23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I paid {$4600.00} for the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX through XXXX  XXXX  starting XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX XXXX sent out and email stating the event was canceled due to XXXX XXXX, XXXX XXXX failure to provide payment for reservations. Despite several failed attempts to contact XXXX XXXX, they finally sent out an email days later stating the event was canceled and they are working to provide a sustainable credit and or refund process. I paid {$2300.00} on my Discover credit card. I filed a dispute and was denied several times. XXXX XXXX sent Discover a fraudulent contract that I never signed stating the event was nonrefundable and a credit for a future trip would be given. In my contract the verbiage states that if the event was canceled due to reasons beyond their control a credit maybe issued. Failure to submit payment for reservations is within their control. Immediately after XXXX XXXX released their statement, XXXX XXXX deleted all of our online accounts. Many of us were not able to retrieve several documents. XXXX XXXX also sent a refund request form on XX/XX/XXXXXXXX  and Ive yet to receive a refund or a credit. On XX/XX/XXXX, XXXX XXXX, XXXX XXXX filed Bankruptcy in California. Also, the trip that I was supposed to be given a credit for in XXXX XXXX XXXX was just canceled. He did the same thing to all of those people. He stole all of our money. Im requesting a credit from Discover for {$2300.00} for services not rendered.
Product: Debt collection

I never opened this account. I called XX/XX/XXXX to ask why this account appears on my credit report in XX/XX/2020 ; they would not give me any information because I could not verify the security code on the account. I explained they were incorrectly reporting this account to my credit report ; however, XXXX stated that because I could not verify the account with them, they would not help me. I asked to be contacted by a supervisor or manager, no one returned my phone call.
Product: Debt collection

The company has repeatedly called me and has called me in the past with incorrect information. 

Most recently they have started calling at around XXXXXXXX XXXX and XXXXXXXX XXXX, and now finally at XXXXXXXX XXXX when they were previously calling mid-afternoon to early-evening. 
The late calls are very inconvenient as blocking the number does not prevent them from calling me, they just call on a new number.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX Louisiana is not licensed to conduct business in the state of California ( MobilLoans ) and they are still providing loans illegally. They reported to the credit agencies a charge off when the loan was not legal in California. They also violate the California Usary Law with the amount of interest they are charging
Product: Credit reporting or other personal consumer reports

I have reviewed myt reports on all three credit bureau and the information doesnt match. I have reached out to these companies for a debt validation letter or a XXXX if the so called debt was a charge off. I am reaching out for assistance to get this removed from my credit report. 
XXXX XXXX XXXX  This company charge off refused to send documents or XXXX Account info Account number XXXX Status Account charged off. {$650.00} written off. {$560.00} past due as of XX/XX/2024. 
and XXXX XXXX XXXX  This company charge off refused to send documents or XXXX Account info Account number XXXX Status Account charged off. {$650.00} written off. {$560.00} past due as of XX/XX/2024. 

XXXX XXXX XXXX XXXX refuses to send documents Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the data breach involving my equifax file, i have tried on dozens on occasions to have my credit file corrected. My identity was comprised because of that breach. My disputes were successful with the other two credit reporting companies. However, Equifax continues to report erroneous records on my credit file. Between XXXX and XXXX, I have disputed these things over a hundred times. You would think that the company would be more helpful, since their breach caused this and all I want is my file correct instead of suing for damages. This issue alone has kept me from my dream of homeownership and i am at my wits end.
Product: Debt collection

I had a debt with XXXX XXXX XXXX located in XXXX, South Carolina. I paid the debt directly with the hospital. However, a company called Receivable Solutions, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, SC, XXXX tried to open up an account - illegally and without my knowledge or permission to collect an otherwise paid debt. I receive notice from XXXX of this attempt. My credit had been frozen per my request since last year so that NO one but me can open up a credit account. How were they able to do this? I reached out to XXXX stating this was unauthorized and they will fight this on my behalf. How can a debt collector - not having a debt with me be able to open up an account without my consent? Harassment I understand but this is next level WRONG. What can be done?
Product: Debt collection

I had went to court back in XXXX of XX/XX/XXXX for falsely alleged damages owed on an apartment I had rented for around 6 years and the case was dismissed.I am now getting threatened with garnishment papers for a debt that isn't owed on a case that was dismissed almost 7 years ago. This is going against the court of law and a order brought by a judge.
Product: Student loan

XX/XX/XXXXUNIVERSITY ACCOUNTING SERVICES & XXXX XXXX XXXX XXXX .... 
THIS IS MY XXXX STATEMENT AND ALREADY IT HAS PAST DUE CHARGES ON IT ... 
THE AMOUNT I OWE WENT FROM {$900.00} TO {$910.00} with Interest of {$4.00} plus Past Due Charge of {$3.00} ... .and this is my FIRST Billing ...!!! 
DescriptionXXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXXLoan DetailsID XXXXXXXX ; XXXXDescription XXXX XX/XX/XXXX ; XXXXStatus GraceCurrent Balance $ XXXXCurrent Principal $ XXXXCurrent Fees ( Interest Bearing ) $ XXXXCurrent Fees ( Non-Interest Bearing ) $ XXXXCurrent Interest $ XXXXCurrent Interest Rate 8.900000 % Amount Due $ XXXXDue Date XX/XX/XXXXAmount Past Due $ XXXXCurrent Interval MonthlyAccurate As Of XX/XX/XXXXTHIS IS FRAUDULENT AND PREDATORY BILLING ....!!
Product: Credit reporting or other personal consumer reports

112 Claims inaccurate information 111 Claims company will delete. 

106 Disputes present/previous Account Status/Payment History Profile/Payment Rating. 
012-Claims paid the original creditor before collection status or paid before charge-off.

United States constitution Treaty of peace and Friendship 1789 I am the lessor of this vehicle uniform consumer credit code the Federal Consumer Credit Protection Act 15 us code 1666 correction of billing errors You committed security fraud Can you give me evidence of my indebtedness?

I gave you a security and have not got my dividends from the security I gave you.

You never loaned me any money I received a house for which I am the grantor/Creator of the deed of trust and have the right of subrogation removing you from you fraudulent positions of trustee article one section 10 of the united states of the constitution notice of error Amen in GOD we Trust
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX CO : account # N/A, account name XXXX : account # N/A, account namXXXX XXXX XXXX, account # XXXX, account name XXXX BANK, account # N/A, account name XXXX XXXX SERVICES, account # N/A, has violated my rights. ( List all negative accounts ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can no
t 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 of convictions of crimes which antedates the repot by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I disputed charges with Chime and explained to them my phone and cards were stolen and I never authorized any monies to be used. I deposited {$1400.00} in total by a company and the same company took it back out in batches. I wrote the merchant and they didnt see anything so I wrote chime and disputed the charges and therefore they denied me my money back within 30 hours of investigating it. The file number is XXXX and when I asked them for copies of the documents they said they dont have them. So how did you deny my stuff when you cant even give me my paperwork that Im entitled to see and dispute.
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. 
XXXX XX/XX/XXXX EQUIFAX. 
XXXX XX/XX/XXXX EQUIFAX. 
XXXX XX/XX/XXXX EQUIFAX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. 
XXXX XXXX XX/XX/XXXX EQUIFAX. 
XXXX XX/XX/XXXX EQUIFAX.
Product: Credit card

I was overcharged by a restaurant merchant. I used my Capital One credit card. I did not collect/keep the copy of my credit card receipt. When I realized the ( new ) restaurant employee overcharged me, I visited the bar to attempt to resolve. The attendant took all of my information, took responsibility for the overcharge and stated the employee was new and learning. The attendant said I would hear from the manager within 5 days. After two weeks passed, I disputed the charge with Capital One. Unlike XXXX ( which is a good company ), they made the complaint/grievance process long and difficult. The rep told me it was online fillable form, it was not. I printed and filled out the form as requested. I mailed a copy of the dispute information I had and called again to receive a secure form/link to upload it. I uploaded the form and within 5 minutes I received a response that I was denied and the charge would be re-applied to my account. Why?? The rep on the phone told me my dispute letter would start the process of an investigation on Capital One 's part. They did NOTHING- meanwhile the receipt is sitting at the restaurant with the CORRECT amount I authorized my card be charged for.. And no one did anything. This is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 instructions CBNA account 426938
Product: Credit reporting 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 the 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 accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXXXX/XX/year> According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

On XXXX XXXX, 2017 I visited my local branch of BBVA Compass Bank to open an Individual Retirement Account. I had to open the account prior to funding since the non-taxable transfer of my 401k account had to be directed to the bank. The same day, I received a credit alert from my XXXX XXXX provider that a hard credit bureau inquiry was made on my social security number by Compass Bank. On XXXX XXXX, 2017, the funds from my 401k were made available to finish the funding of the IRA account that I  opened. The transaction was completed and funded on that date. In addition, on XXXX XXXX, 2017, I requested that the bank remove the hard " credit '' inquiry, as no permissible purpose existed to obtain a credit report for this deposit account. The bank personnel refused, citing that the bank " always '' pulled a credit report for new customers. I objected and indicated to the bank personnel that the hard inquiry changed my credit score for the worse as if I had applied for credit from the bank. In addition, I did not receive a disclosure regarding the bank 's use of the credit score, or the fact that I did not, nor do not intend to apply for credit from this bank. In the bank 's privacy statement it indicates that the bank will use information obtained about a customer to solicit credit products. I could not object to this use, and am thus now penalized as though I had applied for credit when I did not! There are other means to verify identity when opening a deposit account ; I object that the bank utilized a credit bureau report to verify my identity without my permission.What I seek is the removal of the Compass Bank credit inquiry at the credit bureau and remove credit information obtained from such report from my customer profile at the bank so that I am not solicited for credit products. If I had known that this bank would pull a credit bureau on a deposit account, I would not have opened the IRA account with them. Now I am stuck with this account at this bank without the ability to transfer the funds to another bank because of IRS rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to ExperianXXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX  XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXX Balance Owed : {$0.00} TBOM/FORTIVA XXXX Balance Owed : {$1500.00} XXXX FIN XXXX XXXX Balance Owed : {$19000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$740.00} XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX  XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$740.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX. On the XXXX of XXXX I had submitted a form on my account with them for a potential {$1000.00} credit line increase. They approved it immediately. Later in the day I got a notification from my credit monitoring company telling me that there was a new hard inquiry on my report. I checked my report and there was one from XXXX. When I had submitted the form there was nothing stating that they were going to pull a hard inquiry. So XXXX did not have my authorization to pull the report. Any other credit card company that I have gotten credit increase has not pulled a hard inquiry. Had I known that they were going to do that I would not have asked for the increase and would have applied for a new credit card with a different lender. I contacted XXXX and told them they never had my approval to pull the report and something needs to be done about it and they said oh you asked for us to review your credit so we need to pull your report, so sorry but it is what it is type of thing. ( Note this was said in the email I have attached, it says that they need to pull one, it doesnt say that they already did, so there is some discrepancy there ) Since I never authorized it I then went to trans union to dispute the inquiry on my report but they said they cant do anything about it and I need to contact the credit company, which as mentioned I did and got nowhere which is why I am filing this complaint.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the XXXXredit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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

Chase Bank has slowly been upping its interest rates on credit cards. It makes it harder and harder to pay off debt. I lost my job last year and can not afford to pay off my cards and it has just become harder and harder to do so. I called to ask if there were any options and the guy was like, no, not really, unless you want to talk to our nonprofit credit counseling partner. Which I don't, because my credit is decent enough, I just can't afford to pay these outrageous interest rates ( one card went from 16 % to 25 % and they don't tell you this when it happens ). I spent an hour on the phone with four separate departments today because no one was aware of what was going on. 

These people receive billions of public subsidy and they don't provide ANYTHING for the communities they " serve. '' I am sick of it and I need them to give me a better option.
Product: Debt collection

I need some help, I have had insurance my whole life, a collection agency has been calling named Alliance Collection. I advised this agency XXXX months ago if my insurance was ran they would have paid it. I took it upon my self after this agency reported this to my credit to call my insurance company finding out this was never submitted for payment at the doctors office which everyone was advised I had insurance and provided the card and proof. The insurance company is now also getting involved. The collector was very rude also.
Product: Payday loan, title loan, personal loan, or advance loan

Original loan amount of $ XXXX on XX/XX/XXXX from One Main Financial, monthly payment was {$330.00}. I purchased an involuntary unemployment policy for 1 year, thru a OMF vendor. I was XXXX XXXX and filed claim. payments made by XXXX from XX/XX/XXXX to XX/XX/XXXX being the Last payment received in the amount of {$580.00}. A total of {$3700.00} was paid out of the policy. 
i have demanded a clear and concise breakdown of payment to no avail and to redo terms of the loan. I received a notice of repo dated XXXX. I remain XXXX  and need the car to take my adult XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) brother to XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX california 3 x per week XXXX XXXX XXXX appointments monthly. If car is repo 'd, it will devastating and put my brothers health at risk.
Product: Vehicle loan or lease

I have contacted Santander Consumer USA in request to try and work with my situation as I have been laid off and unable to pay my car loan. Matter of fact, this vehicle has BEEN SOLD to a dealership but as they have failed to payoff the loan, I have been making sure the loan is still getting paid. After I have expressed to Santander that I have lost my job and need assistance ; more than just a month or two extension, they have refused to help. I have even submitted multiple investigation requests in investigating the dealership this was sold to and they have done nothing about this and denied my claim every single time. 
AT THIS POINT, THIS LOAN NEEDS TO BE WRITTEN OFF AND ME TAKEN OFF THE ACCOUNT. THIS CAR DOES NOT BELONG TO ME ANYMORE. I DO NOT POSSESS THIS VEHICLE ANYMORE.