23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a voicemail from a XXXX XXXX with Wienberg stating the message is for XXXX XXXX last 4 of social XXXX. He is calling in regards to the complaint filed against my name and social and docket # XXXX. He did not give a company who filed this complaint. He gave me until the end of business day for me or my attorney to return is call or it will result in a court order issued at my place of employment or residence. His direct line is XXXX, ext XXXX. Thank you and good luck. I do not know who this Wienberg is and have not received anything in writing or any prior phone calls. While I do have debt, I have no idea if this is legit or not because this man won ; t give me any info or mail me anything in writing. Only threats. They called my previous place of employment leaving all the same info, my ex-husband who I have not spoken to i over 10 years and my aunt.
Product: Consumer Loan

I applied for a title loan in XX/XX/2014. It was not clearly explained to me that you are paying off mainly interest, very little would go toward the loan princiable. For example I pay XXXX only {$10.00} would be applied toward the principal, the rest would go to interest. No matter how you pay unless you pay the loan off in huge amounts there is no way you can catch up the interest. Now I am struggling to keep up and have fallen late on the loan. When I make a payment it all goes to interest and none is applied toward the princiable. I talked with the regional director for the XXXX California Check into cash to try and work this situation out and have been threaten with losing my vehicle. I have paid approximately XXXX dollars in interest alone. That is more then I borrowed. I have done all I can to pay this loan back and have come to realize that unless I pay it all at once I will not be able to end this cycle. This company targets people who have credit problems and misleads them to believe they are helping. It is only after you have fallen into there trap that you realize it.
Product: Prepaid card

On XX/XX/XXXX, I purchased a {$100.00} XXXX card from XXXX. I mailed the card to my mother as a XXXX 's XXXX gift. When she went to use the card at a store, it was invalid. When we called the number on the back of the XXXX card to inquire, we were told the funds were already used and taken out. A case was opened on XX/XX/XXXX by XXXX XXXX ( my mother ). Case # XXXX. All information required by XXXX was provided - picture of mother 's license, picture of card, picture of XXXX receipt. I followed up on XX/XX/XXXX and I myself resent all the information by email to XXXX. Since then, I have called to follow up on getting a replacement card on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time I am told that they are working on it and it is going through approval. On XX/XX/XXXX, they told me they mailed the replacement card, but we never received it. They told me they would follow up with me in 48 hours, but never did.
Product: Credit reporting, credit repair services, 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 SECTION 602 A. States that I have the right to privacy.

15 U.S.C. 1681 SECTION 604 A Section 2 : Also states a consumer reporting agency can not furnish an 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 believe that the information is inaccurate.
Product: Vehicle loan or lease

I paid excise tax back in XXXX, for over XXXX dollars. Car was totaled on XX/XX/20 It was paid off by my insurance. 
I have been trying to calll Chrysler Capital Several times with no able to direct me, or put me on hold and then they hang up. 
I just want my abatement check, they owe me. ( its probably around XXXX ) XXXX XXXX I also put in a complaint before with company on this site
Product: Credit reporting or other personal consumer reports

This is a formal dispute and request for investigation under the Faur Credit Reporting Act ( FCRA ). 15 USC 1681 et seq.

The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports issued by our following provisions support my dispute : 1. 15 USC 1681e ( b ) Accuracy of information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report.

2. 15 USC 1681i Duty to investigate : This provisions obligates credit reporting agencies to conduct a reasonable investigation into these inaccuracies.

3. 15 USC 1681c Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness related information. The inaccurate names sb addresses do not contribute to an accurate representation of my creditworthiness and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have been trying to go into my XXXX XXXX  and XXXX XXXX accounts to see my credit score it shows a score. but doesn ; 't show the details such as how much i owe on a specific card or the usage on it. Was hoping this can be fixed with transunionXXXX XXXX XXXX and updated so i can better understand what I owe and pay everyone up.
Product: Credit reporting or other personal consumer reports

Good Day, Upon checking my credit report, There is an account reporting to my credit profile that should not be there ( XXXX XXXX XXXXXXXX ). I never gave authorization or consent for this credit to open this account and never used said credit card or loan. I requested documentation from the creditor and have not been provided proof. I have been a victim of identity theft over the years. This account that has never belonged to me and continues to reflect on my account with negative/chargeoff late payments that continues to hinder my credit profile. This credit bureau is in violation 15 USC 1681 ( 2 ) ( a ) ( i ) reporting late payment XXXX XXXX XXXX Your assistance this pertinent is greatly appreciated, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a dispute more than 30 days ago to XXXX and experian and neither of them have responded back. the only one to do their job correctly was XXXX. by the FCRA, these companies have 30 days to respond and they have not.
Product: Credit reporting or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I checked my email and realized there was an unauthorized inquiry from pentagon federal credit union on my reported dated XXXXXXXX I have a pen fed checking and savings account but I never requested any credit from them
Product: Debt collection

I was apart of identity theft. I now have a debt from a collection company I dont know anything about for {$550.00}. This has caused my credit score to drop enormously. I have never done business with this company.
Product: Credit reporting

In XX/XX/XXXX, I lived in California. I had never paid CA state taxes, and in fact, every year I received a refund. When I married a XXXX XXXX man, the military moved us across country in XX/XX/XXXX ; he deployed shortly thereafter. I had no idea that CA was in the process of incorrectly processing a tax return for me. Truthfully, I felt almost benevolent in that I had not yet bothered to apply for the monies I knew California would owe me. 

They assessed that I owed them {$1100.00}. Not only was their calculation incorrect, but they actually owed me {$350.00}. 

When we applied for a loan, I saw the lien on my account and immediately filed my XX/XX/XXXX taxes, requesting my refund and that the lien be removed from my credit report. The CA FTB can not remove it from my credit report, because they do not report to the credit bureaus, rather it is made public knowledge, and the bureaus access the public knowledge. I did get a letter from the FTB that stated the tax return I submitted on XXXX/XXXX/XXXX, 10 days after the lien was filed, showed a balance due of XXXX. 

It is frustrating to see that the lien shows " paid '' on my Transunion credit report, as I never paid a single dime to have it removed, because I owed them absolutely XXXX, and they owed me {$350.00}. 

XXXX shows no status at all, not paid or released, just ... nothing. 

I do not know what XXXX shows, but it likely is n't much better. 

This is an unfortunate error that is causing serious detrimental effects to my credit. I was never a tax dodging citizen as this blemish accuses, rather someone who was overwhelmed by the new responsibilities of being a XXXX wife, and thinking I had nothing to worry about, as I knew, rightfully so, that I owed no money. 

If there is anything at all that can be done to assist me in this matter, I am immensely grateful for your support and action. 
Sincerely, ( you wanted no personal identifiers, so I will say XXXX Wife )
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regard to consumer reporting agencies reporting inaccurate information without my written consent pursuant to 15 USC 1681b ( a ) ( 2 ).

The problem i am having is my rights are being violated. Congress put forth rights for consumers protection stating my written consent to my consumer report is needed before furnishing any information. Due to non-cooperation pursuant 15 USC 1692k the agencies involved are civilly liable. 

I mailed a letter XX/XX/2021, and as of XX/XX/2021, Still no response. 

The agencies that are violating my IV Amendment ( The right of the people to be secure in their persons, PAPER, and effects, against unreasonable searches ) are XXXX, XXXX, and Equifax. 

I am the consumer and the natural person.
Product: Credit reporting, credit repair services, or other personal consumer reports

reviewed my Consumer Reports and noticed that I had several late payments reporting. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. Reporting late payments is unlawful/illegal according to 15 U.S.C 1681a ( 2 ) ( B ) and 15 U.S.C 1666 ( B ), I have a right to privacy and did not consent to any information pertaining to late payments being reported on my consumer report.
Product: Money transfer, virtual currency, or money service

I, XXXX XXXX, consumer and former member of PNC bank, wish to file a complaint against PNC bank for violation of the Electronic Fund Transfer Act heretofore known as EFTA. ( EFTA ) is a federal law that protects consumers when they transfer funds electronically, including through the use of debit cards, automated teller machines ( ATMs ), and automatic withdrawals from a bank account. Among other protections, the EFTA provides a way to correct transaction errors and limits the liability resulting from a lost or stolen card. 

Electronic fund transfers are transactions that use computers, phones, or magnetic strips to authorize a financial institution to credit or debit a customers account. Electronic transfers include the use of ATMs, debit cards, direct deposits, point-of-sale ( POS ) transactions, transfers initiated by phone, automated clearinghouse ( ACH ) systems, and pre-authorized withdrawals from checking or savings accounts. 
The EFTA outlines requirements for banking institutions and consumers to follow when errors occur. Under this act, consumers can challenge errors, have them corrected, and receive limited financial penalties. The EFTA also requires banks to provide certain information to consumers and defines how they can limit their liability in the case of a lost or stolen card. 

If the institution is notified within three to 59 days of a lost card, the liability could be as much as {$500.00}. And should it not reported within 60 days, the consumer isn't protected from liability at all, meaning it could forfeit all funds in the associated account, and be responsible for paying any overdraft charges. 

My complaint hinges upon the fact that the complainant informed PNC bank of unauthorized charges on his account within 60 days of opening his account. The account was opened on XX/XX/XXXX. I began receiving notices from PNC bank at the end of XXXX concerning fraudulent activity on my account. Consequently, PNC bank ignored the complainants requests to flag his account for fraud and to disable his stolen card after noticing the unusual activity and transactions that took place on his account. Because PNC failed to protect the complainants account from fraud, they have violated the spirit of the act and should be addressed accordingly. The Act clearly states that if an institution is notified within three to 59 days that the liability is capped at {$500.00}. PNC bank has now initiated collection procedures ( see attachment ) against the complainant without legal basis or due process and has initiated irreparable damage to me financially and professionally and I am seeking damages for their egregious and willful violations to EFTA. I am seeking damages of {$5000.00} for their violations.
Product: Credit reporting or other personal consumer reports

The issue is that the creditors are reporting the account was closed in XXXX and that is inaccurate. This is improper use of my credit report and I would like this account to be removed immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is unacceptable I tried again to get morgage funding. Invoice I obtained a copy of the soft credit. First of all it came back that my score is what it is due to delinquent accounts an i have zero delinquent accounts all my accounts are current an on time. The length of time in my current delinquent accounts again I have none. I am being denied a home morgage because of these lies. This is outrageous an completely illegal. This is not true. Yet I am being judged an denied because of it. I cant believe this is
Product: Credit card

XXXX XXXX was a victim of the nation wide XXXX data breach, my personal information was used to purchase rental vehicles from XXXX  on XX/XX/XXXX ( {$4000.00} ) ( Dispute case # XXXX ), XX/XX/XXXX ( {$760.00} ) ( Dispute case # XXXX ) and XX/XX/XXXX ( {$490.00} ) ( Dispute case # XXXX ). 
My credit card company APPLE CARD, Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA failed to investigate the fraudulent card pursuant to their own internal policies for handling consumer billing disputes. 
Apple Card, failed to arbitrate the dispute per consumer contract agreement upon the consumer request. 
Apple Card fraudulently informed the consumer that if he made payments to the card while the dispute was pending he would have access to his available credit.

When the consumer made two {$1300.00} payments he was shortly thereafter blocked from using his available credit card.

Apple Card still has refused to refund his {$2600.00} payment after they blocked his available credit limit upon his request. 
Apple Card has refused to provide the consumer with a copy of their written internal consumer billing dispute investigation policies and procedures. 
Apple Card has hidden dispute cases where XXXX XXXX has won allowing him to to have access to his credit limit while his dispute is pending.
Product: Debt collection

There are repeated calls daily. They are requesting my social security number and address.
Product: Debt collection

Why is it that, despite my diligent efforts to bring these inaccuracies to your attention, your bureau continues to report the same late payments, casting a shadow over my creditworthiness? I was the victim and Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. I am left questioning the sincerity of your commitment to aiding consumers in maintaining accurate credit profiles. The fact that the inaccurate late payments persist suggests either a monumental failure in your investigative processes or a deliberate negligence that borders on betrayal. 
XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I demand an immediate and thorough investigation into this matter, along with a detailed explanation of the steps your bureau is taking to rectify these inaccuracies. It is inconceivable to me that a credit reporting agency of your stature can not fulfill its fundamental duty of ensuring the accuracy of the information it disseminates. I insist that you act promptly to remove the inaccuracies from my credit report and provide me with a written confirmation of the corrections made.
Product: Debt collection

XXXX XXXX was an overall XXXX  experience. We had the city of codes deem our unit  unlivable XX/XX/XXXX. They refused to fix the unit for months. The city gave them a deadline to fix the violations ( over XXXX violations ) and they did not do so. We ended up seeking legal help to get out of our lease, and our lawyer also gave them a deadline to resolve the issues or else we were entitled to move. Due to their lack of acknowledgement, we reached an agreement in XX/XX/XXXX, we would have to vacate the property, they keep our deposit + pet deposit and we pay {$1500.00}. That was the final amount all parties agreed upon. Moving forward, we would not owe them anything and they would not ask us for more. All XXXX members living in the dwelling had signed, as well as a member of management. Their funds were dropped off in the form of money order on XX/XX/XXXX before the business day was over. We had already moved and vacated the property by XX/XX/XXXX. We have images of mold growth that affected our health. Attached are urgent care documents supporting XXXX  and XXXX XXXXXXXX  being recommended. Previously I had no XXXX XXXX XXXX XXXX that would lead to XXXX. We requested a mold team be hired. to inspect and we were denied. In addition to the agreement, I have uploaded the Code Violations as well as email exchanges to our lawyer dated from XX/XX/XXXX. There was confirmation during our reinspection in XX/XX/XXXX, only XXXX out of XXXX violations were fixed plus the confirmation of rats was an additional violation added after the fact. We have every single email exchange and bit of documentation from XX/XX/XXXX until the matter was officially resolved XX/XX/XXXX. If further evidence is requested, we would be happy to provide. On XX/XX/XXXX, of XXXX. I was notified that I had owed a debt to XXXX XXXX XXXX for an amount of {$1000.00}. When reviewing it through one of the credit bureaus, it said this credit had begun on XX/XX/XXXX of XXXX and it was Delinquent by XX/XX/XXXX. In late XX/XX/XXXX, we tried to reach out to XXXX XXXX, but all workers that were present during our lease has been ( conveniently ) let go or no longer works there. Besides, XXXX, the very man I gave the last owed money ( {$1500.00} ) as provided in the " AGREEMENT TO VACATE '', in form of a money order ( XXXX  ), on XX/XX/XXXX before XXXX. He works there and they refused to let us speak to a XXXX XXXX. The current people who work there now are XXXX, XXXX and XXXX and they provided no help. 

This Credit has begun almost 2 years after we had settled to vacate from this apartment complex, with all dues paid. These dues were agreed upon by our lawyer and their legal team and we have all the documents to support this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX ; XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX Balance : {$4200.00} XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Prove to me that I have signed anything that I owe this collection agency. 

I'm not disputing that I don't owe money but, I'm disputing that I don't owe this collection agency
Product: Credit card or prepaid card

On XXXX XXXX and XXXX XXXX my bill of XXXX dollars did not go through when it was on auto pay. I reached out the company and they acknowledge that they saw the payment try to come out of the bank but was rejected. They did not notify me about this rejection and just gave me a late payment. Now Im trying to get a Mortgage and because of this mark on my CREDIT REPORT its making it hard for me to provide a home for my family, it unfair that the company is not trying to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is inaccurate and is in clear violation of my privacy. Which is a violation of the law. 
This is embarrassing and damaging to my reputation as a consumer. As the consumer, I demand the following accounts be UPDATED TO PAID AS AGREED immediately. 

Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXXXXXX XXXX Account Number : XXXX Update to paid as agreed XX/XX/2023, XXXX XXXX XXXX