23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ATTN : XXXX XXXX CEO at XXXXXXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX CEO at XXXXXXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX CEO at XXXXXXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Product: Debt collection

For the past 4 or 5 years, Portfolio Recovery has sent me numerous collection notifications via snail mail, which is fine and dandy. However, they have also contacted me every single day at every single number that I have ever had, regardless of how many times I have told them my situation ( no income due to fighting for disability and being unable to work ) at all times, including before XXXX XXXX and after XXXX XXXX. I never gave them my cell phone number or permission to call my cell phone number and yet they continuously call that number as well as my home number. I have tried thousands of times to explain my situation to them, to tell them to stop calling my cell phone number, yet they still call both numbers every single day. This is now harassment and I am tired of it.
Product: Payday loan, title loan, or personal loan

GoodLeap : Buy Now Pay Later loan initiated via a HVAC vendor installation in XXXX with the understanding it was 12 months same as cash, then if unpaid automatically rolls into a 10 year loan with a 11.49 % fixed APR against the full amount of $ XXXX outstanding. 

Payment instructions sent by GoodLeap in writing [ welcome letter & email follow up ] only offer ACH but WITHOUT any Regulation " E '' required disclosure information to protect against : 1 ) Current balance due.

2 ) Current monthly payment due.

3 ) Unauthorized or incorrect withdrawals.

4 ) Dispute process.

5 ) Payment by Credit Card option ( relates directly to # 4 & # 5 above ).

Multiple phone calls & emails sent requesting a company response to these items have exposed an organization which repeatedly transfers/drops calls and/or has been unable to resolve the open requests above. 

On XX/XX/2022 via phone, I've requested via the customer service dept. [ XXXX ] the CEO and/or his designated proxy to provide a written response to my concerns by no later than this XXXX, XX/XX/2022 as the initial payment due is the following day. 

Please note, ability & willingness to pay the loan is NOT the issue. 
I simply desire to be able to trust the ACH only without any XXXX " XXXX '' disclosure option for online payment [ GoodLeap outsourced it to a 3rd party provider ] is not rife for fraud and/or the planned early retirement of the loan in full will be recorded promptly with the three major credit bureaus. 

Very similar cases have also been documented by many other recent loan customers of GoodLeap across various online complaint forums as XXXX. 

How can a firm which recently securitized $ XXXX in loans be so inadequate in disclosing the most basic loan information that is a long held standard of reasonable lending practices?
Product: Debt collection

I got a notice in the mail about a debt for a hospital bill but this is the first time i'm seeing the notice. I contact the company to see what the debt was for and why i'm receiving this letter. The first agent name XXXX XXXX I spoke with inform me that it was a hospital bill that was not paid and I advise him that me and my family have insurance it has to be an error. I advised him that i will provide the health insurance number but he refuse to take the number instead he advised me that I have to paid the debt that is owed. I do not understand why he was not accepting the insurance information. I later advise him that I will contact the hospital to provide the information but he kept refusing for me to do so. The agent advised me that he will put his supervisor on the phone he can see if he can assist with the debt. The supervisor XXXX came on the phone and just pretty much told me paid the debt or else. I told him that if i was not informed and I have insurance why do i need to pay a debt. i had XXXX  at the time. I felt like i was being pressure to pay something that my insurance cover. I was been told if not i will pay for the damaged. I do not want to deal with this.
Product: Credit reporting or other personal consumer reports

Hello, I hope you can help me. Recently, since XXXX I have taken on the task of repairing my credit, so I have sent notifications to the credit bureaus, however everything has been ignored since the bureaus do not respond to me or update anything. They have had the irresponsibility of sending me a letter claiming that they are not going to do anything because they believe that I am not the one submitting the disputes. I would like to know what methods they used to determine that, that seems very false to me and only denotes that they are evading their responsibility.
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. 

Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 card or prepaid card

On XX/XX/XXXX, I received a promotional email from Capital One, telling me that I might be eligible for a new credit card. My credit score has recently improved and I'm interested in consolidating debt, so I decided to apply for pre-approval. I was pre-approved and it gave me three options to choose from as far as a credit card. I chose the Platinum Card, which told me that I would get at 0 % down, 9 month interest-fee period, and a variable APR of 26.99 %. However, the available credit line on the card was not listed, which is a much different experience than I've had with other lenders, that usually reveal the total credit line available, interest rate and other terms once providing me with options I'm approved for. 

I clicked on the Platinum card to learn more, believing the next window would crunch numbers and reveal to me my available credit line before I committed to the card. However, I was actually registered for the card and the total credit line was never revealed to me until AFTER they signed me up for the card. Since my objective is to consolidate debt, I NEVER would have agreed to a card with a {$300.00} line of credit. Approval was sent to me at XXXX XXXX CT on XX/XX/XXXX. 

I immediately called Capital One ( XXXX XXXX CT on XX/XX/XXXX ) to tell them to reverse the application -- that I did not want the card under those terms. However, I was told by a service rep ( after waiting on hold for nearly 30 min ) that this was not possible and my only option was to cancel the card. I explained that I never would have registered for a card that plainly told me that there was a {$300.00} credit limit, however, was told by the rep that in the terms and conditions " fine print, '' it explains all this. I told her that it is deception advertising to include only an APR in bold terms at the top, without also telling me how much I actually have in a credit line. 

Ultimately, my only option was to cancel the card, which will now negatively impact my credit score, which I have fought so hard to improve over the past few years. Considering I immediately took action and the account was both opened and closed within 45 minutes, this is ridiculous, particularly given the deception checkout flow and marketing.
Product: Debt collection

Already have another complaint active with them about communications. They are delaying their " investigation '' and calling an average of 5 times a day. This is harassment, and it will end. If this gets yet another automated/scripted response I will look into legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not get Equifax to lift my credit freeze or respond to my complaints. Last XX/XX/XXXX, I  requested that Equifax permanently lift the freeze because I was never able to use their website or the PIN they gave me to manage my credit freezes. Every time I called, I was answered by a call center employee who either told me to fax or mail my request ( both of which I have done multiple times ) or to " rest assured '' they would fix the matter soon. I never got a response. I am now applying for a mortgage and can not get pre-approval for a loan because my bank can not pull my Equifax credit score because the freeze is still in place. I have called Equifax multiple times, faxed my request, mailed my request, chatted with agents online, and asked to speak to a someone with the ability to help me. There is never a response beyond being told I should rest assured they will email me or advise me in 5-7 days when my fax/mail is processed. It never occurs - I never hear back from them. Their telephone verification system does not work and the people in the call center can't do anything. I've spoken with 10 different agents today.
Product: Mortgage

To Whom It May Concern : Thank you for taking the time to read this letter. I am writing because I noticed that my most recent credit report contains a total of numerous late payments reported between XX/XX/2020 to XX/XX/2020 ] for several of my accounts. 
I want you to know that I understand my financial obligations, and if it were not for the Covid 19 Pandemic, I would have an excellent repayment record. From XX/XX/2020 to XX/XX/2020, I experienced a devastating financial blow from Covid 19 affecting my employment of 8 years and ability to afford payments to my credit cards and mortgage temporarily. I did reach out to all my creditors to help accommodate during the pandemic, but I now have realized I was still reported in error and was never helped. Prior to Covid 19 I have never missed a payment on none of my accounts and had a 100 % repayment history. I made a mistake in not keeping an eye on my credit as this is the first time, I have used a credit reporting company, but moving forward, I will treat my credit with the utmost importance and have kept my eyes on every update to prevent any future errors. Since then, I have had a spotless record of on-time payments. 
I am planning to apply for a mortgage, and it has come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments for the following accounts. 
US Bank Mortgage = Account closed paid off, Dates reported late= XX/XX/2020 2020
Product: Vehicle loan or lease

I bought a new XXXX XXXX from XXXX XXXX in XXXX, TN on XX/XX/22. When I got home, I realized that they snuck an extended warranty ( {$2800.00} Cost ) into my deal. I called right away to cancel the warranty at the dealership. They claim they canceled the warranty, but after numerous phone calls, I've still yet to receive a refund. The dealership was quick to blame XXXX and XXXX is blaming the dealership. Not getting anywhere with either company which brings me here on XX/XX/22, 63 days after the sale was completed.
Product: Credit reporting or other personal consumer reports

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purposes.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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

On XX/XX/XXXX I sent a letter to Equifax requesting they update my consumer report and credit score. In this letter I added my current license, my utility bill with my current address and the last XXXX digits of my social security number. Equifax received my letter on XX/XX/XXXX. I received a letter back from Equifax stating they could not update my account because they couldn't verify my identity. I've had many correspondences with Equifax previously using the same driver 's license and utility bill ( just updated with current month ). My consumer report hasn't been updated since XX/XX/XXXX as shown on XXXX XXXX. It hasn't updated anywhere else either. This is preventing me from seeing what's reported and where my current credit worthiness stands. This a violation of multiple codes under 15 USC 1681 Credit Reporting Agencies. All I want is access to my consumer report. I do not want to escalate this situation at the moment, but I am prepared to move forward if necessary.
Product: Checking or savings account

THIS IS AN AMENDMENT TO MY COMPLAINT # XXXX On XX/XX/XXXX my domestic partner and I opened a joint account for the amount of {$1000.00} at SunTrust Bank branch in Florida located at XXXX XXXX XXXX XXXXin XXXX Fl XXXX. 

My partner already moved to XXXX and I am in the process of relocating. On XX/XX/XXXX the account was closed, the {$1000.00} that was paid to SunTrust by XXXX was removed from the account and withheld by SunTrust. 

The officer at the SunTrust branch refused to return our money. She told us the money was locked in the bank 's safety box. 

We were referred to speak with Officer XXXX XXXX XXXX XXXX ) XXXX at Suntrust XXXX XXXX in XXXX, who said that we had to contact the bank legal department. 

I contacted the legal office of the Teachers ' Union of which I am a member. They sent a letter on XX/XX/XXXX to SunTrust Bank. As of today the letter remains unanswered.
Product: Debt collection

XXXX sold my debt to Kohn Law Firm. I am unsure as to why XXXX keeps reporting my debt. I contacted Kohn Law firm twice per the attached letters and have not received what I requested. I then proceeded to contact XX/XX/XXXXto dispute all this and Khon along with XXXX stated that the debt was correct without once again providing me with the information I requested. Again, XXXX should not be reporting this debt since they sold it and Khon Law did not provide me with the documents requested.
Product: Credit reporting or other personal consumer reports

After reviewing my XXXX report, I noticed a inquiry by Valley National Bank. I've never done any business with them. I respectfully request that this inquiry be removed from my record.
Product: Debt collection

They are attempting to collect a debt that doesn't belong to me. They are demanding immediate payment from me without providing any proof they have the right person
Product: Vehicle loan or lease

Mercedes Benz and XXXX XXXX has denied our private International right to contract by denying our promissory note!
Product: Credit card

SunTrust Bank offered me a XXXX to replace the bank card that doubled as a credit card, I agreed to accept it. They also offer convenience checks monthly. I needed to use one with the understanding that it was interest free for 18 months. Starting in XXXX, I was charged interest. When I called, I was told that because the credit card was no longer interest free, the amount of the convenience check and whatever charges I had would be combined and I would be charged at the rate of the credit card. I stopped using the card and was still charged interest. 
What I learned today is that my monthly payments were allocated toward paying off the convenience check, that carried no interest, instead of the credit card charges which of course carried interest. I was never given a choice on how to allocate my payments. It is my understanding that consumers should at least be told when this is happening. Instead, the representative explained that it 's buried somewhere in the credit card agreement that I agreed to let SunTrust make that choice for me. 
I pay my credit cards in full every month. I have been charged a fee to use the convenience check, and then charged interest every month. This appears to be deceptive at best. And SunTrust is unwilling to make any adjustments.
Product: Debt collection

I have requested AMERICAN ACCOUNTS to cease sharing my private medical information because I never provided authorization for it. Even if I unknowingly signed something, I made it clear that I revoked any such permission. However, they have not complied with my request. Additionally, I find the charges on these accounts to be inflated, and they have not provided the itemized codes for each charge in these accounts. I have disputed these accounts, but despite my efforts, they continue to report to the credit reporting agencies ( CRAs ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX  reported to the credit bureau that we were delinquent on our XXXX payment. We made our XXXX payment by sending in 2 separate payments in XXXX. In XXXX we decided to refinance with another company. I had already sent in one payment towards XXXX payment which they reported they received on XX/XX/XXXX. We did a stop payment on the 2nd payment that was sent in on the XXXX of XXXX. I then called on XX/XX/XXXX to have our first XXXX payment refunded because we found out wed be closing on our new loan in XXXX and wouldnt need to make the XXXX payment. A few days later we received the refund. I received a letter in the mail stating we were late for XXXX and so I inquired. I looked into my account and noticed instead of them refunding my XX/XX/XXXX payment, they refunded my XX/XX/XXXX payment causing their system to make it look like we hadnt paid our XXXX mortgage. This resulted in a late fee and then requiring us to pay for XXXX, which had already been paid. I contacted XXXX mortgage on XX/XX/XXXX to dispute this action because we had done everything correct. I sat arguing on the phone with someone for 2 hours trying to explain how they had done everything wrong on their end until I finally asked for a supervisor. The supervisor, XXXX XXXX asked that we send in proof of payments, which I sent to her via email on XX/XX/XXXX. I have yet to hear anything back on a resolution. I have emailed 4 times for an update. Our loan was paid off on XX/XX/XXXX yet shows us as late on XXXX payment. I am beyond frustrated with this company and just want things cleared up!
Product: Credit card

XXXX XXXX  promised me a guaranteed approval for the Indigo platinum master card issued by XXXX XXXX  for XXXX dollars. I was promised and the pre-approval of the bank also restated the same. I applied and later was given a XXXX dollar limit and a XXXX fee. I called Indigo and was promised that because of the misinformation, the hard pull would be removed and the account will be closed if they cant change the limit to XXXX. Instead the card was closed and the hard pull remained. When I call they tell me they cant find the application at All.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$4200.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$7200.00} XXXX XXXX  XXXX XX/XX/XXXX {$21000.00} XXXX XXXX XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$12000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$34000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$9400.00} XXXX  XXXX XXXX XX/XX/XXXX {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I am a victim of identity theft. I recently learned that my personal information was used to make fraudulent charges on my credit card. Ive made several phone calls & sent several letters, and emails asking for this account to be removed off my credit as it is about {$450.00} worth of fraudulent charges. This account has been hindering me and causing emotional distress for almost 3 years and preventing me from purchasing a home. I am being punished for something I didnt do. Ive even noticed XXXX listed this account as a charge off and tax write off.