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

I contracted a company. To build a screen room on my home. The company used synchrony bank as the finance company. On XX/XX/year> signed for a promo XXXX % APR on an amount of {$12000.00} for a 110 payments/ or until paid off they finance company synchrony bank intentionally engaged in a deceptive agreement and has charged me 26.99 % APR on the fix loan amount. 
And company has failed to provide original loan documents digitally or in paper format Which would reflect the agreement.
Product: Credit reporting or other personal consumer reports

I don't care about these inquiry and I didn't approve of them. I demand that they be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there a inquires on my credit report that I did not authorize. I have never applied to these companies and have not given verbal or written authorization for anyone to review my credit report. I have completed a police report & identity theft report and I want these things deleted. I notified Transunion about this months ago and they have not done anything at all. I am attaching the documents in hopes that you can help me get these things gone from my report.
Product: Bank account or service

1. I have a 84 month CD with USAA - terms ended in XX/XX/XXXX 2. I called USAA on XX/XX/XXXX and requested the following - a. a copy of the XXXX XXXX from XX/XX/XXXX, and to roll my CD into a Savings Account until I decide what to do with the Money. The Representative XXXX said that this will take place, I requested to mail my XXXX and what ever else I need to do for this transaction to take place - call ended 3. On XX/XX/XXXX I called USAA back to see why I still have not received my XXXX, I spoke to XXXX first that informed me that it was not sent, and that the CD has now rolled over to another 84 month term. I said it was a mistake that it should have been rolled into a Savings Account, XXXX transferred me to XXXX. XXXX explained to me that I would have needed to fill out more information to open a Savings Account, I told him that this was never discussed with me. He researched the original call and said that the call was disconnected. I mentioned that I did not think it was disconnected as I was told from XXXX that he would take care of everything. I proceeded to file a complaint for a resolution. XXXX established an official complaint and said that they will order the transcript of the phone call. 
XX/XX/XXXX XXXX from USAA called me, said she is working on my complaint. 
XX/XX/XXXX XXXX called me said they reviewed the call - told me that the original request for my XXXX and the request for the CD to roll over into a Savings Account was made by me, but the call got disconnected ) MY COMPLAINT : 1. If the call was disconnected ( why did USAA not call me back? ) They do have information on the call where I requested to transfer my CD into a Savings Account and a copy of my XXXX. In my opinion they did not help me as a customer to complete my request. They let my CD roll over for another 84 month at a 1.01 % interest Rate. This was also not communicated to me in any way. 
2. I requested a copy of the transcript of the call, which was denied to me
Product: Vehicle loan or lease

On XX/XX/2020 I was scammed out of more than {$2500.00} at XXXX of XXXX XXXX, a XXXX XXXX XXXX XXXX. I was sold a car care accessory and extended service contract under false pretenses. I tried to cancel both and was told they would, they didnt. When I went back in they tried to change terms of finance agreement, I would only sign if they took of the products I was duped into signing for. I resigned a total of 3 finance agreements. I spoke with General Manager of Dealership on XXXX XXXX and he took money off the price of the car as a compensation for my time and frustration, then today, XX/XX/2020. I get my first correspondence from my auto loan company with a different amount a higher amount and different payment and amount.
Product: Checking or savings account

I started the claims on XX/XX/2018 for two unauthorized withdrawals from my account worth {$900.00} from my checking account and {$1900.00} from my savings account via a bank of america branch in XXXX  ( I live in XXXX XXXX due to school and was nowhere near XXXX at this time ). 

They told me it would take 60 business days to resolve but was recently told they can not extend past 10 unless they give me provisional credit due to regulation E. Well, their customer service lied to me and they never game me funds. It has been already been 30 business days and they still refuse to give me my funds and there has been no updates to my claim ever since I started it. Bank of America is having their customer service lie to their customers so they can take their time and refuse to give funds.
Product: Student loan

I recently went into my account to try and figure out why my balance is still so high after paying on this loan for 17 years. I see the initial balance at {$6500.00} on XX/XX/XXXX. On XX/XX/XXXX, it appears that I consolidated my loans with an ending balance of {$7100.00}. The history from XX/XX/XXXX thru XX/XX/XXXX is missing ( which I requested from AES, but never received ). My loan was transferred to AES on XX/XX/XXXX and now showing a balance of {$9900.00}. I did not take out any additional student loans at this time and do not understand how the balance increased by {$2700.00}. I 'm also certain that I made payments during this time, so this could n't be from accrued interest due to forbearance, but I have no way to confirm this since the history is missing. Going into the history details, it shows that I had an Unsub loan with an original balance of {$11000.00} with XXXX and a Sub loan with an original balance of {$2100.00}. This is obviously incorrect as you can see from the attached that my original total balance with XXXX was {$6500.00}, NOT {$13000.00}. Additional payment summary information shows that I 've paid a total of {$14000.00} in principal over the life of this loan. I was able to get a copy of my billing summary from XXXX along with my transcript that will show that I never took out student loans resulting in {$13000.00} in debt. I appreciate any assistance you can provide in helping me straighten this out.
Product: Debt collection

Midland credit contacted me at my current employer and I have asked them not to. They have since contacted me
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses to remove duplicate account from XXXX financial. Received correspondence from XXXX that the account was removed but both still showing on file. This account from XXXX XXXX was included in bankruptcy. However, they can start by removing duplicate account and they refuse. Can you please assist!
Product: Debt collection

XX/XX/XXXX This complaint is with Barclays XXXX credit card. 
On XX/XX/XXXX, I was talked into purchasing a vacation club through XXXX XXXX in XXXX XXXX XXXX. What they sold me were several items that I found to be untrue after I received my club login a month later. The contract does state that its non-cancellable but I did not receive what they sold me. 
XXXX asked for my permission to run my credit so they could preapprove me for their in-house financing. I later found out that it was not in-house financing. It was an application to a Barclays XXXX credit card ( which has caused my credit score to decrease ). 
When I realized that I was not going to receive the items XXXX  ( XXXX XXXX  ) sold me, I disputed the {$3900.00} charge with Barclays XXXX. This was on XX/XX/XXXX. It took Barclays over FIVE MONTHS to update me with a dispute status. Attached is a copy of their response. Barclays claims that I indicated that I wanted to work with the merchant. This could not be further from the truth. I had told Barclays that I did try to work with the merchant BEFORE I disputed the charge and XXXX would not budge. Barclays was unable to tell me when or to who I supposedly told this to. She said it was an error and that I had to send all documentation back in to re-open the dispute. I confirmed today that they received my documents a week ago but it was still sitting on their desk and has not been reopened yet. The rep said he would escalate. At this point, I have no confidence that they will actually follow through. 
Arent there laws in place that only allow a specific time period for the merchant to respond to a dispute and if they dont then the credit card company is supposed to charge back to the merchant?? 
Evidently, Barclays XXXX has a direct relationship with XXXX to quietly open credit cards. 
I just want my {$3900.00} refunded. XXXX and XXXX can work out the details between them. 
My Barclays acct number is XXXX XXXX XXXX XXXX. XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I was approved for a 100 % discount on my XXXX hospital account ( s ). This approval was based on the 6 months long processing of my application after I submitted all required information, all of which was factual and accurate. 

On XX/XX/XXXX XXXX demanded that I begin the financial assistance program anew, thereby voiding my previously approved 100 % discount despite not having any legal justification to demand such since I already provided complete and accurate information upon which the 100 % discount was based. 

On XX/XX/XXXX State Collection Services , inc. claimed that I have unpaid debt owed to XXXX XXXX XXXX XXXX XXXX XXXX. I promptly disputed this false claim. 

On XX/XX/XXXX State Collection Services , inc. acknowledged my dispute and attempted to validate a debt which I don't owe. As they will place said debt on my credit profile I'm forced to take action to remedy this grievous error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im in direct violation of th fair credit report actXXXX XXXX XXXX  c/o XXXX  XXXX XXXX XXXX XXXX, capital one and capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated several of my rights.

15 U.S-C 1631 section 602A.clearly states that I have the right to privacy.

15 U.S.C 1631 section 604 A. section 2 ; it also state a consumer reporting agency can not furnish an account. without my written instructions.

15 U.S.C 1666/A creditor may not treat a payments on a credit card account under a open ; end consumer credit plan as late for any purpose.

Please the late payment and update this account remove immediately as they are in a direct violation of several laws under the fair credit report act/
Product: Credit card or prepaid card

There is a credit card company that offers many financial products called Self INC. I have been using their credit card for XXXX years building credit. I noticed around XXXX some company named XXXX charging my card a huge amount of money over XXXX dollars a month. I notified Self to send me a new card immediately and to change my card number back in XXXX. They did send me a new card and number but refused to follow up with investigation. I noticed this fraud company had access to my new card information ( which I have no clue how ) and charged me in XXXX. I Immediately let Self know through their email portal and to send me a new card. XXXX XXXX was the same this company charged me again. Self is refusing to investigate fraud, and I believe someone at that corporation is giving my information illegally to fraud companies to do random charges. So far I am at a lose up to XXXX dollars that might never be returned. I had a lot of trust in Self but they have refused to fix the issue or help in the matter. I want this account closed immediately and they should have done so long ago. Since this account is a Secured account I am at a lose. Self also failed to launch an investigation nor did they follow up with the decision. I have lost my trust and faith in this company and believe they are also predatory by how they do not keep consumers safe from fraud.
Product: Credit reporting or other personal consumer reports

In disdain of multiple previous written requests, the incorrect accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to correct or remove the accounts.This is my several request to the three Credit Bureaus abut yet it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular accounts position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please correct or remove these accounts which are inaccurate from my personal credit file : XXXX XXXX Balance Owed : {$23000.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX XXXX Balance Owed : {$19000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2400.00} - XXXX believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : DISCOVER FIN SVCS LLC  XXXX Date Opened:XXXX  Balance : {$29.00}
Product: Mortgage

I have received a notice of foreclosure from Plaza Home Mortgage. 

In XXXX, I purchased a home through XXXX XXXX to whom I made XXXX 's payment ; after XXXX month, the loan was sold to Plaza Home Mortgage. I made XXXX 's payment to Plaza Home Mortgage. I received a letter letting me know that the mortgage had been sold again to XXXX XXXX  with payments being made to them for the XXXX mortgage. 

I received a statement for the XXXX billing from Plaza ; I called Plaza and let them know that the mortgage had been sold to XXXX ; I was told that this would be resolved. I received a statement for the XXXX billing, and again I called Plaza. Once again, I was informed that this would be resolved. I received a statement for the XXXX billing, and as in prior months, I called Plaza. I was told specifically by the collections representative to whom I spoke that she had " opened a ticket to get this resolved '' and she assured me that by opening this ticket, the situation would be resolved, and I would not get any further statements. I guess, since I received a collections notice for XXXX  months mortgage, along with a foreclosure notice, that this was also not correct. 

I have attached XXXX documents : 1. The XXXX bill received from Plaza, which shows that the loan was paid in full on XX/XX/2021 2. A copy of the foreclosure notice. 
XXXX. A statement of all transactions made to XXXX- which also shows that payment that XXXX made to Plaza Home Mortgage. 

As you can see from the XXXX document, all payments have been made on time ( and in most cases early ) to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had weak security and my information was gathered in the hack.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX ( Original Creditor : ) XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$600.00}
Product: Credit reporting or other personal consumer reports

On XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Debt collection

Company is reporting an unverified account to the cras as a charged off with a payment status of past due {$230.00} which is illegal. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Debt collection

On around XX/XX/XXXXMy Dad XXXX XXXX XXXX was approved for rental at XXXX XXXX XXXX in XXXX, California, because of his employment salary and wage earning potential was in prosperity for XXXX XXXXXXXX Approvals. XXXX XXXX XXXX made my Dad Principal on the lease contract because me and my sister XXXX XXXX were student in college and we was n't able to pay rent and take responseability of the high rent payment over {$2000.00} a month. Also my mom XXXX XXXX XXXX employment salary was insufficient as she was making a minimum wage salary. On CFPB portal message board, XXXX XXXX XXXX or Legal representative stated that they provide a debt validation around XXXX in which me XXXX, my sister XXXX and my Dad XXXX XXXX XXXX and Mom XXXX XXXX XXXX has never received. I am requesting a debt validation and lease contract with my handwritten official signatures of me XXXX, XXXX, XXXX and XXXX XXXX XXXX. If there is a signatures on XXXX XXXX XXXX, it should be our official handwriting signatures and not a computerize signatures because we did n't approve of hand signatures. If XXXX XXXX Management or Legal Representatives states that I agreed and family agreed that is a false accusations.I have the right and family have the rights to officially signed lease contract with our very own official handwritten signatures to protect us from Identity Theft and privacy issues. The Privacy Act of 1974,5 U.S.C & 552 a establishes a code of fair information practices that governs the collection, maintenance, use and dissemination of information about individuals that is maintained in systems of records by Federal Agencies. Other agencies and Private businesses must keep Consumers Personal Data protected under the Privacy Act. I am requesting respectfully a Federal Investigations against La XXXX XXXX in XXXX, California and their legal representations.
Product: Vehicle loan or lease

Purchase a vehicle from carvana on XXXX, delivery and financing were completed with out problem. Fast foward 2 months and never received the new registration for the vehicle. Contact carvana say its okay they will process the registration before the temporary plate expires. I call carvana again a few days before the temporary plate expires and they claim they do not have the title for the car, that is why they have not registered it yet. Carvana then states it will be completed before the expiration of the temporary plate which is XXXX. Call carvana the day the plate expired they magically have the title and say the paperwork will be completed soon, leaving me a vehicle i can no longer drive. Offering no reimbursement at that time. Carvana claims paperwork was submitted on XXXX and offering to refund a months pay for {$280.00}, since im required to take taxi 's to and from work because i can not drive my vehicle due to their negligence. This amount only covers 5 days worth of taxis. On XXXX carvana contacts me saying the new registration is on its way via fedex and will require a signature to deliver. I request a tracking number so i can have someone be able to sign for this package. Carvana customer service claims they can not provide a tracking number. They will no longer respond to calls or chats on there website. It has been 3 weeks since i have been able to drive a vehicle i am paying for with no information as to when or if they actually have registered the vehicle.