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

XXXX and have XXXX XXXX XXXX and was forced to stay 2 hours away from home at the Lendmark office to sign the original merger of loans. I did not agree with it and attempted to leave and was followed and harassed and intimidated into coming back into the office after smoking a cigarette ( the loan officer never left me alone while I was outside ) and than upon being forced back inside I was bribed with " lendmark shwag '' ie, cups, pens, referral bonus cards, etc. by XXXX XXXX whom than continued to harass me about my identity and make remarks about me being XXXX. After leaving I had to seek additional XXXX and had an XXXX XXXX XXXX XXXX XXXX and I have lost all confidence in Lendmark being an honest lender. The other issue with the $ XXXX {$1100.00} cash funds were supposed to go towards a down payment on a new/new to me vehicle while trading the XXXX that was merged into the loan, however I was misled and once i recieved the funds I was repeatedly denied credit to get to the goal of the merging of loans. 
I refinanced again after the incident, because XXXX had informed me that a resolution would happen, but than a month went by and I made the first payment or two and refinanced to buy time for Lendmark and myself to comeup with whatever resolution XXXX was referring to. And to this day now I still have no resolution, I am denied credit everywhere ( due to this loan I was forced into signing and refinancing to buy time ). Also, as per the value of the vehicle, the vehicle was CLEARLY understood that it was in " ROUGH '' condition, however Lendmark failed to capture photos during the original loan merger and they only took a photo from more than 3 feet away ( which in auto industry is known as a method to hide dents/scratches/paint fade, etc. ), they also failed to look at the interior of the vehicle and never asked about mechanical ( there reason for not checking mechanical I was told by the loan officer was " as long as it drive to the office to be visibly sighted, it can be financed ''. While the actual XXXX XXXX XXXX value is {$1900.00} as of today XX/XX/XXXX and {$2900.00} at the time of the 1st refinance, and somewhere in between during the 2nd refinance that was done " to buy time to find a resolution '' So far the only offer from the Lendmark office is to pay {$2700.00} via the 10-day payoff letter the emailed and mailed on or around XX/XX/XXXX. 
This loan causes nothing but harm to myself and the issues meet many UDAAP violations on top of Virginia laws and statutes.
Product: Credit card

ive tried to pay my XXXX XXXX card three months ina. row while i am always told they cant take my payment but zwicker and associates is taking it. and then, when I am transferred, I am told that they can not access my account or receive payments from my account unless I emailed them and some other company releasing my information to them but they doesnt seem necessary or even legal bc if they had the legal right to collect on this account or XXXX XXXX why would i need to email a collections agency asking them to collect on my file?? 

I have now tried for three months to make payments on this account, and as a result of them, not taking a payment and making it impossible for me to make a payment I now have a charged off account as well as 3 new late payments on my credit report and then continue to report late as they continue to not accept my payment. This account shouldve been paid in full in XXXX and remove completely. Instead my credit continues to suffer. American Express is who own the account and if they sold it to someone who cant take my payment how am i supposed to pay it??? and XXXX months now of late payments has destroyed what hope i had to fix my credit. 

their answer is always to call but they do not help nor take payment when i call. again im stuck trying to pay and they wont take my money.
Product: Debt collection

Security Credit Service added a collection debt back onto my credit on XX/XX/2019 after it was removed without proper notification which is illegal. The amount was XXXX that was added without notifying me of that a collection would be added to my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Open XXXX Pursuant to 18USCB 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

My Venmo account was frozen and they will not let me access my money they have froze my account that Ive had for years and arent letting me withdraw my money of {$1000.00} I really need to pay bills and stuff. 
I dont mind if I cant use the account anyone I just want to withdraw my money. They are saying they wont give me my money until 180 days no way I can wait that long. This is totally not fair Ive did nothing wrong they wont say why they froze it. 

It happened when I tried to withdraw that amount to my bank. Which Ive done plenty of times no problem and now they suspended my account. They asked me to verify my identity and I did. Sent my drivers license they asked for and they still wont give me my money. 
I need to pay rent and other life expenses please!!!!!!!
Product: Credit card or prepaid card

I have XXXX XXXX account and i have XXXX XXXX   card. It is advertising 5 % cash back when I'm placing order yet i cant see my cashback points and not XXXX nor XXXX  representative were able to fix the issue after 4 hours phone conversation and call forwarding back and forth to XXXX and syncony 4 times. 

Even after the phone conversation, today i am placing order with XXXX using store credit card and its displaying 5 % cash back, which I do not receive. 

I have placed approximately XXXX  worth of orders lately and no cashback as was advertised. 

XXXX XXXX account email : XXXX XX/XX/2018
Product: Mortgage

Fay Servicing is insisting on putting NSF and BAD CHECK on my account despite the fact that XXXX  -the financial institution that operates the account from where Fay make their automatic withdrawal has strongly indicated that my account ending in XXXX from where Fay Servicing automatically withdraws payment for this mortgage has never had NSF or returned checks. 
See letter from XXXX XXXX dated XX/XX/2020. 

I had contacted Fay Servicing from XXXX to XXXX asking this agency to withdraw the right amount of {$1400.00} instead of the amount of {$2000.00} which I had previously allowed but the agency wouldn't. As a last resort, after contacting them for 3 months, I filed a complaint with XXXX in XXXX against the overage. XXXX mistakenly filed a claim against the entire amount. Once this was brought to my attention, the error was corrected and Fay received her full due amount. 

Problem now is that Fay Servicing is claiming that my account was NSF and BAD CHECK. Fay Servicing has put NSF and BAD CHECK on my account with them instead of being honest and noting that they were the cause of the claim filed by XXXX. Any prudent agency would have admitted that SHE CAUSED THE PROBLEM and correct her mistake. Instead Fay Servicing is trying to stick my account with this. Despite the Letter from XXXX which Fay Servicing has a copy of..
Product: Money transfer, virtual currency, or money service

I have already filed an complaint against them & nothing has been resolved. Also Bank of America told me that they have no funds to obtain back to me. Which I sent them proof of me being scammed with the police report and claim. How ever I still have yet to receive my funds. 


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

This is my follow-up endeavor to inform you that I am a victim of Identity Theft, The items I am challenging do not affiliate with or have a transaction with me. Please block the items that are erroneous in my credit report : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} The addresses stated above are not my home address, the accounts are inaccurate and fraudulent. Im seeking Litigation. Please delete the items at once.
Product: Mortgage

Ocwen Financial Services foreclose on my property in 2013 they claim that the offer was not accepted but they never process the application. Ocwen mismanaged alone and it 's not reporting on my credit as late, as pending and that 's foreclosed I have not been able to reach a settlement with Ocwen as they are unable to prove or provide documentation as to why the sale was not accepted.
Product: Credit reporting or other personal consumer reports

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

XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

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

The XXXX XXXX card being reported has multiple errors. An my dispute is not being investigated properly. The balance due is incorrect, late charges assessed are incorrect, and there are theft/fraudulent charges billed to the account. The debt was removed by XXXX XXXX and then re-added by XXXX XXXX without a thorough investigation. XXXX XXXX also illegally re-aged on my debt on my credit report to appear current. However the debt is aging more than 3 years and the dispute with XXXX XXXX was never resolved.
Product: Credit reporting or other personal consumer reports

I Recently reviewed a copy of my credit report and noticed that there were fraudulent accounts on the report. please remove these accounts from my credit report, they are hurting my ability to obtain credit
Product: Debt collection

Sent an email to my mom talking about my supposed debt. I'm not a minor.
Product: Checking or savings account

I received a mail offer from Citizens Bank. The mail offer says I should receive XXXX XXXX  for opening an account with a direct deposit. I did so and set up a direct deposit with greater than XXXX XXXX. Until now, I have not received the bonus of XXXX XXXX.
Product: Debt collection

Account was opened without my consent or knowledge. My identity was compromised, and this account was placed into collections on the date below. 


Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$1800.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone number ( XXXX ) XXXX
Product: Checking or savings account

Like XXXX or more interest was victim of fraud with a ilegal bet site i did dispute and send paperwork and even police report and now they are returning the temporary credit they gave me back and they are reversal the credit I'm overdraft like {$2000.00} or more
Product: Credit reporting or other personal consumer reports

XX/XX/2023 16 CFR 313.7 15 usc 6802 Per the FCRA as a federally protected consumer I am now opting out of any and all authorizations I the consumer may have given you written, unwritten, verbally and non verbally per 15 USC 6802 it is effective immediately and indefinitely.

Since the debt is now with a third-party collection agency, it has already been charged off. As outlined in Tax Topic 431, this represents a certificate of indebtedness, which is categorized as income. It's important to note that income is not reportable on my credit report.

" If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. '' - Tax Topic 431
Product: Credit reporting or other personal consumer reports

These Accounts have violated my rights According to FCRAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING EXPERIAN, XXXX, AND XXXX ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.
Product: Credit reporting or other personal consumer reports

For over 24 months i have been disputing the completeness and accuracy of the accounts listed below which is inaccurately reporting on my credit file in a very negative manner.

Yet the CRA fail to provide information requested, failed to correct, and failed to delete and remove the disputed accounts.

Please include me in your class action claim against this company ; See the numerous disputed submitted as proof.

the disputed inaccurate accounts are ; 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

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. 

Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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've called the number provided but nobody respond. I'm requesting a copy of the voicemail on XX/XX/XXXX with Capital One. The phone records indicates the phone calls last for 20+ minutes with Capital One. In this call, Capital One agent explained the nature of the XXXX Transactions. I've requested the copy over the phone multiple times but I never receive the transcript of this call. 

Also I've attached a copy of the voice call in a later date. In this call, the agent explained very clear XXXX is not revokable. Please review it carefully. 

Since the Demand for Arbitration has been sent two weeks ago, please circle inside to find the related docs.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I received a letter dated XXXX from TransUnion stating they were unable to locate a credit report.
Product: Mortgage

My mortgage was with XXXX XXXX XXXX, XXXX on XX/XX/XXXX. On XX/XX/XXXX I received a welcome letter from Fifth Third Bank. On or about XX/XX/XXXX I called Fifth Third to inquire about a HELOC, at which time I was informed that they do not provide this to Connecticut residents. I then asked what the process was to pull equity from my home again I was informed that also was a service not offered to Connecticut residents. Upon further questions about why not the representative informed me that no other mortgage service was provided for my state. I was informed that the only service was to pay my mortgage. 
I was never informed prior to the sale of my mortgage to Fifth Third, that these services would not follow my original mortgage. This is my formal complaint. This appears to be a violation of the Federal Trade Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute for accounts that do not belong to me! I sent this letter to the bureaus over 30 days ago!! 

I began trying to obtain a home for my family and was denied due to erroneous information present on my credit reports. Since I noticed the incorrect information and accounts I got in contact with all the bureaus, which they then told me to submit my disputes through writing. I have been spending my time and money to submit these disputes to the bureaus and yet they do not provide me with any proof of ownership on ANY of the disputed accounts. I feel TARGETED and ATTACKED by these bureaus that are suppose to help consumers! 

The bureaus XXXX, XXXX, and TransUnion are also blatantly breaking the law by taking over 30 days to investigate my dispute and by reflecting accounts on my credit report that are inaccurate and inconsistent. They are in direct violation of FCRA 605!! And the Fair Credit Reporting Act, 15 U.S.C. 1681g! 

The accounts I disputed are showing inaccurate Last Active Date, Payment History, high limit amount, date opened, payment history are all NOT reporting the same across all bureaus and this is NOT Metro 2 complaint, a regulation that all bureaus NEED to follow. 

I beg you please help me correct these issues because it is truly unfair that I am not able to obtain a home for my family like others can. I am starting to feel that because I am XXXX American I am being targeted and not being allowed to progress because they are placing these inaccurate accounts on my consumer report!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT FILE AND CAME ACROSS SOME ACCOUNTS AND AN INQUIRY REPORTING ON MY CREDIT FILE THAT IS INACCURATE. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS AND INQUIRY. I HAVE NEVER AUTHORIZED THE ACCOUNTS AND INQUIRY. I AM ASKING THE YOU PLEASE HAVE THESE ACCOUNTS AND INQUIRY INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE. THEY SHOULD NOT BE REPORTING ON MY CREDIT BECAUSE THEY DO NOT BELONG TO ME.
Product: Payday loan, title loan, personal loan, or advance loan

I feel I was taking advantage of if they would look at the debt to income ratio understand I I'm only getting Social Security that they would understand that I can't afford this I have a vulnerable adult with XXXX money tree
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these credit inquiries at all. 

-XXXX  -XXXX XXXX XXXX XXXX
Product: Credit card

2 times now i have sent in a payment to the credit card not allowed to call into card to pay only option is to go into store I do not have a card with a number 2 times I have sent in a payment by mail and all times the company states they do not recieve payment and charge a late fee The first time I missed a payment I had not received any notice of payment due date or total due This is the best buy credit card through citibank Since I have to send in the invoice with the payment I do not have a card number This whole deal has been very shady and I will not be doing business with them again Please help make this company become consumer friendly again
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in Experian and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Experian has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of the accounts listed below. I believe it was reported in error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account below is no longer active and should have been removed from credit report. 

XXXX XXXX Last reported XX/XX/2020 {$32000.00} Reported balance
Product: Credit reporting or other personal consumer reports

Accounts was open without my permission or consent. I was a victim of identity theft.