provided. 
Requested Action : Verify and provide supporting documentation within 4 days or delete. 
Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 
2. Account Name : XXXX XXXX XXXX XXXX : Marked as 'paid repossession, ' but was settled without repossession. 
Requested Action : Correct remarks to reflect 'settled in full. ' Case Law : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 
Under FCRA Section 611, you are required to investigate my claims and respond within 30 days. 
However, due to the urgency and the impact of these inaccuracies, I request your response and resolution within 4 business days. If these items can not be verified, they must be removed promptly per FCRA guidelines. 
Enclosed, I have included copies of my credit report with disputed items highlighted, as well as proof of identity. 
Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide me with a copy of the updated credit report once the errors have been addressed. 
Sincerely, XXXX XXXX
Product: Debt collection

Continuing calls many consecutive days on weekends in early am I have mention to the debt collector my health concern and took down their name and number but they called me today again in the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my Annual Credit Report from Experian, they have depicted the same previous address twice. One of the addresses is misspelled. When I had filed the Online dispute and had asked them to remove this redundancy - their " Update '' depicts the exact same error " XXXX XXXX, XXXX, GA XXXX ''. The only way to correct their lack of efficiency is to bring it to your attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$990.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} ; ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX