23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2021, I purchased tickets to an event from a company called XXXX, I immediately learned that the tickets for the event were not available until the following day. A XXXX search revealed multiple complaints about this company, stating that the tickets are not real and that the company is a scam. I called my credit card company, Capital One, and immediately reported these findings. They told me to file a fraud complaint and to cancel my card. They removed the charge and sent me a new card. A few weeks later, they put the charge back on my card. When I called, they said that this was not fraud and instead that I needed to file a dispute. I filed the complaint, the charge was removed for a few weeks and then was put back onto my account on XX/XX/2021. The company has not sent me tickets. They have sent a link in an email stating that if I click on the link, that I agree to their terms and services and will then receive my tickets. I have not clicked on the link or agreed to their terms and services. I have responded to the email requesting that the order be cancelled and they responded that I can not cancel it as I have already agreed to the terms and services, which I have not. They offered to let me sell the tickets through their site.
Product: Payday loan, title loan, personal loan, or advance loan

I obtained a XXXX in the amount of XXXX  from Oportun on XX/XX/XXXX. As of today XX/XX/XXXX, loan balance is sitting at almost XXXX!! I have made XXXX payments on this loan, totaling almost XXXX!! I need to understand why the principal is not getting any lower. Why is Oportun being a money lending predator? I have XXXX other loans from other companies and Im not having this issue with them. Oportun is bleeding me dry with unforeseen Interest payments. I have recently read their reviews and other customers have similar complaints!! They need to be investigated and stopped.
Product: Debt collection

I was contacted by XXXX XXXX Collections Manager TaxServ Capital Services , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX XXXX : ( XXXX ) XXXX x XXXX # Toll Free : ( XXXX ) XXXX Fax : ( XXXX ) XXXX E-mail : XXXXXXXXXXXX regarding auto taxes owed to the city of XXXX in XXXX. I never received an initial bill and the first information I received was in XXXX XXXX. 

XXXX XXXX provided only a statement and the only information it contained was the amount owed, interest and fees. There was no information about the billing period or a copy of the original bill. 

I requested that a copy of the original bill be provided so I could verify its accuracy and that of the collection agency. Since my vehicle was not plated for the entire year in CT, I wanted to verify the charges. Despite repeated requests, no original bill was provided. 

XXXX XXXX asked for information ( receipt of plate return, new lease, new registration etc ) that I promptly provided then followed up to make sure it was received and was complete. For the next 4 months I contacted the XXXX XXXX to determine the status of my bill. 

On XXXX XXXX, XXXX a statement was provided with revised balance, interest and collection fee. No explanation of the change in charges was provided. Again, I have no means to verify the accuracy of the charges or revised charges. Once again I asked for an explanation and further information and XXXX XXXX refused to provide this information. 

During the 4 month period when my charges were being reviewed I was charged interest on the balance owed. The time for review is excessive and the interest charges are high ( 18 % ) per annum compared to the prime rate of less than 1 %. 

The high interest charges, long delay in revising my bill and failure to provide accurate and complete information so I can understand and verify my bill are a problem. There has already been XXXX mistake in my billing and I feel it is my right to be able to verify the accuracy of any charges and fees. With the information provided this is not possible.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payments listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. 

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 
Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for these accounts.
Product: Mortgage

XX/XX/XXXX: Title search was performed on subject property address under agreement to be sold. Closing was tentative foXX/XX/XXXX Title search conducted by XXXX XXXX XXXX XXXX Title Examinations. Title report showed issue with title. An improper discharge filed in Book XXXX, Page XXXX ; release should have been signed/issued by XXXX XXXX, as assigned in Book XXXX, Page XXXX.XX/XX/XXXX: Seller 's attorney contacted Ocwen/XXXX XXXX. No update provided.
XX/XX/XXXX : Still no update provided by Ocwen on discharge. Resulted in extension for time performance and further delay of closing dateXX/XX/XXXX : Ocwen prepared discharge of mortgage requested ; however, it was improperly prepared and still inadequate to clear title issue. Title examiner requested proper change.XX/XX/XXXX : Ocwen contact stated discharge would be recorded to Registry of Deeds. Never recorded.XX/XX/XXXX : Still no update or filing from Ocwen. Closing has been delayed nearly one month.
Delay is causing hardship on buyer.
Product: Credit reporting or other personal consumer reports

Recently upon checking my credit report I noticed that I have been a victim of identity theft and found numerous credit inquiries that I had no knowledge of. I received notification that my information was involved in a XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. They stated that my personal information was accessed and downloaded from the banks database and a XXXX during periods in XXXX XXXX XX/XX/2024. According to Fair Credit reporting Act, Section 605B... It is illegal to report information on my credit report without my permission. Also Law 15 US Code 6802 states that no financial institutioin can share my non public information with a 3rd party entity. Please Remove this item from my credit report. I have once again enclosed the letter i received from XXXX XXXX  and trust and also a FTC report.
Product: Debt collection

The company is trying to collect on a cancelled debt that has been a charge-off constitutes TAX FRAUD and the matter will be reported to the IRS! I will be filling IRS Form 3949-A.
Product: Mortgage

Update XX/XX/XXXX : Me and my family were wrongfully foreclosed on and wrongfully evicted. Wells Fargo did not resolve my complaint or issue, which they stated they did back on XXXX. I still have documentation to prove my case. 
I made several payments to my Wells Fargo Home Mortgage account via XXXX Ca Branches, back in XXXX and XXXX that they did not apply my funds to the account. On my statement it states, UNAPPLIED FUNDS. In XX/XX/XXXX Wells Fargo changed my loan number without my consent. They've been threatening me and my property of default foreclosure and now eviction. Earlier this year they were trying to sell my property in a Public Auction which stated that I initiated the auction. Prior to that I attempted to bring my loan current with the amount they are saying I owe, by going to all three XXXX Ca Wells Fargo Bank branches and make payment. All 3 WFB refused my payment stating the loan number account does not exist. The Bank manager stated I should've been out of my house since XXXX. He pulled up my account somehow and it stated that I only have paid {$1000.00}. When I purchased my home in XXXX I made over 20 % down payment. How can this be? Now currently XX/XX/XXXX the XXXX XXXX XXXX are coming to my home and Evicting me. I hope we can resolve this because I have documentation to prove my case.
Product: Debt collection

I was married, my ex wife signed on an apartment and signed my name with out my permission or acknowledgement. The lease was signed in XXXX of XXXX when she signed the lease I was at military XXXX When I came back I moved in with her with no knowledge of my name being put on the apartment. Shortly after the I moved with her we legally separated for matters I can not disclose in this complaint. Earlier this year of XXXX after years later the property management filed it on my credit as a collection after months of disputing with credit bureaus. I contacted the credit company to request proof of my signature or responsibility. After reviewing the documents the signature us clearly not mine and false i have 100 's of military documents showing and proving my signature and why the two do not match. With that being said the company allowed the other person and party of the lease signature to pay half and removed them from the account with out consulting me or contacting me until the other person paid and removed. With me being left for the remainder balance so i am filing a fraud case now along with this complaint for the supporting documentation to remove me off this file / account nd for them to restore and delete the damages they have caused to my credit and hardships.
Product: Debt collection

I called Resurgent Capital to pay a debt XXXX. I paid the debt associated with XXXX  XXXX XXXX  ( XXXX ). Then I get a letter in the mail saying I owe XXXX. Threatening to sue me and they want a transfer from XXXX from my checking. I am on XXXX  SSDi ive never have a credit debt half that large. I am low income and Im afraid what there gon na do. This is Fraud the name of the debt collector is RESURGENT CAPITAL SERVICES L.P. XXXX XXXX XXXX XXXX SC XXXX phone XXXX They forged a document a d made up a lie amd they are threatening to sue me.
Product: Debt collection

I incurred a bill at a hospital I was unaware.

When I became aware I paid the hospital.

Months later armada Corp called me and father my information under false pretense.

Now they call me constantly trying to collect a debt I paid and they lie to me to get more information.
Product: Checking or savings account

From XX/XX/XXXX to XX/XX/XXXX someone stole my debit card and made small purchases in the $ XXXX range and large purchases up to {$910.00} dollars from XXXX. 

As I was in the process of moving and switching out of an abusive job, I was not actively monitoring my account .. when all was said in done..... I had submitted XXXX separate claims -> XXXX for {$5600.00}, XXXX for {$3200.00}, and XXXX for {$980.00}, which had been stolen from me on my lost debit card ( I did not realize it was gone until XX/XX/XXXX ). 

When I submitted this to Bank of America within the 60 day period in which they are liable for my charges- they declined saying that I had authorized them. 

At this point, I called back, asked that they reopen the claim and offered to provide any information that would be required to reinstate my claim. To my surprise- a few days later my claim was closed again. 

So, I called back and asked for a member of the fraud team to call me and describe specifically what information that I can provide to prove that not a single one of these transactions was me. I am very busy- but have left work and disrupted my daily life to go to the retailers and get proof that none of these charges were even me. 

Again, Bank of America never called me back and this time without alerting me they again closed my claim. Futher, when I just called them to complain - the agent hung up in the middle of the call and did not call me back after I waited on hold for 30+ minutes.

This ordeal has put me in serious financial jeopardy to the point that at one point I wasn't sure how I would pay rent, I have been nothing but willing to provide any information that the team would need to prove that it was fraudulent ( It was ), and I have taken hours upon hours of my own time to resolve this. I am beyond dissapointed with Bank of America 's treatment of a long term customer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, The list of home addresses, and 2 employers below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX Country XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX Employers : XXXX XXXX XXXX XXXX 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 a account without my written consent, or 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, credit repair services, or other personal consumer reports

I previously submitted a complaint for Equifax not reporting my credit score properly. That issue was resolved and miraculously they added XXXX points to my credit score when the changes at that time we're to account balance is going up. Now once again they show me paying off a card and one card increasing for less than the amount of the car that I paid off and they drop me XXXX points again. I had to submit a complaint before and after the second complaint they resolve this issue but now the issue has returned. There is no logical reasoning that I pay off an account and my credit score decreases but I use a card in the amount due on those cards increase in my credit score increases. There is something clearly wrong and Equifax the system when it comes to my credit reporting and this needs to be completed and fixed immediately. THE ISSUE IS EQUIFAX IS IMPROPERLY REPORTING AND SUBJECTING MY SCORE TO INVALID POINT DROPS WITH NO EXPLANATION. OR THE EXPLANATION IS A NEGATIVE ACCOUNT REMOVAL AND PAYING DOWN CREDIT BALANCES RESULTS IN A NEGATIVE POINT DROP!! THEY NEED TO FIX THIS NOW. I have called several times to no avail again. So I am hoping that you can assist with a resolution. And ONCE AGAIN THEY THE COMPLAINT WAS CLOSED SAYING THAT THE ITEMS IN MY REPORT ARE CORRECT. I AM NOT FILING A COMPLAINT ON THE ITEMS ON MY REPORT. EQUIFAX IS IMPROPERLY REPORTING MY SCORE. THERE IS POINT DROPS WHEN POSITIVE THINGS HAPPEN. AND THERE IS A 50+ POINT DIFFERENCE BETWEEN EQUIFAX AND THE OTHER 2 CREDIT COMPANIES. This is the second time this has happened. Last time I had to submit 2 complaints as well because they claimed they had resolved the issue and they had not. EQUIFAX IS IMPROPERLY REPORTING MY CREDIT SCORE NOT THE ITEMS ON MY REPORT. At this point I am starting to feel targeted and discriminated against. My score needs to be properly updated!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, my name social is XXXX and my date of birth XXXX. I have not recieved any update per my recent disputes to Experian and XXXX. I have been waiting beyond 30 days with no repsonse. I am requesting all of the erroneus, obsoletm and inaccurate items on my credit reports with both Experain and XXXX  be deleted immediately
Product: Debt collection

My ex partner opend accounts under my name and they went to deb collectors I have tried to diapute this collections but they keep saying its verified but they never provide valid paper work
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 these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to fix and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$220000.00} XXXX XXXX XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX XXXX Balance : {$7000.00}
Product: Debt collection

I fell behind in XXXX  when I purchased a vehicle that I purchased that was constantly broke down. my best buy/ Citi bank account was one of the counts suffered I have been catching up over the years. 
However, when I call Citi bank the automated system cant locate my account. when the representative comes on the phone, they tell me they cant see my account. they must transfer me to another company that is handling my account now. 

Their representative tells me the account is too old for them to collect a debt on. they tell me I can send a voluntary payment to Citi bank but can not not do anything about my credit report.

If Citi bank cant find my account, I am not going to just send them money. 
I understand I messed up with the account. However, I am trying to make it right. 
They are continually reporting the account to my credit report every month. 
They will not offer to settle the account but still will not settle the account.
Product: Mortgage

SPS will not furnish all original documents sent to them from borrower XXXX XXXX XXXX -XXXX  . Borrower used my information to secure a trial period payment option and I requested from SPS the documents that were submitted. SPS stated that they have no clue of this person, address nor the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX XXXX the United States District Court of XXXX District of Kentucky issued a Discharged in Re : XXXX XXXX XXXX and XXXX XXXX XXXX Vs. United States Trustee. Upon that discharged I demand that Select Portfolio Service and its affinities to update my crerdit report to all major credit bureaus of my payment history for the last 73 prior months from this date. 
They have failed to do this or present me proof update my credit report with respect to my Mortgage History for the last 73 months.
Product: Student loan

MEFA loans and XXXX mailed me four physical letters ( I have four open accounts with them ) dated XX/XX/XXXX. These laters stated information about my repayments such as the payment options, estimated monthly payments, and when my first payment due date would be. It was stated in writing that my monthly payments were to begin on XX/XX/XXXX. 

Recently, XXXX XXXX XXXX acquired XXXX and sent me four new physical letters that now claim my account is 60 days overdue and has now been sent to a collection specialist. When I reached out to them about this issue I was told that they have " no idea why MEFA would send me anything about payment options when it is not even them who I am repaying '' but that it was also not them who sent the letter. I was told to call MEFA so that they could explain it to me as I " just was n't listening '' to what the XXXX specialist was saying. The " specialist '' I spoke with refused to believe that MEFA would send me a letter even though the new letters from XXXX are also stamped with MEFA in the letterhead. 

I am now aggravated that I have been preparing to begin making payments in XX/XX/XXXX only to find out that I owe thousands more for past due payments. Even more so, XXXX refuses to even hear me out on the situation or help me come up with a plan so I can reasonably pay back my loans.
Product: Debt collection

i was on my way to have a good credit score to buy a house, then i got sick in 2018, could not work, end up XXXX XXXX XXXX XXXX XXXX in the hospital and then to the V.A.because, my job took my insurance away, went to a XXXX XXXX, there they got me public aid and food stamps, link card, snap, and to wait for my S.S., finally got it, two years later, try to pay my debts, but they already sold them to collections agencies and they were charging the double amount
Product: Vehicle loan or lease

My Oldest Sister ( XXXX XXXX XXXX called and asked if I could cosign for her and her daughter ( XXXX XXXX ) a car.I explained to her that I was more than sure that I would be declined because of my income because of the debt to credit ratio. her constant pleading. made me feel bad. so I agreed to allow them to Check my credit. but once again explained to her and the gentleman at XXXX XXXX to whom I gave my SSN #, that my income had drastically dropped due to my now being on XXXX. 
He assured me that they were only going to check and let me know. 
2 weeks later I received an email concerning a vehicle that I had purchased. 
I immediately call XXXX XXXX & asked to speak to the manager. I was then transferred to whom I believe was the financial department manager. Unfortunately I do not remember his name. I explained the situation to the person over the phone and I admitted that I had provided my social security number to run a check only! but I did not sign for the vehicle. I expressed to him that what this company has done was dishonest and at this point the gentleman hung up on me. I reached out to XXXX financial center and explained the situation to them. I was told that there was nothing that could be done. I did ask for a copy of the contract. When I received the contract I was completely shocked to see that I was the buyer of the vehicle not the CO signer. However it did show my sister as the CO signer. Which confused me because my sister had no credit to qualify for other vehicles in the 1st place so how does she qualify to be my CO signer? Please know that when this contract was signed I was not in the state of Oklahoma I live in XXXX Texas. And I'm a little confused because I think that it is proper protocol not to give the keys to a newly purchased vehicle to the CO signer instead of the buyer? XXXX XXXX Participated in allowing someone else to get a car under my name and using my social security number. After reading a complaint 's posted on XXXX  concerning or XXXXd an XXXXXXXX XXXX it is very clear that this is a business that does not have honor they do not have the interests of their customers and they do not act with integrity and honesty in their business practices it's all about the money with them regardless of the consequences that their customers may have to face because of their Unethical practices. My niece XXXX XXXX has Possession of the vehicle, she is late with her payments, now XXXX financial is Harassing me. I want this vehicle removed from my name and off my credit report I want them to admit and apologize and a full explanation to how my credit check end up in me and then handed over a vehicle to another person I would also like for them to explain if it's proper protocol to hand over the keys to a new vehicle to someone other than a purchaser without authorization in reading their own agreement it States that the dealer and financial institution verify employment pay XXXX and debts This information is necessary to appropriately evaluate your application my income was never verified the debt to credit ratio was never determined.
Product: Checking or savings account

My credit union has been spooling me for 50 years could u check them out? I am in the process of switching to strictly savings to have better control!
Product: Credit card or prepaid card

There are 2 late payments or missed payments on my report. On the Capital One Bank USA. This was due to a miscalculation on my part when paying my bills PLUS I'm also having Financial difficulties due to COVID-19.