23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX - XXXX XXXX XXXX XXXXXXXX opened an account which was financed by XXXX XXXX. The loan was for roughly {$14000.00}. About {$6000.00} was paid but the remaining {$9000.00} is owed. In XXXX the file went delinquent and to collections. They tried to reach me regarding this matter but had a false email address. I found out about this in XX/XX/XXXX and have been trying to resolve this since. XXXX XXXX is not able to find " my account. '' They sold the debt to XXXX XXXX and SPIRE Recovery Solutions. I have asked for the docs to be mailed to me so I can file a police report however they mention they have mailed it several times, none of which I ever received. I did not open this account and I am unsure how a used tire place will allow such a high loan to be taken out. I do not live near XXXX nor did I open this account. They did access my bank account and have some withdrawals which we disputed and they credited us our funds back. XXXX XXXX should have verified true identity and had better practices in place to ensure this didn't happen.
Product: Vehicle loan or lease

Westlake Portfolio Management has repossessed a vehicle that was awarded to my ex wife during our divorce. Case number is in the city of XXXX, Wisconsin XXXX. The judge awarded the vehicle to her and they refuse to accept the divorce decree and take my name off the loan. They are still saying I am primary because I signed the contract when we were married. Just want my name off the contract as directed by a judge of a legal court system of this country.
Product: Credit reporting or other personal consumer reports

The following inquiries are on my credit reports and I didn't give permission for my credit to be ran 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 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 card

I purchased through Care Credit a prepaid service for XXXX. I was invited in to review my height and weight, the person handling the observation, had no medical background. She determined i was a " candidate '' for the XXXX procedure which required pressure sales tactics. I finally agreed after being coerced, into contacting Care Credit, after I had mentioned I did n't have the money. They called a direct line where I was instructed to give my information, and they increased my limit with minimal review, in less than a minute. At this point I was on the hook for this service as it was charged to my card in the amount of {$2000.00}. The office is run by a XXXX who then will offer to include XXXX evaluations to help with the XXXX. What I was sold were liquids that were run through a magic light and brought to " life. '' The real secret is n't given until you pay the {$2000.00} and then you are told to be on a strict XXXX calorie diet. At this point, I had already spent {$100.00} non-refundable for my initial exam and the {$2000.00} for my Care Credit Card. I believe this is a scam and fraudulent and Care Credit should be partially responsible along with the XXXX XXXX office in XXXX, FL.
Product: Debt collection

On XX/XX/XXXX, I went to a Conns store in XXXX to purchase bedroom furniture and a mattress during the aftermath of Hurricane Harvey. After the purchase was made through a store credit, I asked the sales person would I be making once a month payments to my account. The sales person reassured me that it would be just one payment.  Every other week, money was being drafted from my bank account in addition to me paying Conns once a month. This activity was going on for two months and I did not receive email confirmation nor a letter by mail. I contacted the Conns store and no one could answer how and why this was occurring. I finally learned that two loans where taken out : one to  cover the mattress and the other to cover the dressers, night stand, and bed frame. I didnt agree to this nor was this stated to me at the Conns store. My bed furniture breaks and was not of good quality. XX/XX/XXXX, I fell into hard times and I was unable to pay the loan for the bedroom furniture. I fell on payments due to being XXXX XXXX XXXX   and I have been on bed rest. In XX/XX/XXXX, I stated this to the customer service representative and they insisted on taking money out my bank account. On yesterday, I explained to them I am not working and I am on bed rest due to the XXXX XXXX XXXX. I explained to the person about the phone call in XX/XX/XXXX and I requested to speak to a manager. The representative said she was a manager and called her manager for an extension approval for me. Then, the person demanded I pay {$200.00} after I told her I was not able to. I keep receiving several phone calls, text messages, and emails everyday. I keep receiving threats about collections and multiple negative reports to the credit bureau. I feel my concerns were not taken into serious consideration and I will be in the hospital soon. This situation is stressful.
Product: Checking or savings account

I have been restricted on my account without given a clear reason why. They tell me something different everytime and wont let me use my funds. Ive continuously tried their method and it continuously fails. Ive provided them with information only I could know and also used the telephone number they continuously make me pay for or they wont even discuss my issue. I work all across the United States as my bank account shows. Without access to my bank which receives my direct deposit Im left working and borrowing money from family. I honestly am so frustrated and confused I just dont even know what to do.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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, credit repair services, or other personal consumer reports

I subscribe to a credit monitoring service with Experian Credit Bureau. ( 1 ) They notified me that my credit score was lowered from XXXX to XXXX due to a {$75.00} balance on my XXXX XXXX XXXX  credit card and my balance on XXXX declining. The {$75.00} balance which is not delinquent is an annual charge that XXXX XXXX XXXX assesses every year. This has been the case for many years now. I use this account for travel only. Every month I pay off the XXXX Credit Card balance, usually before they calculate the payment which I have done for years now. I don't even recall when my credit score was not in the XXXX range. ( XXXX ) In XXXX I paid off my auto loan with XXXX XXXX XXXX XXXX months before the maturity date. Never late. I was notified by Experian after paying off the loan that was reported paid as agreed that my credit score descreased XXXX points from XXXX to XXXX. I have always paid my debt in a timely manner including mortgage loans, credit card accounts and auto loans. I am in my seventies so I don't need to secure additional credit for a home, autos or additional credit card debt. I do not think this is right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes thank you for listening. 
They are reporting inaccurate retail Installments. And showing incorrect date of contract XX/XX/XXXX they have XX/XX/XXXX Aggregate unpaid balance as XX/XX/XXXX {$25000.00} Then they had it as repo and sold it for {$9400.00} also have cost of repossession and storage fee of {$830.00} leaving a balance of {$16000.00} but the credit bureaus reporting CREDIT XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan - Bureau Code : Individual Individual Individual Account Status : Open Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$17000.00} {$17000.00} {$17000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$24000.00} {$24000.00} {$23000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$17000.00} {$17000.00} {$17000.00} Payment Status : Unknown Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Merchandise was taken back by credit grantor ; there may be a balance due. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Involuntary Repossession Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my son opened a XXXX XXXX credit card account and added me as an authorized user to help boost my score so that I can pursue the purchase of my first home. XXXX XXXX has reported this account on all 3 credit bureaus since it has been open and after more than 3 years, my score was finally where it needed to be to start the mortgage process. However, in XX/XX/XXXX, Transunion failed to report this account and stated that it was removed. My FICO score immediately dropped 46 points, leaving me with a score that no longer qualified for a mortgage. The first action I took was a call to XXXX  XXXX on XX/XX/XXXX to inquire about why my account was removed from Transunion ( it still shows on XXXX  and XXXX to this day ). No one had an answer for me, but the customer service rep was able to verify that I was still an authorized user on the account and that is was in good standing. She told me to contact Transunion to have them pull up the information they had sent for reporting. I then called Transunion as directed and they said to call XXXX XXXX back again and tell them to resend the information because they were not showing anything. Still, no one can tell me why it was removed in the first place and I can't dispute something that is missing. I called XXXX XXXX back and told them what Transunion told me and XXXX XXXX assured me that they have submitted my account information to them already and that it may take a few days after the statement closing date ( the XXXX of each month ) to appear. I gave it some time to see if that would happen. And of course, it did not. On XX/XX/XXXX I called XXXX XXXX back to inform them that it still has not been reported on Transunion. Again, they verified my account in good standing as an authorized user and assured me that they have submitted my account information to all 3 credit bureaus. Due to the lag time it takes the bureaus to update the information it should show up a few days after the XX/XX/XXXX statement closing date. As of XX/XX/XXXX it is still missing from Transunion, but currently reports on the other 2 bureaus. Documents and statements are being submitted with this complaint against Transunion to support my claim. I have worked diligently to improve my credit so that I can finally become a homeowner. But Transunion 's gross negligence of not reporting this vital information that has been furnished by XXXX XXXX on my behalf has prevented me from qualifying for a mortgage. Someone wrongfully removed my account and the devastating effects were immediate. I should not have to wait 45 - 90 days for it to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act, XXXX ( Acct # XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove this late payment and update this account immediately as you are in Direct violation of several laws under The Fair Credit Reporting Act.
Product: Student loan

In response to CFPB complaint XXXX, Executive Office Case XXXX XXXX XXXX XXXX states `` We would like to add that on XX/XX/XXXX we received returned mail and we suppressed statements for XX/XX/XXXX and XX/XX/XXXX. '' Under the Account details section XXXX XXXX XXXX makes clear that statement generation was somehow suppressed because of alleged returned mail and " statements were started again in XX/XX/XXXX after you confirmed address in XX/XX/XXXX. '' Multiple comlaints were filed between XXXX XX/XX/XXXX and XX/XX/XXXX through the CFPB portal and ALL were consistent with the address information. Moreover, the CRAs did not report a change in my address, and I continued to reside at the address through late XXXX. Finally, I have no recollection on specifically providing documentation that allegedly " confirmed '' my address because my address had not changed. That somehow a returned piece of mail would warrant cessation in statement generation, to not only withold paper statemens, but access to electronic statements is incohate. Moreover, it is a violation of 12 U.S. Code 5531 ( a ) which makes clear that WF  was to have provided this information to me in electronic format, accessible by me through electronic means. An aggrevating factor in this matter is that I am, and was at the time, a XXXX individual due both to a chronic illness and long-COVID. Under the ADA access to electronic statements would be considered a reasonable acommodation, and claims of WF of " we didnt know about your XXXX '' are moot because they must allow consumers to retrieve information regarding their accounts in electronic format that is accessible by a consumer.
Product: Money transfer, virtual currency, or money service

XX/XX/24 XXXXXXXX XXXX  : I initiated an instant transfer from my Venmo account for {$470.00}. The transaction ID at Venmo is XXXX. 

XX/XX/24 XXXXXXXX XXXX : I contacted Venmo through the chat support function in the app. Venmo support looked at the problem and blamed my bank. 

Support : " In this case, I see that your bank accepted the transfer. Sometimes banks take longer than expected to add the money to your bank account ''. 

XX/XX/24 XXXXXXXX XXXX  : I contacted XXXX. XXXX does not see any pending transactions and claims they have no indication that Venmo sent the money to my account. 
XX/XX/24 : I called Venmo to tell them what XXXX said. They open up dispute ID XXXX XXXX The representative tells me that the dispute team will follow up with me via email. I get an email confirming that the case has been created. 

Over the next several days, I call almost daily trying to get an update on the case. No one follows up in email. No one is giving me any idea about where my money is, when it will be available, and what to expect from the dispute process. At some point, one of the people I speak with on the phone sends me an email asking for my bank statement since the time of the transfer. I provide it via Venmo 's portal.

Yesterday, someone from Venmo support gave me an email for the dispute team and suggested I email them. He assured me that they would be responsive to email. I sent them an email asking for an update and informed them that I planned to create a case with the CFPB if they do not update me on the case. 

This is inconvenient. I'm wasting time trying to chase down money that venmo has lost. They do not seem to be pursuing the issue with any urgency and are certainly not doing anything to keep me informed. I would not have used their service had I been aware that there was a risk of this happening and I do not feel that anything on their website makes it clear that I should be prepared for something like this to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a couple of accounts that does not belong to me and i want them to be remove from my credit. This are the accounts : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.

5. Identity Theft XXXX  Account Number : XXXX This is not mine.

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

7. Identity Theft XXXX Account Number : XXXX  This is not mine.

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

9. Identity Theft XXXX  Account Number : XXXX  This is not mine.

10. Identity Theft XXXX XXXX  Account Number : XXXX  This is not mine.

11. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

12. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.

13. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been a victim of fraud and id theft, XXXX, transunion, XXXX all 3 agencies have allowed inquries from companies that i never allowed to use my personal information to obtain or open accounts, cars store, creadit, my name is incorrect i requested all agencies to remove all inquries everyone correct the spelling of my name and updated my correct creadit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing several items on my credit report that are incorrect and that are being illegally and inaccurately reported. These fools are making it hard for me to get credit and to be able to be approved for anything. I told them that I was gone reach out to yall because I havent heard anything back from them yet. They are not responding to my letters.I want everything to be adjusted as I have requested in my letters to them immediately!
Product: Debt collection

I consumer XXXX XXXX is not obligated to pay any debt under the provisions of XXXX XXXX XXXX  ( 3 ). CAPITAL ONE has violated my federally protected consumer rights. CAPITAL ONE has reported my personal non public information to the consumer reporting agencies of debt that I don't owe. This is a violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX The consumer must have an option to OPT out of credit reporting before such information is reported, CAPITAL ONE did not give disclosure of documents to opt out of reporting. According to the CFPB 's handbook XXXX XXXX Incentives and Disincentives. Reporting to credit bureaus and other consumer reporting agencies by CAPITAL ONE  is voluntary and CAPITAL ONE has taken advantage of my federally protected consumer rights. I've sent a Cease and Desist several times and CAPITAL ONE believes the only form of communication is by telephone. CAPITAL ONE admits to follow the cease and desist but refuses to follow federal law of XXXX XXXX XXXX ( c ) - cease all communications except to inform the consumer that they will cease collection activities. Pursuant to XXXX XXXX XXXX  ( 2 ) the term " communication '' means the conveying of information regarding a debt directly and indirectly to any person through any medium. This means that CAPITAL ONE can not send ANY communication regarding debt in any way in which makes CAPITAL ONE in direct violation of a cease and desist in place that was sent and received. It was demanded of CAPITAL ONE to validate alleged debt under the provisions of XXXX XXXX  1692g and CAPITAL ONE has failed to due so or respond to several Affidavits of Truth line by line.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to get a new card for gas after talking to the credit card people LoanDepot is reporting my mortgage payment as {$130000.00} when it is really {$1700.00}. 
I am being told that it makes my debt ratio way to high to get even a credit gas card. 
If this is correct, they need to report is correct RIGHT NEW!
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to know what type of game XXXX, XXXX, and Equifax are playing. Looking at my consumer report I have companies with more than one account listed like XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX. I reached out in XX/XX/2021 and last week about the fraud happening with my report. Then there is a cell phone company XXXX listed and I would never do business with them they are too high priced. If I have not learned anything at all in financial training I learned that per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I have to give the go on listing anything on my consumer report. The bureaus do not have my consent and are violating me and the law. I want this fixed in 15 days max.
Product: Credit card or prepaid card

On XX/XX/XXXX, I entered into contract with a cabinet/granite company for the Total amount of {$7700.00}. and paid on this day {$4000.00} leaving a balance of {$3700.00}. 

On XX/XX/XXXX, company/merchant did not compete the work as contracted and charged my Discover card for multiple amounts of {$3700.00}. As of XX/XX/XXXX Discover had transaction from XXXX  XXXX for over {$45000.00} dollars and Discover claimed on XX/XX/XXXX that I owe XXXX  XXXX and accepted the fraudulent charges adding to a total of {$25000.00}. 

On XX/XX/XXXX, after months of disputes and insults from Discover staff, I wrote to CEO XXXX XXXX and provided all evidence including the contract with XXXX  XXXX. Since then, Discover insisted that I owe XXXX XXXX  {$11000.00}. 
Since XX/XX/XXXX, I have been making monthly payments towards fraudulent charges to my Discover card. Discover card have failed to protect me from XXXX  XXXX   wrongdoing and criminal actions against my Discover card and have deliberately chosen to be on the side of the criminal activity of this merchant. I endured a XXXX XXXX on XX/XX/XXXX and just few months ago I am feeling better, my health has been the reason why it has taken time this long to proceed against Discover who till now still are making pay. As of XX/XX/XXXX, Discover communicated via Ichat that the amounts charged to my Discover card on XX/XX/XXXX add to {$11000.00} ( XXXX XXXX and XXXX XXXX and XXXX XXXX dollars  ). I am even unsure if this is the correct amount as it's all unclear but prior to this date of On XX/XX/XXXX, I had no monies I owe to Discover as I have usually paid my balance in full. I am a Discover customer since XX/XX/XXXX. 
On XX/XX/XXXX there was another charged for {$3700.00}. and this is when I had to frozen the account in order to stop more charges from XXXX  XXXX. The Merchant ( XXXX XXXX ) has claimed that it's not them and it's Discover card 's fault that keeps paying them. I have filed a police report against XXXX XXXX on XX/XX/XXXX. Thank you for any help. 
I am desperately seeking a solution as I have been very sick for the past two years and very upset by all this unfair and abusive practice. I have been unable to work but I have continued payments monthly for amounts I Do Not owe. Thank you.