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

In the drop-down selection they did not have the reason why I'm filing the complaint, so I chose whatever was closer to it. In XXXX my father passed away unexpectedly from a XXXX XXXX, and I had to take out a XXXX loan from One Main Financial. They took my XXXX XXXX car title as collateral and approved me for the XXXX loan. The lady who helped me that day went over my loan and my automated payment amounts and I agreed to what she explained to me. The automatic payments started coming out of my bank account in XX/XX/XXXX of XXXX, the amount was larger than I remember the lady telling me it was, but I thought since it had been months that they didn't take any payments they must have doubled the payments up. In XXXX of either XXXX or XXXX ( I cant recall now, and they will not provide me with the paperwork I have requested so I'm not sure ). I received a call from One Main Financial and they offered to refinance my loan. I was struggling financially and had tested positive for XXXX at the time and was staying home from work without pay. so, I agreed based on the information that was originally provided to me back in XX/XX/XXXX. I decided to check the paperwork that was given to me in XXXX of XXXX a couple of weeks ago because my loan doesn't seem to get any smaller. I still owe them XXXX, it has gone down by only a XXXX XXXXXXXX dollars. That is when I noticed they gave me 2 different people 's paperwork in XXXX and none of the paperwork seems to be mine, neither the loan agreement nor the automatic withdrawal form is under my name. I contacted them and asked them to mail me my original loan agreement documents from XX/XX/XXXX and they said they would, but I never received them
Product: Debt collection

As a young lady I was never educated about my credit or even checking my credit. Now that I am older and want to purchase a home I Started educating myself more about my credit and Started to look at my credit more. I realized that my identity was used, which I do not understand how people or a person was able to open accounts in my name,
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 : US DEPT ED Account XXXX Account Name : XXXX Account NumberXXXX 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: Vehicle loan or lease

I applied for a car loan XX/XX/XXXX, with XXXX XXXX XXXX. The car is a XXXX XXXX XXXX model that came with the factory warranty on the used vehicle. The original term of the loan was approved with a co. applicant, XX/XX/XXXX, and the interest was 16.25 %. I was told to sign my documents on XX/XX/XXXX and the Co. applicant could come back. I informed XXXX XXXX XXXX the co. applicant was just released from the hospital and could not come in right away. The co. applicant is an elderly woman who came back to sign her portion of the forms XX/XX/XXXX days after I signed my approved documentation on XX/XX/XXXX. Once the co. applicant signed her documents the terms changed without my consent and knowledge. XXXX XXXX and Capital One has altered the original approved documents and has made the interest rate and payments so high to afford. This is against the law and needs to be corrected. The finance officers at XXXX XXXX XXXX should not have forged or altered any documents without making me aware. I feel I was Scammed and made a target, because I am XXXX American, along with taking advantage of my elderly mother-in-law. I tried refinancing the vehicle on XX/XX/XXXX that's when I was made aware of the terms and added services the finance officers changed without my knowledge.
Product: Debt collection

Called and left a message saying that " serious allegations '' were being filed against me in XXXX XXXX in which I used to live. They continue to leave harrassing messages using different numbers frequently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid {$800.00} towards my credit card Express XXXX on the last week of XX/XX/2022 but I noticed it wasnt reflected in my Credit Score up to this present time. It was been almost two months now. I paid all my credit cards and some of my payments registered right away after my payments has been made. And most of them registered to my credit score after couple of weeks. This Express Company doesnt do the same. Its now XXXX! When are they planning to report my payment to the credit bureau? I never missed any payments! Whenever I tried contacting them they will always put me on a long wait and you cant even get a hold of a real person. Its always their computer doing all the talking. Please XXXX help me wirh my Express Credit Card account to update my payment so I could get a better and higher credit score to buy a home Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt has been re-aged, which is a serious offense under FCRA 623. The original date of delinquency was in XXXX. However, not only is the original date of delinquency in a XX/XX/XXXX credit report showing a delinquency date of XX/XX/XXXX, the original date of delinquency was re-aged and updated to reflect XX/XX/XXXX. This has caused a serious strain on my credit, and all past disputes regarding this serious matter have not been taken seriously. I am one step away from now filing legal action for this offense unless this is immediately resolved. I am requesting that this entire tradeline be deleted from my XXXX credit report as it was illegally re-aged, thus holding down my XXXX score and incorrectly reflecting my creditworthiness and therefore hampering my efforts to receive credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

SELF FINANCIAL, XXXX XXXX  AND XXXX XXXXXXXX XXXX  are stating that I do not have the right to opt out when in fact XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' SELF FINANCIAL, XXXX XXXX  AND XXXX XXXXXXXX XXXX are a financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " SELF FINANCIAL, XXXX XXXX  AND XXXXXXXX XXXX XXXX are a financial institutions and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX from SELF FINANCIAL, XXXXXXXX XXXX  AND XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked in reporting late payments under 15 USC 1666AAND 15 USC 1666B as it states " '' a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor. '' Lastly, SELF FINANCIAL, XXXXXXXX XXXX  AND XXXX XXXX XXXX need to thoroughly look up each and every one of these laws and understand these have been in place for much longer than the FCRA. The USC backs the CFR which the President has signed for to put in place. The USC is to enforce the CFR. 


Previous letters were sent as well with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my credit report that I did not authorize. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries are fraudulent
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX According to FCRA 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. This account is inaccurate information on my credit report that needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMENITYCAPITAL/MYCASH. Date open XX/XX/2022 Some one tried to steal my identity in XX/XX/2022. I spoke to someone at this bank in XXXX and asked all action to be stopped. Community Capital still gave the forgerer credit! I do not owe this acct. I value my credit history and now it is lowering because of this! 

Here is report number with XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB - Please review this for all consumers who are disputing collection accounts on credit reports as this issue is systematic - and against FCRA This is my dispute. 

There are 2 accounts listed in my report, and across all CRA 's.

1. There is no Tradeline on my credit report, and from XXXX where an account number, or a balance matches what is being reported by The Bureaus 2. I do not believe these accounts are mine. 
3. Then, as a Debt Collector ( DC ), Account Numbers/Original Creditors information must be maintained ( Metro2 - K1 Segment ) and it is not 4. The Date if First Delinquency listed, is not/ can not be true/accurate and for both accounts is listed - and is against FCRA rules - and then is disputed The valid XXXX  XXXX ( as the original credit grantor ) tradelines, have a DOFD that is not close to what you have, and date you list is inaccurate and against FCRA Then, the Bureaus is reporting data on my report that is wholly inaccurate, incomplete and against FCRA Where these accounts exists - at a CRA XXXX, XXXX and XXXX the following, is occurring : The Bureaus, a Debt Collector, is knowingly sending data to CRA 's , as if they are a Credit Grantor and with data attributes that Metro2 specifies should not be sent when not a credit grantor.

Metro2 File Standards ( industry norm for acceptiXXXX data at the CRA XXXX is followed, XXXX XXXX are required to send data in their file to a CRA - Header ( Who is reporting, including ID or the data furnisher ) Trailer ( File counts of records sent/activity ) Base Segment - Consumer detail, tradeline info where limited attributes are expected to be sent ( values are not defaulted ) to a CRA XXXX Segment ( Original Creditor/Creditor Classification Code or Client Name/Client Type - Account Number ) ******Many fields are not expected to be sent - see attachment of Metro2 DC do not send, and The Bureaus is sending them.

The Metro2 file - does not default There are no terms, no contract with or pay history expected of and from you. 

No contract exists with a debt collector. 
The Original Creditor - should not, and is not expected to be in a historical info ( free form text field ) This tradeline - collection account, fails to even show up in the COLLECTION SECTION of raw data reports directly from the CRA - because, it is mimicking the data/file details of an XXXX  account. 


This account presents itself as if they are a lender. As if we have a contract, payments due every month, and i have been in a pay and balance history of collections Both accounts are inaccurate, please resolve them - or delete. 

This also serves as a DO NOT CONTACT request, and federal mandates.
Product: Money transfer, virtual currency, or money service

I attempted to perform two transfers from my XXXX checking account to an account that I have at Chase bank using the XXXX web site and their " XXXX '' transfer feature. The money did not arrive in my Chase bank account. XXXX confirmed that the transfer was completed and provided an ACH number for each transfer. But they could not verify the destination account number or routing number for the transfers to help me track it with Chase bank. And they said they were phasing out " XXXX ''. Chase bank said they could not find any record of the transfers being received in their accounts -- and I provided them with the ACH numbers from XXXX. I suspect that the destination account number or routing number was incorrectly entered by me on the web site, and I also had to provide an email address. XXXX clearly did not verify the target account name before completing the transfer. Chase bank accepted the funds without confirming the destination account. I have spent hours on the phone and in the office of both banks over the last few months. Both banks have performed investigations which seem to amount to the same info -- an ACH number and no confirmation of receipt of funds. Neither claims to be able to help me, and neither will talk to each other to coordinate an investigation. I have no way to tell which bank is not able to trace the ACH properly. Transfer # 1 - XX/XX/XXXX - {$1000.00} Transfer # 2 - XXXX/XXXX/XXXX - {$1000.00} Name on destination account, account number, ACH numbers, and XXXX transaction IDs furnished upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is discriminating against us as XXXX XXXX Americans and U.S. Veterans who previously had our loan transferred to them from XXXX XXXX   during a Loan Forebearance period which completed in XX/XX/2019. During XX/XX/2019, we were advised to send our Loan Modification Application paperwork in and received countless delays in them processing our loan, whereby, the Veterans Administration Home Loan dept had to get involved. We are now experiencing discrimination and retailiation from XXXX XXXX XXXX XXXX who utilized biased and discriminatory practices on whom they choose to report late payments on during the course of the Applicants Loan Modification Process. XXXX chose to biasely report our payments late during the loan modification and 3-mth trial period because we are XXXX XXXX Americans and U.S. Veterans who opposed their illegal business practices utilized against us during our Forbearance period which was approved by XXXX XXXX  and was supposed to be honored by XXXX XXXX XXXX XXXX. We raised these concerns to CFPB and the Veterans Administration. Hence, their has been retaliatory treatment by XXXX XXXX XXXX XXXX who is currently negatively impacting our Credit scores across all 3 Bueraus by at least 50 points which is now negatively impacting us with obtaining a VA IRRL with various lenders. 

XXXX is utilizing double-jeopoady tactics as well for investors to receive more monies with VA IRRL Loans, since they knew a customer would be negatively impacting, although they were being approved for a Loan Modification due to extenuating medical and financial circumstances we experienced when our daughter was XXXX  for 35 days including XXXX  for a XXXX  XXXX-XXXX  condition. They did not care about the customer in this instance, as much as they care about keeping Shareholders and Investors appeased due to pure GREED & Retaliatory Tactics applied in choosing to report against XXXX XXXX Americans who experienced an extenuating family medical and financial emergency, as opposed to other XXXX Americans. This is discriminatory and they are still doing the same thing during this pandemic epic COVID-19 occurring today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect accounts was still presenting in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX 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. The following accounts listed below are still reporting on my Credit Reports and need to be corrected in my file immediately : XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Okay TransUnion is showing several inaccurate accounts on my credit report. I have disputed the inaccuracies and TransUnion refuses to correct or delete this information. My rights are that they must be complete, accurate and verified. I have accounts that do not belong to me. There are addresses that do not belong to me. TransUnion still refuses to correct these issues. I am filing this complaint as just one-step in the process before initiating legal proceedings in a court of law. The accounts are : XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # : XXXX XXXX Account # XXXX XXXX Account # XXXX I have sent TransUnion the reasons on why these accounts are inaccurate . It is concerning that, the accounts were deleted from XXXX but TransUnion will not do a proper investigation to remove. I will also be filing complaints with the FTC and Attorney General before taking legal action in a court of law.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts 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 15 USC 1681 section 602A states I have the right to privacy. And according to 15 USC 1681eb they are suppose to ensure this whenever the consumer reporting agency prepares a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting a company I have never seen or had any interactions with called XXXX XXXX XXXX I previously had a fraud alert on my credit report and currently have a identity theft form and documentation on file as well as a police report. I never had an account with this company or any companies attached to them and this is negatively affecting my credit. I also have a XXXX XXXX account which has been paid and has not been updated. Also a XXXX XXXX which was paid and I currently have an account with them with the same account number yet it is still reporting negatively. There is also an account named XXXX XXXX, XXXX which I do not recognize and have never done any business with this company and never had an correspondence prior to this showing on my report.
Product: Debt collection

XX/XX/XXXX I stayed at XXXX 's of XXXX XXXX with a tradeshow. XX/XX/XXXX I received a phone call from Allied Collection Services of XXXX XXXX stating I owed {$160.00} to XXXX 's of XXXX XXXX. I told them that I did stay at Ballys ' and if they could tell me what the charges were for, I would pay them. The gentleman told me he would mail them to me but I never received anything. On XX/XX/XXXX I received another call from a different person ( XXXX ) from Allied Collection once again stating that I owed {$160.00}. I once again asked for documentation which they said they would mail to me. On XX/XX/XXXX I received a copy of my credit report in which the {$160.00} debt severely degraded my credit score putting a mortgage for a new house in great jeopardy. I called XXXX of XXXX XXXX but they only keep records for 90 days and could not tell me what my bill was for. I called Allied Collections and paid the bill even though I have no idea what it is for since I felt like I had no choice. Now I possibly will default on a new house offer and lose a {$10000.00} down. I paid the debt with interest and a credit card fee and feel like I have no recourses. I did n't even know I owed the money to Ballys and I 'm really not even sure if this is related to my stay. I had an XXXX credit rating and no debt before this event and now I 'll probably have to tell my kids that XXXX 's has taken the new house from us ... ..
Product: Debt collection

I received written notice from Creditors Bureau Associates ( CBA ) on XX/XX/XXXX regarding a medical debt owed to XXXX XXXX XXXX for services provided on XX/XX/XXXX in the amount of {$950.00}. CBA Acct # XXXX I have only received one bill from XXXX XXXX XXXX in XX/XX/XXXX, which showed an amount due of {$43.00}. The billed amount, {$43.00}, was paid via credit card on XX/XX/XXXX. I have never received any other notice from XXXX XXXX XXXX. 

I attempted to contact XXXX XXXX XXXX via phone today, calling the number on the XXXX invoice. I was told they are a third-party biller and that they no longer handle that medical practice. They gave me a new number to call, XXXX XXXX, which was not answered, and voice mail was full. 

I also attempted to contact Creditors Bureau Associates via phone without success. 

The amount CBA is attempting to collect, {$950.00}, is the exact amount of the XXXX XXXX Discount line item on the XXXX XXXX XXXX invoice. 

For your reference, I have attached a copy of the collections notice from Creditors Bureau Associates, the original invoice from XXXX XXXX XXXX, the credit card statement showing XXXX XXXX was paid {$43.00} on XX/XX/XXXX and the XXXX XXXX EOB showing the amount due.