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

To Whom It May Concern at Acima Leasing, I am writing to formally express my dissatisfaction with my recent experience as a consumer of your services. When I entered into the agreement with your company, I was under the impression that it was a lease agreement, as advertised and explained to me. I believed that if I was unable to continue making payments, I could simply return the merchandise without incurring additional financial penalties. However, this has not been the case. 

Due to unforeseen financial difficulties, I was unable to make payments as scheduled. When I attempted to return the merchandise, I was informed that I could not do so and was instead subjected to a significant amount of interest on the remaining balance. This outcome is entirely contrary to what I understood and expected when I entered into this agreement. 

I feel that the terms of the agreement were misleading and not clearly communicated. As a result, I have incurred undue financial stress due to the unexpected accumulation of interest and the reporting to credit bureau that is making it impossible to receive credit. I am requesting a review of this matter and a resolution that aligns with the original understanding I had of the agreement. 

Please contact me at your earliest convenience to discuss how this issue can be rectified. I look forward to your prompt response to address my concerns. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed several letters asking TransUnion to remove inaccurate accounts. They have yet to reply to any of my certified letters since XX/XX/2021. I understand they have 30-days to complete their investigation once they received my request. To date, they have not replied or conducted an investigation as required by law under the FCRA.
Product: Debt collection

I have a person who XXXX for me that now owes someone money and it has been given to Transworld Systems Inc for collection. XXXX XXXX XXXX, XXXX Delaware XXXX, phone XXXX ( the number their calling from for collection on a XXXX XXXX ). I am not him, I am his former XXXX and I XXXX him for cause a while back. They are calling me on my personal and business phone trying to get him or information on him. I have repeatedly asked them not to call me, we do not give private information out on both XXXX and XXXX XXXX. They are disrupting my XXXX, they will not stop calling and if I block the number they call from another one. I am being harassed, I am not this guy and they have to know this because I will bet they got it off a form that said XXXX or reference for the debt their trying to collect on., -- when I tried to find out who they were by calling them back they gave me this number XXXX. I am not even the guy that owes them money only he listed my number on something as a reference and they will not stop calling me after repeated attempt of me explaining that I am not him and please stop calling. They are disrupting my XXXX. I am a very XXXX XXXX XXXX XXXX, and I am at the counter talking to customers when they call most of the time
Product: Debt collection

I have a loan with Regional Finance XXXX XXXX XXXX Missouri. I am experiencing a financial hardship and I have explained to them that I am unable to make the {$340.00} payment. My last payment was in XXXX. In XXXX the collection calls began. This company calls me almost everyday asking about when I can make a payment and I tell the same answer. The XXXX XXXX along with other team members call asking me the same thing. They call from company phones and I believe their personal phone. I explained that my money will be tied up until XXXX. XXXX and others told me they cant wait that long. Today XXXX called trying to force me to tell him why? He along with others who call keep asking me why I cant make the payment. I dont feel I should be obligated to share my personal reason of why Im behind on my payments. They have a robo calls to me every day to my phone.This is harassment! 

Call log XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regional Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently tried to download a app & the app was to build credit. Its called Self. Now I downloaded this because I can not for some odd reason download or sign up for XXXX  wont allow me. So I figured I try out Self and tried to be responsible to build my credit as they say credit scores are pretty important. 

Theres apparently information that popped up when I typed in my last 4 SS # s. It states that in 2019 I took out a mortgage claim. Ironically I got a phone call around that time stating some bizarre claims but one of them was that my information has been compromised and it was some sort of bureau agency reaching out to me that if I dont state if it was me or not Im liable to charges or some sorts. I thought it was a all a prank call or some scammers but the odd part was they legitimately did have some sorts of my information which had me debating the legitimacy in all this. I ignored what they was saying after a while and believed it to be people doing fraudulent activities which I wanted no part in so I hung up. Now Im seeing theres a mortgage claim around the same time I got that weird phone call. And it says a different number hooked up to the account which isnt mine. I had the same phone number for about 20 years now maybe lol. No way its a mistake. None of that information is me is this why I cant open a XXXX account or a XXXX card? Help I need to start building credit asap not tomorrow like yesterday
Product: Credit card or prepaid card

During the checkout process for a {$92.00} online purchase from Wayfair, I was solicited for a {$40.00} credit off my purchase for opening a Wayfair credit card ( Comenity Bank ). Because I was offered a credit of {$40.00} off my purchase, I applied during the checkout process. My application was approved and the purchase was automatically billed to the new Wayfair account. I received my Wayfair statement XX/XX/20. I did not receive the {$40.00} credit. On XX/XX/20 I called the Wayfair credit company ( Comenity Bank ). THe  representative said he would complete a dispute on my behalf since I did not receive the {$40.00} Credit. I was concerned because the bill was due by XX/XX/20. He said during the dispute process I would receive a provisional credit. I called again on XX/XX/20 because I had not received the dispute letter or a provisional credit on my account. The representative said they did reach out to Wayfair about the dispute, but had not received a response from Wayfair. She then told me that my purchase did not qualify for the offer. She said they had to wait for Wayfair to respond. Because the bill is due soon, I called back again XX/XX/20 to confirm if the provisional credit was applied and to confirm the name of the bank. The representative said the provisional credit was still not issued. She also advised that because my purchase was less than {$150.00}, it did not qualify for the credit. 

When I was solicited by Wayfair during the online checkout process, it was not disclosed to me that a purchase of {$150.00} was required for the {$40.00} promotional credit. Furthermore, if my purchase did not qualify for the offer, Wayfair should not have solicited me for the offer during checkout of my {$92.00} purchase!
Product: Debt collection

XXXX XXXX notified me that a collection was added to my credit report. It said it is from XXXX with no account number listed. I am a XXXX XXXX who still is on my family 's phone account with XXXX XXXX XXXX and I have never even thought of getting anything from a different company. The company ( XXXX ) has confirmed that my only phone number I have ever had has never been associated with them. The " collection agency '' has never once attempted to contact me and confirm the identity of the collection. This collection is fraudulent.
Product: Credit reporting or other personal consumer reports

I have recently contacted Bank of America regarding why they are closing my accounts during the time of personal difficulty of this year XXXX. I have been banking with them ever since XXXX. But as of now, they have decided to close all of my accounts. Without giving me any information on whats happening with my money in my checking account. The only thing that I got from the mail was stating that my account would be close and thats it. I wouldnt know what to do. Would there be an interest charge on my credit card too? Since its close but with no information. So, a few weeks ago Bank of America decided to send me their client advocate and Resolution Specialist name, XXXX XXXX. Who is absolutely the worse employee from the Bank of America that I had to deal with. Firstly, its really hard to get a hold of it and her excuse is that, she wouldnt get any of my multiple phone calls not until an hour late, which is also a lie! If your having a phone issues why are you even servicing people And she also marks down, regarding my checking account, that she would get back to me on XX/XX/XXXX ( and she thought it was a weekend and I told her no, thats a Monday ), which is also another lie because I had to call her and remind her about the status of my check account and my money on that day, that she never called me and act like she doesnt even remember what to do. And each time I asked her a question, she kept saying she didnt know and that I would have to call and find out. Like what the point of trying to talk to someone who doesnt even know a thing about her own company. She also Highly recommended me to go to the Bank and pull out my money while my checking account is in the process of being close. She has mentioned that to me so many times, while I kept telling her that I was extremely busy with work. So, as of today, XX/XX/XXXX. I took her advice and took the day off from work, which is unpaid, and wasted my gas money to go to the Bank of America Branch, just to realize that I cant even pull out my money as she has mentioned!!! Bank of America Has provided me with so many False information. And it seems like most customers at the branch have closed down as well. What is Bank of America is trying to do people and their money!! The consumer Financial Protection Bureau needs to do a deeper investigation into Bank of America! Protect the people, Protect the nation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit acceptance and XXXX  XXXX XXXX  are both fraudulent
Product: Debt collection

his debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account ( s ) from all three credit reporting agencies due to the violations : XXXX, XXXX If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Product: Credit card or prepaid card

I have been charged for a product I did not want or purchase. A charge of {$14.00} has been charge to my account for several months. The last charge was dated XX/XX/19. I would like to close the account. I have tried to contact Synchrony Bank but it is impossible to contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, XXXX, XXXX and Equifax, had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to USC 15 USC 1681 section 602 A, It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter, states I have the right to privacy. 

These addresses does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX THIS IS NOT AN EMPLOYER THAT IM EMPLOYED AT XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LOOKING OVER my credit report and I SEE it has addresses that I never live at on my Credit report. I am requesting that you promptly update and delete addresses that I never resided. Please see the attached copy of my utility bill for your reference. Please update my current information to reflect THE CORRECT INFORMATION XXXX J XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX PLEASE REMOVE THE FOLLOWING ADDRESSES FROM ALL OF MY CREDIT XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 repeatedly asked for evidence from XXXX, TransUnion, and XXXX to support their reporting, but yet again, they failed to provide me with a copy of any viable evidence submitted by the Bankruptcy courts substantiating their claims, which is an additional violation of The Fair Credit Reporting Act 611 ( a ) ( 7 ). Given that I believe that they are acting in bad faith, and have not complied with the FCRA. I have attached proof from the courts that they do not provide any information to credit agencies. And I have maintained records of all actions. The agencies claiming to get information from a court, when its actually obtained from an unnamed 3rd party that could be easily be considered false information on my report. I repeatedly requested for the Bankruptcy be removed from my report because it is an inaccurate unverified account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan on a finance vehicle as a cosigner with XX/XX/XXXXXXXX is being reported in accurate several times after trying to resolve with the company, I was a part of a multi state settlement with XXXX XXXX XXXX and my New Jersey attorney generals office, my account is in litigation and is to not be posted to my credit report because the account was paid off and closed, XX/XX/XXXX my account was showing paid off with a XXXX balance, also received a letterFrom the attorney generals office of New Jersey on XX/XX/XXXX confirming, will attach documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy on XX/XX/XXXX and was discharged on XX/XX/XXXX. I have attempted to call and dispute with experian on multiple occassions with no response from them. On my report I have 2 bankruptcies that are shown on experian which are the same bankruptcy. They have the petition for bankruptcy on XX/XX/XXXX and also have the bankruptcy for XX/XX/XXXX. The reference number is XXXX and XXXX cmb. I have explained to the company multiple times that these 2 bankruptcies that they have reported are indeed the same. It is affecting my report with this company because it shows that I have 2 bankruptcies when it should only show 1. Any help at this point would be appreciated.
Product: Checking or savings account

On XX/XX/XXXX, I discovered that a Bill Pay payment in the amount of {$1300.00} was debited from my checking account for a second time. The first payment to XXXX was debited on XX/XX/XXXX as scheduled. The next payment should not have been debited until XX/XX/XXXX. As a result my checking account was resulted in an overdraft in the amount of {$750.00}. All payments that were scheduled to my creditors for XX/XX/XXXX were returned. In addition, Bank of America charged me for each returned payment and my creditors also charged returned payment and late fee. After spending a significant amount of time on the phone with various departments ( I.e. customer service, bill pay, consumer disputes ) and XXXX, I was informed that the payment to XXXX could not be reversed. However Bank of America representative informed me that they would credit the insufficient fund fees, and subsequent fees [ until my next payroll deposit ] would not be charged. Unfortunately the Bank did charge additional fees, which totaled {$240.00}. 
On XX/XX/XXXX I contacted the Bank regarding the additional fees. After spending 2 1/2 on the phone with Customer Service and Bill Pay, they acknowledged that my account had been noted that additional fees would not be charged. However, their computer system would not allow them to provide additional credit beyond what was given on XX/XX/XXXX. This is the second time this issue has occurred. The first time was on XX/XX/XXXX. At that time I contacted both the Customer Service Department and the Bill Pay Department at Bank of America. Subsequently the representative informed me that the payment could not be stopped. However she walked me through the process of checking my scheduled bill pay and helped me to make sure that all of the dates were correct going forward. For this reason, I was sure that my mortgage payments would be debited from my account on the XXXX of each month or the last business day if the XXXX were to fall on a weekend or holiday. Nonetheless, this was not the case since the same issue happened again. 
In view of the fact that on XX/XX/XXXX the Bank stated and noted my account that I would not be charged additional fees, they should honor their agreement. Payments to creditors that were scheduled to process on XX/XX/XXXX were returned by Bank of America on XX/XX/XXXX and additional overdraft fees charged to my account on XX/XX/XXXX and XXXX for a total of {$240.00}. If the bank did not send an additional mortgage payment from my account, these payments would have been paid. As a result of the banks error I also incurred return payment fees and late fees from my creditors. 
I made one final attempt on Thursday, XX/XX/XXXX to speak with a Bank of America representative to see if the bank would return the fees. At that time I was informed that all relative fees had been credited and they would not refund the additional fees that were charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing for years in reference to a bankruptcy that is listed on my credit file with Equifax/XXXX/XXXX. I always submit a dispute and ask them to verify the information and the dates and they always come back and say it has been verified through a third party, XXXX XXXX. However my XXXX XXXX is frozen and has been since XXXX. So that information would be inaccurate. I am asking each credit Bureau to confirm and verify the accuracy of the bankruptcy or remove it from my credit file immedately as I have been denied Housing during this pandemic.
Product: Credit reporting or other personal consumer reports

The following information has been included in my consumer report. Under 15 USC 1681a # 2. Your company falsely reported information that resulted in defamation of character. Additionally, you created a deceptive form that led creditors to believe that I was in debt, despite being unable to prove its validity. As a result, I was discriminated against and denied my right to extend credit. I never gave consent for this reporting, and this report being furnished by you on my behalf makes you liable under the Gramm-Leach-Bliley Act, 15 USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights.

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Money transfer, virtual currency, or money service

Last year I had lost my wallet at a store which I kept my XXXX XXXX login information in and I notice there was an unauthorized Zelle charge. I notified XXXX XXXX who reset my account with new password, and they did an investigation which came back, and they stated they couldn't refund me so that was just money I lost.
Product: Debt collection

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but a request for XXXX made pursuant to the above-named Ttle and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.