23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am one of the 140 million American whose data was exposed by the Equifax breach. In order to protect my credit and my financial future, I now have to freeze my credit with all three credit bureaus, including Equifax. As Equifax charges a fee for this freezing, they are essentially charging me for their own negligence and profiting off of this situation. I should not have to pay for this company 's negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft ALLY FINCL Account XXXX : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several different places hit my report with the same stuff buy this is done by XXXX XXXX I know. She always runs my credit for cars and phones
Product: Checking or savings account

Two unauthorized XXXX transaction/transfers were taken from our account in the amount of {$250.00} each on XX/XX/XXXX. 
Someone from XXXX marketplace offered to buy our XXXX that was posted for sale via XXXX. XXXX sent an email message acknowledging a deposit into our account and instead took unauthorized funds. The fact that PNC owns part of XXXX and PNC nor XXXX have responded to our complaints ( 2 to each ) nor offering any assistance in getting scammed money back. 
The company hast to know where the money went and they could get it back since it was an unauthorized in complete transaction. 
I now understand that this is a common practice. However, PNC markets this as the safest way to transfer money. Unacceptable. 
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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: Debt collection

Columbia recovery group have repeatedly reported for over 2yrs a fraudulent account on my and my son 's credit reports. It has been in disput and in some places they did n't report it as disputed and they refuse to seek judgement in this matter or to address a proper investigation to this alleged debt as there is video they refuse to acknowledge and view. They used deceptive tactics to ligitimze the claim. It 's fraudulent and extortion they are practicing.
Product: Credit reporting or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX Balance Owed : {$6100.00} XXXX  XXXX  XXXX Balance Owed : {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CT XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX  Total amount owed {$4300.00} XXXX XXXX XXXX   Total amount owed {$1500.00} XXXX XXXX Charge off account XXXX XXXX XXXX  Charge off account. ( {$470.00} ) XXXX XXXX XXXX   Credit Card Charged off Account. ( {$4800.00} ) I was XXXX  XX/XX/2015 and served 5 years with half time for my XXXX  XXXX. The police have my property ( wallet & Jewelry to my room mate without my consent at the time of my XXXX. My room mate then used my cards and maxed them out, emptied the {$3700.00} in my bank account and used my leased vehicle without my consent or knowledge. There is no way for an inmate to cancel their cards, make payments or even contact the merchants. I knew he was doing these things and nothing I could do. I was only just released from XXXX and the room mate " XXXX XXXX XXXX '' is deceased and so I can't even file a police report against him. All my mail was returned to sender, these credit card companies dint give me the statements to my cards si that I I can dispute what is and isn't my charges. I've started to pay off these debts knowing that part of charges are mine but I know I only had about 3,000 in debts. The XXXX XXXX I never signed up for and has told them from day one that it is fraud and I suspected XXXX without proof until after his death in which his mom found past due notices in his desk at his moms home with my name on it. 

What do I do? I'm willing to pay for part these charges but not the amounts they want especially since most charges are fraudulent. Please help, I'm trying to put my life back together.
Product: Credit reporting or other personal consumer reports

These unauthorized agencies XXXX, Experian and XXXX are sharing and reporting my personal information without my wet ink signature and permission. This is identify theft and a violation of my privacy according to 15 U.S Code Section 1681 ( 4 ). In result of this I am requesting that all negative information be removed from all three Agencies within 4 days of receiving this consumer complaint. Thanks for your help in this process. 

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

Name : XXXX XXXX email : XXXX Tel:XXXX Customer Reference : Remitly Reference : R XXXX Amount : {$8000.00}. 
Compnay name Remitly Dear All, I am XXXX, a customer and I sent money to XXXX to help people for this COVID 19 crisis Community. I used a company name is Remitly, which has a horrified reputation all around the social media. However, I sent money on XX/XX/2020 and until XX/XX/2020 the money did not deposited the account and the receiver did not get money yet, they are suffering for this. 
In addition, I have requested Remitly and submitted proof from the bank the money did not deposited 15 days ago. Specially, I requested to return my money. Still now, after 30 days days has been passed the did not get my return money. I no need to send this money anymore because I borrowed money from my friends and sent the money to them from different company, They are efficient and they have customer service 24/7. On the other hand, Now I need my money immediately. the Remitly customer service said it will take 3-5 days on XX/XX/XXXX, it has been passed 15 days, I did not get money return yet. Even The company customer service is 24/7 unavailable and they are not supportive at all. I have been suffering enormously for this problem. I need immediately my money back and I need damage compensation for this problem. I am urging special attention to above mentioned Authorities and please take a legal action against this company. I saw on XXXX XXXX  a number of customers have been facing this kind of problems and I their money has been held long time and the same story. 
Therefore, I am requesting I need money return in my bank within 3 days. Otherwise, New Jersey Customer Rights Department and NJ bank insurance authority, and senator please take into account it seriously and please Suspend doing the business in New jersey by Remitly as soon as possible. Because this scam company will lose our customer trust and it will harm their our faith in our beloved state. 
I am looking forward to hearing from soon. 
Sincerely, XXXX XXXX Remitly Reference :XXXX Tel:XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2024 Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am having issues with my credit report. I noticed multiple TILA violations on my report. I recently spoke with a legal advisor regarding this matter. Please send me the following as PROOF that you did your due diligence in maintaining the accuracy of my report ; XXXX XXXX XXXXXXXX XXXXXXXX notified me 21 days before with a statement, a copy of the creditors payment ledger, As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and stateunder 15 USC 1681n civil liability because Ive been violated. 


Here is the law code for reference : 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

DO NOT SEND ME NOTHING BACK TRYING TO STALL I AM WHO I SAID I WAS. I HAVE INCLUDED MY ID AND SS NUMBER AND YOU SHOULD BE ABLE TO FIND ME. IF YOU SEND A STALL LETTER THIS FURTHER LETS ME KNOW YOU ARE NOT DOING YOUR JOB. I WILL BE KEEPING RECEIPT OF THIS FOR LEGAL PURPOSES.
Product: Payday loan, title loan, personal loan, or advance loan

I purchased a XXXX XXXX for {$8800.00}. ( company XXXX XXXX ). The in house representative offered financing with 24 months same as cash ( no interest ) with PCI- Preferred Credit Inc XXXX I set up automatic payments with them at the time of approval. My first statement came in and 1st payment was due XX/XX/XXXX. It has been 24 months now XX/XX/XXXX and I asked for a payoff amount. I looked over my statements, and I realized they have been adding interest to the balance from month 1 and that the balance has went up over the 24 months instead of down. I have paid {$3700.00} towards the balance and expected a payoff of {$5100.00} however PCI still shows I owe {$8400.00}. I called PCI XXXX to get this issue resolved. They said that the statement will always add interest and to see what your true balance is at any time you have to call as the statement will not show correctly the 24 months same as cash amount. They also reported that it is not 24 months from the first statement or payment due, that it is 24 months from install date. I told them that even though it was installed on XX/XX/XXXX, it was not functional on that date. They had to come back and dig a gravel pit for the regeneration and then they system did not pass inspection the first time and they had to come back and fit it. I talked to XXXX XXXX and XXXX XXXX ( supervisor ) about taking off the interest and giving me a payoff balance. They both said they couldn't do it.
Product: Student loan

I sent an IDR application for re-calculation over a week ago. My two other loan servicer 's have already approved my application for re-calculation. I will be paying {$23.00} a month to XXXX. AES is trying to make me pay {$130.00} a month. AES is telling me that after re-calculation, it will take 1-2 billing cycles for my new payment to go into effect. I emailed AES and told them that I can not afford to pay {$130.00} a month. I think they are trying to cause my loan to go into default.
Product: Credit card

I am having a problem accessing my Care Credit Card account online and the bank issuing the card, Synchrony Financial, is not helping me gain access to view my account information online on their website. I have no idea what is going on with my account now. Their Customer Service department has been no help at all and do not seem to care. Every time I try to log into the website at XXXX I am getting messages saying " Your account information is not available online. Please contact Customer Service at the phone number provided on the back of your card or statement. '' My log in information is correct and the site actually says I am logged in, but it refuses to let me see my account information and just keeps giving me that same message. I contacted Customer Service and it was torture trying to get through to an actual person. When I finally did speak to a customer service rep she was completely unhelpful. All she could say was " Refresh your browser and try again in a couple of hours. '' I explained to her that I had done so multiple times and tried logging in multiple times on Internet Explorer, Chrome and Firefox and I keep getting the same error message over and over again, no matter what. Her answer : Refresh your browser and try again in a couple of hours. I asked her to put me through to technical support and she said there is no technical support. I have twice tried emailing the company at three different email addresses - XXXXXXXXXXXX, XXXXXXXXXXXX, XXXXXXXXXXXX - and have received no response whatsoever. So the problem remains unsolved and I can not access my account. My account is set to take monthly automatic payments of {$100.00} from my checking account which I set it to do when I last had access to it. I wanted to change that automatic payment and I am wondering if Synchrony Financial is deliberately preventing me from accessing my account so they can prevent me from turning off auto payment. I also am not receiving any paper statements from the bank so I can get no information about what is happening with my account at all. I do believe it is illegal for them to withhold my account information from me and therefore I am filing this complaint against Synchrony Financial.
Product: Student loan

In XXXX of 2017 I received an alert from my credit monitoring service that 27 late payments from Nelnet hit my credit report. All of those accounts now report as closed due to the fact that those accounts were consolidated. Since XXXX of 2017, I have struggled with Nelnet to correct this information because I would never have been notified of any problem with my accounts because nelnet had been sending information to the wrong email and mailing address. there was a mix up on their end. according to the rep I spoke with, the last rep I spoke with entered by personal information into their database incorrectly. Although I never received accurate reporting information regarding the accounts, Nelnet maintains that it can contact me anyway they choose. This is absolutely ludicrous considering that I have no idea who received my personal information because of their mistake. Nelnets response to this irresponsible reporting practice has been to keep these late payments on my credit reports, keeping me in financial ruin. 

account numbers as listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have never taken out a loan for Affirm Inc for {$1100.00}. The XXXX loan accounts numbers are XXXX and XXXX. The two amounts were {$350.00} and {$790.00} for the loan Affirm said that I take out for Home Advisor. I have no relationship with Home Advisor and yet I am made to pay for a loan that I did not make or have no knowledge of. 
I would like for XXXX to remove this loan and late payment on my account since it is hurting my credit score. The dates that my account was open was XX/XX/2021 and XX/XX/2021.
Product: Credit card or prepaid card

Care Credit charges me a late fee of {$41.00}. 
I owed Care Credit a balance of over {$4100.00} and always made beyond my minimum payment because I want to finish paying this card. I never missed any of my payments. 

In my last statement care card charged me a late fee {$41.00} due to not receiving their statement on time to pay my bill. I call to explain to Care Credit but they refuse to assist or waive the {$41.00}. I am XXXX and on a fixed income. Wavie this fee will help. 

Care Credit doesn't care about helping their customer.
Product: Credit card

Recently, I applied and received the Capital One Platinum credit card with no annual fee. However, on my 1st statement, Capital One charged me a {$19.00} membership fee. The Platinum card agreement details and even Capital One 's own web site clearly state this card has " No Annual Fee. ''
Product: Mortgage

In their response to complaint XXXX, Springleaf Financial made several statements which I proved to be false with documentation from XXXX Mortgage. 
I signed statements with every complaint that all information I am giving is true, and I believe that it is a criminal offense to knowingly give false information. 
Springleaf gave false information regarding to speaking with XXXX XXXX about the status of my loan with XXXX XXXX XXXX stated in writing, which I submitted to the CFPB, that they had NO communication with Springleaf. ). Springleaf had to know this information was false when they responded. 
There are other instances ( how payoff was obtained ; faxed to MY attaention at Springleaf 's fax number, etc ) which also call many legalities into question, but the first instance is already documented.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XXXX XXXX XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : XXXX  ( Finance ) XXXX  ( Finance ) XXXX XXXX ( Miscellaneous ) XXXX XXXX ( Finance )
Product: Bank account or service

Chase bank has hit my credit bureau twice in 2 months without my approval. I called them. they said I applied for credit cards. I informed them I did not. and do not want a credit card. they would not delete the inquiries from my credit. told me to contact credit bureaus which I did. XXXX said to contact chase and ask for letter of deletion. I have not received any help from chase. I 'm afraid they will continue to hit my credit without my approval. I want them to stop accessing my credit. 
I had fraud alert for past 90 days and yet chase was able to access my credit without my knowledge.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX bank XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX : account # XXXXXXXX XXXX XXXX : account XXXX XXXXXXXX XXXX : account # XXXXXXXX XXXX XXXX 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 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

on XXXX, XXXX XX/XX/2022 I was approved for an American Express Business Checking account, that came with a sign-up bonus, providing certain requirements were met. 

EARN XXXX POINTS - after making an eligible deposit, maintaining a required balance, and making XXXX qualifying transactions. 

EARN AN ADDITIONAL XXXX POINTS after you meet all qualifying activities to earn both the Business Gold Card and Business Checking offers. 

I met the requirements before the advertised deadline, however, American Express refused to honour the terms of the agreement. They stated I did not complete the required XXXX qualifying transactions on the welcome offer. 

" You only completed XXXX out of XXXX qualifying transactions and this specific requirement needed to be completed by XX/XX/XXXX. '' On my account it showed that I made XXXX transactions with the description of " online transfer '' between XX/XX/XXXX and XX/XX/XXXX. Per Amex 's chat representative : " There was a returned Automated Clearing House ( ACH ) on your account on XX/XX/XXXX for {$2000.00}, and we do not count returns for a qualifying transactions. Stop payments and transactions that do not post to your account and do not appear in your Available Balance within sixty ( XXXX ) days of account opening are not qualifying transactions. '' However, the transaction in question was not a " stop payment '', and it was an electronic/online transaction that was posted to my account during the period in question. This specific type of transaction was not defined within the terms and conditions provided by American Express at the time of signup.
Product: Credit reporting or other personal consumer reports

Dear SageStream , LLC Consumer Center Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. 

Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. 

I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. 

Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX
Product: Debt collection

SOURCE RECEIVABLES MNG has flagged your account as Collections on XX/XX/2023. I have NEVER had an account with XXXX XXXX in my life. this needs to be remove from my credit report IMMEDIATELY.