23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I had a Best Buy CC since XXXX/XXXX/XXXX but destroyed the card. I purchased a TV for my daughter around XX/XX/XXXX. /XX/XX/XXXX on the phone and used the account by them looking it up. I was paying on the account monthly. I was being stalked at the time and had moved several times. I had a brief relationship with a man until I realized he was not safe. On XX/XX/XXXX while my daughter and I were out for holiday he broke into my home, hiding behind the bedroom door he attached me with a phone cord trying to strangle me. It took XXXX police officers to pull him off of me. I suffered a XXXX, XXXX and XXXX, I lost my job and it took months to recover. I maintained the account paying a minimum balance. Just before moving to XXXX for our safety I realized a laptop had been purchased on the account. Not changing my address through the XXXX XXXX, I month after month contacted B.B. directly to change my address, given their C.S. reps. my inform, yet it never changed. Each time I called I would ask them to verify the new address and give it again. In the 5th month of calling, I asked to speak with manager and was told by him it was " a courtesy to receive a statement '', I said they were incompetent. After the assault I moved from the address they had on file. B. B. raised my minimum pay. and I did n't know that with out receiving the statements so it was sent to collections. In moving back to XXXX. after the man was in jail, I spoke with collections, wrote out everything sending documentation. I know the man that tried to kill me purchased the laptop on my account. I received a letter from B.B. stating I won my case, they would remove the purchase, all fees and penalties and repair my credit in 3 months. I heard nothing from them again for months until recently when called by another collection agency. I was told they sold it to them and now want me to press charges against the man for identity theft ; I refused. He will soon be released and when he does I will not run for my life again over a {$650.00}. laptop. How can this be? The letter states that after investigation they removed disputed charges and any related fees and interest. I am uploading the document sent on XX/XX/XXXX. I have spent two years recouping from this ordeal and they have added undue stress to my life and ruined my credit. Please I need your help.
Product: Debt collection

I contacted this company via phone call to inquire as to why they are reporting a false debt to my XXXX and XXXX accounts. As per conversation I asked if they can provide an original purchase agreement that includes my signature, social security number, and an updated address to ensure who the debt belongs to. They were unable to provide this information to me thus proving the invalidity of this account. It is illegal to report a false account on such platforms. Failure to provide information on a legal bidding contract is against the law. LVNV does not have a purchase agreement that legally binds me to the debt, establishing the invalidity of this debt.
Product: Vehicle loan or lease

Dear Sir/Madam, I am writing to file a complaint against Westlake Financial Services for their failure to provide me with a lien release letter for my auto loan. Despite paying off my auto loan in 2017, I never received a release letter from Westlake. When I contacted them at the time, they were unable to provide one. Unfortunately, this oversight has now come back to haunt me as I recently attempted to transfer my car title and discovered that Westlake had not released their lien on the vehicle. 

Despite numerous attempts to contact their customer service and title department, I have been unable to obtain the necessary lien release letter. 

This has caused me significant inconvenience and frustration, as I am unable to complete the necessary title transfer for my vehicle. I believe that Westlake 's failure to provide me with the lien release letter is a violation of my consumer rights and has caused me undue stress and financial burden. 

I request that Westlake provide me with the lien release letter as soon as possible so that I can complete the title transfer process. 

Thank you for your attention to this matter. 

Sincerely,
Product: Debt collection

There in breach of 15 U.S code 1635, 15 Usc 1692g and 15 us 6802. 609 law. I was apart of XXXX data breach this is my statement of information that these accounts and addresses were done fraudulently. they have been reported without my express written consent. and therefore is identity theft and must be removed.

These account transactions are not done be me or made by me the consumer and must be removed. i have pervided a police report also. 
Accounts 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
Product: Debt collection

I am writing to formally dispute the accuracy of an account listed by XXXX XXXX on my credit report. The account in question is identified as [ XXXX ]. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2, I request that you investigate and verify the details of this account, as I believe the information is inaccurate. 

I have reviewed my credit report and have identified the following issues with the account : [ Briefly outline the dispute, e.g., wrong amount, unauthorized charge, account opened without consent, etc. ] In accordance with the Fair Credit Reporting Act, I request that you verify the accuracy of the information or remove this account from my credit file if it can not be validated. Please provide me with the results of your investigation within 30 days. 

I appreciate your prompt attention to this matter.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX charged my credit card {$150.00} as a wire transfer which was not authorized. Capital one refuses to reverse these charges as a wire transfer when the purchase was a credit transaction. No signs posted or notified by XXXX that any transactions will be considered wire transfers. Now I am being charged monthly interest charges by capital one for this. Capital One offered to credit one months interest charge but I would continue to collect interest charges until the balance of my account is paid.
Product: Debt collection

Hello I'm bringing this to your attention the credit bureau Equifax is in violation of the consumer protection act this company is the only company that reports fraudulent information on my report out of the three Bureau I have repeatedly asked this company to remove these frogger management information off of work and it has consistency refuse to do that song and demanding that this company removed those information as false reported advanced Bureau of collections in XXXX Georgia account is open XX/XX/XXXX for {$58.00} this account is fraudulent I see system for XXXX open XX/XX/XXXX that is approximately account these account needs to be removed off my credit report immediately
Product: Money transfer, virtual currency, or money service

My account in XXXX has been restricted for no apparent reason. I have try and reach out for the support team, did what they ask multiple times but to no valid. They are holding my money and wouldnt let me withdraw. I would like to get my fund withdrawn
Product: Debt collection

I noticed a collection on my report that was disputed through XXXX and XXXX. When I asked TrueAccord to provide me with validation to an updated address and copy of my signature given TrueAccord access to my personal information. I received an email instead of mail and have been receiving text messages, emails and phone calls of this debt that has no validation form sent to my address. I have asked them to stop contacting me because I have no knowledge of the account and I closed the account with original creditor months prior to the alleged date debt is due.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute recent fraudulent activity associated with my credit report. VW CREDIT INC and XXXX XXXX is reporting to the credit bureaus I have an account with them and. I do not or ever have. I have reason to believe that fraudulent verification of debt has occurred without any contractual basis or sufficient evidence. 
Upon reviewing the documentation AND the information from representatives of both parties, it has become apparent that the verification process was not conducted properly & solely through audio recordings, with no accompanying contract or agreement. This raises significant concerns regarding the legitimacy and legality of the verification process. 
As a responsible customer, I have always maintained clear and transparent communication regarding my financial obligations. However, the absence of a formal contract or agreement undermines the integrity of this process and casts doubt on the validity of the verification. 
Furthermore, relying solely on things like audio recordings for debt verification lacks transparency and fails to provide adequate evidence to support the process. Without a written agreement outlining the terms and conditions of the debt verification ( WHICH CAN ALSO BE FABRICATED ), I can not accept the validity of this process. 
I kindly request that both VW CREDIT INC and XXXX XXXX ( XXXX ) BE REMOVED OR provide me with the following information to address this matter : A copy of the original contract FROM THE DEALERSHIP THIS LOAN WAS ESTABLISHED FROM. 
Any documentation supporting the use of audio recordings as a valid method of debt verification. 
Clarification on how the verification process was conducted and how it complies with relevant regulations and legal standards.
Product: Debt collection

I called IQ to discuss my debt first at the beginning of the month. Asked for the legally required documents and was told that I had to verbally guarantee that I was going to pay. I disconnected, and was called and by IQ and was told that the rep had to get his manager to send me a list of itemized prices. And I was told that I had to verbally guarantee I was going to pay. I declined it and demanded that they sent it, and then was threatened with the next step of the collections process. I responded with filing a CFPB complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditors are in direct violation of 15 U.S. Code 1666b & section 1637 ( b ) because they I was never mailed or delivered 21 days before any due date the information regarding the due date of my payments before they added late payments to my credit report. They need to remove these late payments or I will pursue arbitration for violating federal consumer laws. Law states no creditor may treat a payment late unless they send a mailed or deliver information required by section 1637 ( b ) 12 ) Requirements relating to late payment deadlines and penalties.

( A ) Late payment deadline required to be disclosed.

In the case of a credit card account under an open end consumer credit plan under which a late fee or charge may be imposed due to the failure of the obligor to make payment on or before the due date for such payment, the periodic statement required under subsection ( b ) with respect to the account shall include, in a conspicuous location on the billing statement, the date on which the payment is due or, if different, the date on which a late payment fee will be charged, together with the amount of the fee or charge to be imposed if payment is made after that date.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX ALL LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX ALL LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL LATE PAYMENTS XXXX
Product: Credit card or prepaid card

I was made aware of a sign up bonus of XXXX for {$3000.00} so I purchased a XXXX XXXX. I never got said bonus. I tried to get help via their in chat help service and was told I spent {$3900.00} but my promotion was for {$4000.00} and XXXX points.Two Supervisors did not resolve the matter. I was then told on the phone with a love person my promotion was actually {$4000.00} and XXXX points but that I only spent {$3500.00} and I couldnt speak to a supervisor because I had already spoken to 3 ( I only spoke to two, in a chat room ) supervisors. I then notified them I would be filing complaints and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX   XXXX  XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX   XXXX XXXX ) XXXX , XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX   XXXX  XXXX  ) XXXX ,
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Checking or savings account

I submitted a complaint already ( XXXX ). That was upheld and they credited one fee back to my account. There is another fee outstanding. I contacted chat again and they again gave the incorrect info I was already given that auto save wasnt set up and that they cant reimburse me. So now Im making another complaint
Product: Money transfer, virtual currency, or money service

I transferred XXXX Litecoin ( worth aprox. USD {$38000.00} as of today XX/XX/XXXX ). I did this transference on XX/XX/XXXX from Exchange company Coinbase.com to another Exchange company and the money is still stuck in " Pending transaction ''. It 's been 9 days without having access to my money. They promise that transactions may take as long as 24 hours but it has been 9 days already. This is inadmissible. I contacted them and asked if at least they could cancel the transference and they told me they ca n't which is a lie. Other Exchange companies even provide a cancel button for the user to cancel transactions like this as long as they have n't come through yet. My transaction is stuck in " pending '' with zero conformations, which means it has never left Coinbase yet, however, they refuse to give me back my XXXX Litecoin.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is XXXX XXXXo rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Product: Student loan

I was trying to call and get my loan switched to a more affordable monthly payment extended plan. The first time I called it said the wait time was XXXX minutes to get through. Considering that I filled out a form online which I thought would get my information through. It was very confusing. I never heard anything back so I tried to call again in a few days. This was at the end of XXXX. I got through. I worked with an associate and she assured me my payment plan would be switched to an extended plan with a lower payment and I could expect to see an email in around XXXX business days announcing the change and see it reflected in my online account. I waited the allotted time and did not see any change. I called back and talked to another associate at EdFinancial and she told me my account did not reflect any such change being implemented and that I had agreed to pay the amount as-is, which is false. I asked if we could put in another request to get it changed. She said yes and assured me again about the 21 business-day processing time. I waited a good amount of time again and did not see a change or an email response. I then requested to speak to a manager. The manager eventually called me back. She assured me it was being processed but that they were behind and the wait time was more like XXXX business days. Well, it is still not done and it has been longer than that. I again called and talked to another associate, who assured me before my next payment due date that it should definitely be changed. Still nothing. So I paid the amount I was promised I would be paying once switched as I can't afford the current payment amount. I did pay the full amount the first month of payment but I can not continue doing so. Now it reflects that I am behind on my payments. My wife has a similar amount of student debt and goes through XXXX. They changed her to an extended plan in XXXX day, XXXX day. Why has my saga been going on for XXXX months? How hard is it to switch my plan if another servicer can do it on the same day? Will they ever switch it? I am about to refinance the loan with a bank so I can get someone handling it that I can trust. I have no faith EdFinancial is going to do anything they are telling they will do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatly disputed the validity of a bankruptcy that is showing on my credit file. I have made several attempts to work this issue out with the credit bureaus and each time they are telling me that this bankruptcy belongs to me. I have been a victim of id theft my information is showing on the dark web. I have been working so hard to have inaccurate information removed and the credit bureaus are giving me a hard time. I have not filled bankruptcy and this should not be reported on my credit profile. I would like this removed STAT so I can move on with my life. Secondly if this bankruptcy belongs to me per cdia a minimum of consumer personal identifiying information such as ( name address ss ) has to show on the document and it does not so I am asking again that this item be removed from my profile. I have attached a copy of my ftc report the company requested my id so I have it attached
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, per a court order, I have been paying on two accounts from Barclay Bank Delaware to XXXX XXXX, Attorneys at Law. I have not missed a payment, and account ending with XXXX is almost paid off. On all of my credit reports, the two Barclay Bank Delaware accounts show " Charged Off. '' Both accounts are current, and I have tried calling XXXX and each of the reporting bureaus to get their reporting on my credit updated, but have had no luck. I have filed several appeals to each of the credit bureaus, and their lackluster investigations always favors Barclay Bank Delaware. I have contacted XXXX XXXX as early as today, XX/XX/XXXX, and they informed me that they collect the money, and that reporting on the bureaus is up to Barclays Bank Delaware. Since the beginning of this, Barclays Bank Delaware has not been reporting to the credit bureaus accurately, and even now, with almost one of the accounts fully paid off, I still can not get them, or the bureaus, to report these accounts accurately. With the exception of obtaining an attorney, I have exhausted all measures to rectify this situation, and now request your assistance in order to get my credit report updated with the correct and accurate information. 
XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Mortgage

I am very unhappy with m and t. I was first told by them i was recieving a partial claim to only be ran around by them and than told they made a mistake. So i was basically forced into a modifacrion which made my mortgage jump over XXXX dollars. Than to take the kicker my papers did not have to be signed until the XXXX of the month but yet the payment was supose to be in before the documentation. Just how excately does that work. My hand was forced being that my XXXX  son just had a XXXX XXXX and We had no where to go.. instead of being affordable it is crazey.. Thank you for your time.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sent from my XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I PAID MY LOAN DOWN TO XXXX SO I CAN PURCHASE MY NEW HOME ON XXXX. XXXX I NEED YOU TO DATE THIS BEFORE XXXX SO I CAN BY MY HOUSE ON XXXX. MY MORTAGAGE COMPANY NEEDS ALL THREE CREDIT REPORTS TO BE UPDATED IMMEDIATELY WITH MY NEW BALANCE THIS AN REQUIREMENT FOR THE XXXX AT THE MORTAGAGE COMPANY. I AM HAVING A SEVERE HARDSHIP AND I NEED XXXX TO PLEASE HAVE MERCY ON ME AND MY CHILDREN AND UPDATE MY XXXX CREDIT REPORT, XXXX CREDIT REPORT, AND XXXX SO ME AND MY XXXX CHILDREN DON'T BE HOMELESS. MY MOVE DATE OUT OF MY APARTMENT IS NEXT FRIDAY XXXX AND I AM SUPPSE TO PURCHASE MY NEW HOME AND I NEED THE XXXX CREDIT REPORTS UPDATED SO I CAN MOVE. A REPERSENTATIVE AT XXXX XXXX COMPANY TO ME TO GO STAY IN A SHELTER ON XXXX AND REFUSED TO GET A SUPERVISOR ON THE PHONE SO I CAN ASK FOR EMERGENCY HELP SO I CAN BUY MY HOME. I NEED MY CREDIT REPORTS FIXED THAT IS ALL I AM RESPECTFULLY ASKING. HELP HELP!!!
Product: Credit reporting or other personal consumer reports

I received a notice that my credit was being run, I never gave permission for them to do so nor did I apply for a credit card with them. They should not have inquired without my permission. 
This is the information below that I was notified on : XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX - Complete Dept. Stores No contact information has been reported by this creditor.
Product: Credit reporting or other personal consumer reports

My personal information was exposed in the data breach. I want my credit report cleared according to the law because of this breach. Then youre going to send me {$17.00} for my troubles. Unacceptable.