23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I borrowed {$400.00} from Big Picture Loans in XX/XX/XXXX and I have paid {$200.00} in each of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, for a total of {$600.00}. The lender refuses to discharge the loan and wants me to pay {$200.00} a month until XX/XX/XXXX. I can not afford to pay that amount and have told the lender but they insist that I pay. The interest rate is 735.9112 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in dispute letters to the credit reporting agencies ( equifax, XXXX, and XXXX  ) and a validation letter to the collection company ( XXXX XXXX ) regarding two accounts ending in XXXX and XXXX and I keep receiving responses back from the credit reporting agencies and the collector stating the accounts are verified, but they keep failing to accurately verify the accounts in their entirety. I first started disputing the accounts with the credit reporting agencies in XX/XX/2018 and they continue to report the negative marks on my reports. They send me responses of verified without any proper verification. I sent in a letter of validation to the collection company and they just sent an itemized list of alleged charges. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. After continuous rounds of letters stating the section 609 ( a ) ( 1 ) ( A ), section 611 ( a ) ( 1 ) ( a ), section 611 ( a ) ( 7 ), section 611 ( 5 ) ( A ), and sections 616 & 617 these companies have continued to fail to comply with federal laws. The laws are very clear and my rights have been violated many times over now. Im sending in this complaint to you the CFPB because they have not followed proper guidelines and have violated the fair credit reporting act, the fair debt collection practices act, and have defamed my character.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights.15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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.
Product: Money transfer, virtual currency, or money service

Scammers posing as employees of XXXX XXXX on XX/XX/2021 convinced me to make 4 payments totaling {$1400.00} to avoid disconnecting electricity at my home in XXXX, NY XXXX. The tool the scammers used was the Chase XXXX XXXX function offered and promoted on the Chase on line account page. I had never used XXXX before. The scammers walked me through how to transfer funds to a phone number. 

Upon realizing what I had done I immediately filed a report with the Chase fraud unit where I was advised to 1 ) close down the checking account from which I had drawn the funds, 2 ) open a new checking account, 3 ) file a claim with the Chase claims department. I did all of this. I was told the matter would be resolved by XX/XX/XXXX and that in most cases like this funds were restored. 

I received a notice posted to my online account on XX/XX/XXXX stating that the 4 scam transactions were never paid and that Chase would make no adjustment to my account. This notice is attached to this complaint. However, the Chase notice referenced only my closed account but the scam transactions had been transferred to my new account, which showed and still shows the money being debited. 

On XX/XX/XXXX I called Chase to correct their notice and insist that my claim be processed. Chase told me the issue was XXXX 's responsibility and I was given a number to call. I was unable to reach a live person at XXXX. After several more calls back to Chase I gave up.

My complaint is that Chase, by promoting and enabling XXXX, has provided scammers a tool to steal from their victims but does not provide even rudimentary safeguards against the sort of fleecing I experienced. For example, the supposed names of the accounts and the phone numbers were never vetted by Chase even though my scenario is a well known ploy. It's as if Chase has posted a loaded gun on their web site, encouraged customers to use it, and washed their hands of any responsibility for its consequences.
Product: Debt collection

Good Evening, Hi my name is XXXX XXXX, I leased apartment # XXXX through XX/XX/2015-XX/XX/2015 at XXXX XXXX in XXXX , Texas . I tried to apply at XXXX XXXX in XXXX XXXX, Texas and was informed that I had a broken lease from XXXX XXXX XXXX after investigating this what I found out. 


I gave a 30 day notice to XXXX XXXX XXXX XXXX/XXXX/2015 after I gave my notice I looked into a XXXX bed room unit at XXXX XXXX XXXX and gave them a {$150.00} transfer fee XX/XX/XXXX, before my move out date XXXX/XXXX/2015 I contacted XXXX and informed XXXX ( manager ) that I can not move into the XXXX bedroom XXXX ( manager ) then advised me ( XXXX ) that I would not get my {$150.00} back if I decided that I did n't want the apartment. I moved out of my apartment XXXX/XXXX/2015 as I was supposed to do. XXXX XXXX XXXX is now telling me that I have a broken lease because I did not give them a second 30 day notice. XXXX XXXX XXXX kept my money like they stated but then charged me {$550.00} for Insufficient Notice. I do n't see the reason to give another 30 day notice. There is no way that could work because based off that 1st 30 day notice you all could actually lease that XXXX bed room. I never filled out a lease or anything for that XXXX bed room. At this point I do n't think I was supposed to be charged XXXX for Insufficient Notice, because I strongly believe it 's not right, especially if I never signed any documents stating on that XXXX bed room. 

I contacted the collection agency and they refuse to get the issue resolved correctly. The collection agency stated the collection is valid even though I have evidence showing that it is fraud.
Product: Credit card or prepaid card

The Dentist and his assistant injured me and poisened me when they were doing the root canal on me and also failed to put the crown on correctly I disputed it with comenity Bank but they didn't care all they cared about is the fact that I authorized the work to be done and that it was a valid charge didn't care that I was injured and made very ill and faulty work was done on me bad service and faulty service mailpratice none of this mattered to them the dentist told them he would not agree to refund my account so he got away with injuring me and putting the crown on wrong causing further damage to the test of my teeth and jaw
Product: Debt collection

There are 2 medical bills that an out of net work provider is charging me without my authorization. They are violating my right under surprise act of 2022. They are The Prof Medical Collection and XXXXXXXX XXXX XXXX they are also charging me interest ; every month the bills gets higher. This is improper use report. 


Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I discovered numerous unauthorized inquiries on my credit report from Equifax. After notifying Equifax that these inquiries were unauthorized and that my report was obtained without permissible purpose I was ignored. I also provided Equifax with an FTC report and that was also ignored. I did not give consent for these companies to use my personal identifying information to access my credit report and this is a violation of my privacy and I demand an Immediate deletion of all the listed unauthorized inquiries within 4 business days from receipt of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past few months, I have submitted several disputes to the major credit reporting agencies, XXXX, Equifax, XXXX and XXXX concerning adverse accounts on my credit reports. Under the FCRA, these institutions are responsible to do a thorough investigation and must verify these accounts with the original signed instrument or documentation within 30 days of officially receiving my dispute. If they can not properly verify these accounts per the FCRA rules, they must be deleted from my credit report. 

Throughout this process, I have not been given proper verification from any of these companies concerning these adverse accounts. Just recently, Equifax received my dispute on XX/XX/XXXX, yet on XX/XX/XXXX, they had concluded that they were finished with the investigation, stating that they verified the account in question with XXXX. XXXX does not have any original documentation, and I was presented with any original documentation as proof of my liability from Equifax. 

I want to file a formal dispute against XXXX, Equifax, XXXX   and XXXX, as they are violating my rights as a consumer to be given proof of verification, and they are not following the rules under the FCRA. 

I am disputing 3 accounts : Bankruptcy Chapter XXXX Discharged XXXX XXXX XXXX XXXX XXXX XXXX These accounts have not been verified per the FCRA and must be deleted from my credit reports.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding inaccurate account on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. These accounts should be corrected : XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXXXXXX Balance : {$100000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

The Sears-Citi credit card website payment page understates the minimum payment due. For instance, this month my minimum payment was about {$30.00}, but a check of my account statement, downloaded from the site, listed my minimum payment as about {$120.00}. This has been going on for 6 months. As a result, I 've been paying more in interest charges than I would have if the website had not misinformed me that I owed a minimum payment that was some {$100.00} less than I actually owed. 

I attempted to resolve the issue using the website 's chat facility, and the contact did refund my latest month 's interest charges of some {$25.00}, and promised to bring the matter to the attention of the concerned department. I have n't done the math, but it seems likely that underpayments of {$100.00} per month for 6 months would put me a bit more in debt than {$25.00}, as the interest rate is 25.24 %. Before I was overdrawn, no interest was being charged at all, and after becoming overdrawn in XXXX, 2015, the interest charges were $ XXXX- $ XXXX/month, for an average accumulation of about {$150.00}.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXXXXXX XXXX XXXX XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

The apartments were paid and now a third party collections company is trying to take additional funds. Never was I aware of any additional debt owed. I also never did a contract with this particular company that is now trying to collect on the apartments behalf. Do they have proof of why or how I owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two medical debts under {$500.00} listed on my TransUnion credit report from the Company XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX. As of 2023, these charges should no longer be listed on consumer credit reports. See : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Three violations of 605 - 15 U.S.C. 1681c ( d ) ( 2 ) occurred on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Two more violations of 605 - 15 U.S.C. 1681c ( d ) ( 2 ) occurred on XXXX XXXX and XXXX XXXX 

EXPERIAN violated 609 - 15 U S C 1681 ( f ) ( 2 ) by failing to disclose any information and reasoning for the adverse actions against the consumer report and account, despite multiple requests made by consumer, resulting in injuries to the consumer.
Product: Debt collection

Hello, I paid my balance off in full of {$370.00} it processed and posted on the XXXX of XXXX. Putting my credit balance at a {$0.00} and giving me an available credit to use of {$400.00}. Then they went ahead and gave me a credit line increase of {$200.00}. Now I have a credit limit of {$600.00}. A supervisor released {$200.00} dollars to me and told me the rest of my credit to use would be on the XXXX of XXXX. But as of this moment my balance is {$220.00}. With an available credit of NEGATIVE {$130.00}. And then tell me that I owe them XXXX. If I owed them {$130.00} then my credit Balance would be {$730.00}. Negatives on a credit card means the bank owes you money not the other way around. But when I call the automated system it say I have a balance of XXXX and a credit line to use of XXXX and some change. ( EVERYTHING IS SCREEN SHOTTED FOR EVIDENCE ). Then when I ask for this issue to be fix and get my account at the numbers it needs to be and release the credits on my account or get it in good standing and close it all together they leave the chat hang up the phone or disregard ANYTHING THAT IM SAYING as if Im not even saying it. NONE OF THEIR MATH ADDS UP. NOT A PIECE OF IT. Then they say its because of the pending charges..no.those pending charges we from my last balance they take it immediately out of my account as a authorization hold.so that money had been deducted already just not posted. They keep running me in circles and ultimately Im 100 % sure this is a scammers site. And they need to be investigated IMMEDIATELY being that their app is synced to third party sites for promotions..DO NOT PROMOTE THIS COMPANY. ASPIRE CREDIT CARD!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XXXX XXXX, 2017, I contacted all three credit reporting agencies ; XXXX, XXXX, TransUnion. Only one, XXXX, provided a credit report. It had multiple errors, or which I filed a dispute. Both XXXX and TransUnion could not provide any information because they could not verify my identity. I am quite sure they have multiple errors, also. When I accessed the information on the XXXX breach, it appears my information has been compromised too! 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

my name is XXXX XXXX .i am XXXX XXXXjust now i am in XXXXfor daily expense i amintenational trnsfer money through Remitly usa co.. XXXX XX/XX/2023 i got the email from remetily transfer {$2200.00} from my bank XXXX XXXX XXXX account through my debit card. my debit card details are with remitly.it was Rs XXXX in my name XXXX post payment ending in XXXX which not mine and i did not authorised this transction .iI complaine to compney and XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was needing some financial relief so I filed bankruptcy in XXXX  a XXXX  XXXX. I was informed that I didnt need to file and I withdrew and the bankruptcy has been dismissed, and there are 3 cases that have been dismissed. I have attempted to get these removed from my credit report. And I did not give the courts permission to place the cases on my credit report. I have called to get them removed. I have submitted disputes with the credit bureau and they will not remove them, I have uploaded documents showing that the cases were filed incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I sold our home in XXXX and closed on XX/XX/XXXX. During this process we packed up and moved to XXXX in XXXX. We only to find that and everything was done electronically. A couple of days later we received monies owed to us from the difference of the sale of home and payoff. Sounds great right? My wife and I decided we wanted to buy a new home in XX/XX/XXXX, In doing so the lender ran our credit reports only to find that XXXX reported us 60 days past due for the months of XX/XX/XXXXand XX/XX/XXXX. How could this be we paid off our mortgage in XXXX. After making numerous calls to both title company and mortgage company we found that there was a shortage in the escrow to pay our property taxes of said home in XXXX. The title company received the payoff from the mortgage company and stated that it was good through a specific date which we closed well before that time. Both title company and mortgage company blames the other at being at fault but this does not affect them only us and our credit! We did however receive a letter from the title company explaining what happened and that it had nothing to do with a late payment. We requested XXXX to remove the negative past due on our credit reports but they refused. How can you be late on a house note that was paid in full and have paperwork to prove it? Also how can the new owners receive a clear title for their new home? We have since paid the {$340.00} to clear the escrow but in return would like to see our credit repaired. My wife has spoken with many different people at XXXX with one promise after another only to find out they were lying. We have proof we were never late on our mortgage, this was not our fault as we trusted both title company and mortgage company to handle the closing correctly. We have sold a home previously and never had an issue! XXXX has yet to return any of our calls. Unprofessional to say the least!!!
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also Known As : XXXX, XXXX, XXXX XXXX Off : XXXX XXXX XX/XX/year> {$8300.00} XXXX XXXX XX/XX/year> {$7300.00}
Product: Checking or savings account

Revoked Sezzle my permission to debit my accounts I effective immediately with a proper email and one of their forms I was told by Sezzle I need to fill out They have regular gone into my accounts trying to take money Also I asked to remove my debit cards information from the site but Sezzle doesn't allow let me. 

Notified I am going through a financial hardship and I will be returning to my job in a few weeks and can't pay weekly payments. But can when I return. 
They said they couldn't help me. 

So in writing I revoked my permission for Sezzle to debit my 2 debit cards. because the unwillingness to stop the debits have been mentally exhausting. 

They keep going into my bank account every day
Product: Credit card

I looked at a Capital One Venture credit card. I didn't like the APR, and I never arrived at the approval screen. Thus I was surprised to see that the card had been shipped to me without my consent. 

When I called to ask about this, the agent asked me to " admit '' that I had opened the card. I told her I never saw a button to give my consent. I asked her to close the account, which I told her I particularly wanted to do given the rude way in which she treated me as if I had done something wrong or was on trial. I am concerned that this experience will affect my very good credit score. The CapitalOne Venture card site is very misleading, even for well-informed customers like me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to Equifax today in regards to the validation of an account with XXXX XXXX XXXX XXXX and I have the call recorded with the agent, He said the dispute is closed and verified as mine. I requested in my dispute the documents that XXXXXXXX XXXX provide verifying the account, and he said to me that he ( Equifax ) can not send me that documentation from the lender i.e the document that I asked for in my dispute to verify and or validate the debt that they are reporting on my file. which is in violation of the FDCPA, By Equifax not providing this documentation this account should be removed immediately from my file because it has been more than 30 days since filing this second dispute. Also they are not allowing me automated access to my credit file.