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

My loan is due on the XX/XX/XXXX, with a  5 day grace period  tilXX/XX/XXXX of that month.

I am emailed and or called several times in a single day !

I have picked up the the phone only to be hung up on.

It is always the same phone number  XXXX.

This is Just XX/XX/XXXX calls-

XX/XX/XXXX  XXXX
XX/XX/XXXX   XXXX
XX/XX/XXXX   XXXX
XX/XX/XXXX   XXXX
XX/XX/XXXX   XXXX
XX/XX/XXXX   XXXX
XX/XX/XXXX   XXXX
XX/XX/XXXX   XXXX
XX/XX/XXXX   XXXX


This is plain as day creditor harrassment!!

I pay every month during my contractually agreed upon grace period.

This has been going on since beginning of the year and getting worse each month, not to include emails constantly. 

This needs to stop ASAP.

I am paid monthly,I hold up my bargain.

I certainly hope they are not reporting late payments on my credit, as that is inaccurate due to our agreed terms.

I have plenty plenty more documents proving the harrassment. 

I am also filing a complaint with the Michigan Attorney General Office, as I live in Michigan. 

I plan to file a complaint with the Indiana Attorney General Office, as that is where One Main Financial is headquartered. 

I really need help, and to get One Main Financial to stop this. 

Thank You ,

XXXX XXXX
Product: Money transfer, virtual currency, or money service

Chase XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Fraud Claim : XXXX - Updated to : XXXX Date of Transaction : XX/XX/year> Claim related to account ending in : XXXX To Whom it may Concern : I am in receipt of your decision not to honor my fraud claim. I initiated a follow-up claim on XX/XX/year> due to circumstances that I do not believe were taken into consideration. 
On XX/XX/year> at XXXX PM, I received a text asking if I had initiated a Payment in the amount of {$2000.00} from my XXXX account. I was instructed to answer YES or NO. PAGE 1 I answered NO, PAGE 2 and received a phone call at XXXX PM PAGE 3 from a gentleman that I identified himself as a representative of Chase that was going to assist me in reversing the charge before it could process. Unfortunately, I was on a soccer field watching my grandson and was unable to write the gentleman 's name down. The gentleman on the phone was very knowledgeable, had my account numbers and walked me through what I thought was a reversal of the XXXX transaction. 
Upon arriving home, the evening of XX/XX/year>, I decided to make a call to Chase because my account did not appear to have a reversing transaction. PAGE 4 Once I explained the situation to the person in your Fraud department, I was notified that I had been scammed and was instructed to change my login credentials, PAGE 5 During that call I provided as much information as I was asked to. I was never asked for any documentation, and thought the situation would be handled within the 10-day time frame.

Imagine my surprise when I received your claim determination. Immediately upon reading the decision letter, I called the phone number provided in the letter to inquire about the information that was used for your research.

Page 6 I told the young lady that I could provide more information than I was initially asked for. She started an updated claim number and asked me to upload the documents. 

Here are my expectations.

1. Chase will provide me with ALL the information that was used to make this decision?

2. Chase shall tell me how this transaction was processed during non-banking hours after I had reported it.

3. How did Chase determined the transaction was as I had approved?

4. Chase as the financial institution shall provide me with the transaction trail from my account to the receiving XXXX account. Chase should have the access through XXXX to determine what account number received the {$2000.00}. It certainly did not go to any account related to me.

5. Chase will tell me how from looking at the text messages that I could have realized that I was not dealing with Chase?

FOLLOW-UP Chase subsequently sent 1 message saying they were restoring my funds pending further investigation, then a 2nd message saying that they were declining the claim and would be taking the money back from my account. Yesterday XX/XX/year> I visited my local branch and was able to speak with XXXX? in the Fraud Department. She told me that the transaction had been traced to a bank in Illinois, but there was no money in the account to recover, and I was out of luck.
Product: Credit reporting or other personal consumer reports

XXXX continues to double report balance as 2 separate tradelines resulting in inflated debt obligation on my Equifax report
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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 reporting or other personal consumer reports

Capital one XXXX and bank stole my identity. The agent asked me to send in documents as far as a divorce to decree due to these accounts being opened fraudulent and sent over the information to get them deleted off my credit report not only did capital one make it seem like i opened those accounts by updating my name as if i opened those accounts in general. At this point capital one stole my identity i did not give consent to open those accounts under no previous or current names. The phone number they have on file is not my number nor my email address. Capital one is updating people information and that is fraud and forgery.
Product: Debt collection

I got behind on my payments and have n't had a chance to get caught up but they continue to call over and over. I ca n't answer and reason with them because they do n't want to hear what I have to say and if they are offered a XXXX dollar payment it is n't good enough. I was going to pay twards my account but my wife had to use all the money we had to go twards hers so I could n't pay anything on my account so they call me every day now even on the weekends. When you do talk to them they try to bully you into renewing your loan even when you say you do n't want to. I 'm tired of dealing with them and it 's about to the point where I tell them to send it to collections and I will just pay it off that way I ca n't stand to deal with them anymore
Product: Debt collection

Request to Cease Communication and Removal of Account Due to Data Breach under 15 USC 1692c ( XXXX ) Dear Sir or Madam, I am writing to formally request that all communications from XXXX XXXX XXXX XXXX regarding the debt referenced below cease immediately, and that this account be removed from collections, in accordance with 15 USC 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). 

Details of Debt : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Debt Amount : {$1200.00} The additional reason for this request is that I have recently been made aware of a data breach involving credit bureaus, which I believe has compromised my personal information. As a result of this breach, I am concerned that the information used to pursue this debt may have been obtained through fraudulent means or mishandled in violation of my privacy rights. 

In light of this breach, I am requesting that the debt be removed from collections and that no further action be taken regarding this account until this issue is fully resolved. Under the provisions of 15 USC 1692c ( c ), I also request that you cease all further communications with me regarding this debt. This includes all phone calls, letters, and other forms of contact, except for any necessary legal notices or required actions. 

Please ensure that your records are updated accordingly and confirm that this request has been processed. If you need any additional information to proceed with this request, please feel free to contact me. 

Thank you for your immediate attention to this matter. I trust that you will comply with my request under the FDCPA and take appropriate action in response to the data breach. 


Thank you
Product: Bank account or service

Bank of America ( BofA ) has charged more than {$1000.00} in overdraft fees over the past two and half years, at {$35.00} each. This was on my business account, which usually has a large amount of transactions and I did n't realize it until today. 
After reading the law I discovered that I was supposed to have had the option to " opt-in '' and that a default opt-in was not allowed. 
I contacted XXXX XXXX at BofA and he stated that there had been no wrong doing on the part of BofA, I was able to get XXXX XXXX to request that I opt-out but I was told the process takes 5-7 days for approval and that I would now be charged a Return Item fee of, {$35.00} for each item rejected. 
What started my research are the transactions that occurred overnight between XX/XX/XXXX and XX/XX/2016. 
At XXXX on XX/XX/XXXX I checked my account on my mobile device and it said I had {$49.00} in the bank and I went to the grocery store and spent {$46.00}. When I woke up in the morning I noticed that I had been charged {$70.00} in overdraft fees. I was shocked, because I had a positive balance of {$160.00}. This was after a deposit that occurred overnight of {$250.00}. When I talked to BofA they told me that the available amount reflected on my mobile device did not include processing transactions, and in my account history it shows that my balance was really {$37.00} at the time of the purchase and a XXXX draft came through for {$9.00} that caused the XXXX overdraft fee. 
This seems very deceitful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was Victim of Identity theft as a result several account appear in my report that are fraudulent and not mine i have send these company all document of the illegality of these account XXXX refused to removed these account from my report and continuo to report then XXXX XXXX XXXX # XXXX. 
XXXX XXXX XXXX # XXXX 
XXXX XXXX XXXX # XXXX 
SUNTRUST BANK # XXXX 
These account are fraudulent and not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing identity theft for more than a year now .I sent hundreds letters and this incorrect information is still on my report. 
I dont understand how is that possible!!!!!!!!!!!!!! 
Please see attached documents. One of this document is affidavit from my step son that he used my information without my authorization. 
and its still on all three Credit Bureaus Reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX card for several years.I went into store purchase a product and I believe I updated my information.I was told I would get replacement in the mail.I did receive the product by my bill was sent to the wrong address.My credit score went from XXXX to XXXX because they put me as delinquent when they were at fault for sending the bill to wrong address.Im XXXX  and XXXXI also have XXXX XXXX XXXX doctors who's cares I'm in.I also been recently diagnose with XXXX XXXX and XXXX has been trying to get my XXXX XXXX under control.Thiis had put extreme pressure on me and could possibly affect my ability to remain in senior place due to low credit score.I talk with XXXX they said XXXX XXXX is at fault.XXXX XXXXXXXX  said there at fault.I just need help pls being XXXX  and XXXX  to remove this no fault delinquent report off mu credit report please help me .thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX and XXXX accounts. ( Please see pages 2 6 and 9 14 of the attached credit report. I have also attached a spreadsheet with each account number ). These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

A loan of {$9300.00} from XXXX XXXX XXXX appeared on my XXXX Alert. contacted XXXX and found out it was activated and multiple loans were taken under my name and ssn. Found out my uncle with the same name has a loan with XXXX WITH MATCHING RECORDS FROM THE XXXX REPORT. please contact at XXXX for further follow ups.
Product: Payday loan

I represent, as a manager, a landlord to ACE Cash Express in XXXX Washington. They have abandoned their rented space with one year left in their lease. They used you as an excuse by sending me a copy of your XXXX XXXX, 2015 Outline of Proposals Under Consideration and Alternatives Considered. They said this allows them to vacate the lease. However, the lease says they can vacate the lease only if there are rule or law changes that stop them from operation in Washington state where this store is/was. I have sent them letters, called, and emailed XXXX XXXX, their current VP. They are ignoring me and owe me over {$36000.00}. Can you please help me or tell me who to contact?
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with TXXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Student loan

Navient is being held in a class action in multiple states for illegal practices. There have been lawsuits filed by several of the states allege that Navient broke a wide range of state and federal laws as a student loan servicer, including by pursuing a years-long scheme to steer borrowers into high-cost repayment options and away from income-driven repayment. 

I feel like I have been affected and apart of their illegal practices and something needs to be done for the people in Georgia to receive help.
Product: Checking or savings account

Robinhood has decided to restrict my account and has not let me withdraw my money. Theyre holding my money XXXX  and refuse to unlock my account even with all the proof I have sent them.
Product: Checking or savings account

I attempted to open a business checking account today ( XX/XX/XXXX ) as I have just recently launched my own company. To my surprise, and sadness in what should have been a very happy day, I was turned away from XXXX XXXX due to a prior reporting by SunTrust. I was not turned away due to poor credit, or bounced checks, or not providing the necessary business paperwork ... but due to an odd decision on top of an odd decision made by SunTrust. XXXX provided an adverse action notice on the new account due to SunTrust reporting fraud on a previous checking account that I had with them ( ending in XXXX ). This was a shock as SunTrust, in XX/XX/XXXX, closed the account abruptly with no information. At the time I was frustrated, and after talking and escalating many times with SunTrust I learned that the account was closed due to me opening " too many disputes '' and due to their internal regulations/tolerance to have the account. As much of a pain as it was to have a checking account closed with no notice, and as questionable a practice as it now seems in hindsight, I shrugged it off at the time and went to another banking institution. Now, years later, this odd decision which was originally a question mark is now haunting me again in the form of not letting me establish new banking relationships. As a consumer I would expect a bank, and still do with my current financial institution, to act as an intermediary when it comes to a dispute with a merchant. If there are questionable charges or a merchant is uncooperative, I ( as do many other consumers I presume ) seek aid from the financial institution who facilitated the transaction via the dispute process. How should this lead to ramifications to the consumer in the form of an abruptly closed account or adverse consumer reporting on an account with a {$0.00} balance? It should n't. 

Further, I have researched with XXXX ' consumer reporting agencies and XXXX XXXX XXXX does not have record of this " fraudulent '' account. I am still awaiting feedback from XXXX ' other provider, XXXX XXXX XXXX. 

Lastly, I have attempted to resolve directly with SunTrust to no avail. When the account was closed in XX/XX/XXXX I was a confused consumer that had minimal harm from the ordeal - now I am a baffled consumer that is being held back from finalizing a business start up. The case number with SunTrust is XXXX. SunTrust 's customer care and credit reporting departments evidently have no knowledge of this adverse reporting and have no abilities/desires to correct the issue.
Product: Credit reporting or other personal consumer reports

I was shocked this morning to find inaccurate accounts on my credit report and have no idea how they got there. I routinely check my report, but this time, I found discrepancies that appeared out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but nothing changed. The inaccurate accounts were still there after I refreshed. Because of this, Im requesting that the documents Ive sent be thoroughly reviewed so I can stop worrying about this happening again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX sent me an offer to the balance during the COVID pandemic. I paid the balance. It was XXXX. The reported to the credit bureau a balance of XXXX. 
They also sent me a 1099 tax liability to for the amount I paid which was the XXXX for XXXX  taxes
Product: Credit reporting, credit repair services, or other personal consumer reports

I already put a complaint on this matter but I received more information XXXX  who was in my credit report for XXXX found my back taxes for Nationstar and gave that information to Nationstar and XXXX did get paid for it also the amount owed on the taxes were incorrect and Nationstar got refunded for the amount over paid The XXXX XXXX. Treasurer even told XXXX my house wasn't in Foreclosure but they taxes anyway and broke the contract I had with XXXX XXXX the worst part XXXX  did my Credit Report on XX/XX/2021 and Nationstar didn't pay until XXXX XXXX and didn't notify me they paid my renter called me and told me. Last but least Nationstar sent me a bill XXXX dollars for full payment or I was given XXXX and XXXX 2021 off and in XX/XX/2021 which raised my mortgage payment from XXXX to XXXX a XXXX increase and now I'm struggling alot there was no 6 months 12 months offered I've notified the CEO and everyone on the board even XXXX XXXX Bank and they stand by the decision. This is like they didn't care about this before and I feel they singled me out. I hope this time things will be different
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These accounts was marked as inaccurate XXXX opened XX/XX/XXXX XXXX opened XX/XX/XXXX XXXX open XX/XX/XXXX XXXX opened XX/XX/XXXX XXXX opened XX/XX/XXXX XXXX opened XX/XX/XXXX XXXX. Opened XX/XX/XXXX