23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Okay so the company by the name of the gold acceptance made me feel very uncomfortable because they have no respect my wishes or respect in my values or comply with a payment plan the rude and very disrespectful they and very disrespectful XXXX respectful that the company wants me to pay them pay them a balance that is way too high for my financial economical status and they dont want to take any more payments any time that I try to make a payment plan with them and they want to stress me out by yelling at me you make me feel very uncomfortable rude and on top of that they are cussing at me on the phone yelling at me make me feel like I am in nimwit. I spoke to this lady by the name XXXX on saturday at XXXX and she was very rude to me about everytyhing solution with all of this I would like them to give me a statement of plan with a credit balances I want also want them to give me the credit they owe me of XXXX they are charging me two sides of insurance while they say that i owe them XXXX XXXXof insurance they dont want me to have a balanced statement. Im not satisfied with the services the mount more money on my account while iam paying them as much as i could they stress me so much that they constantly want me to get overwhelmed that its causing me unbeneficial health problems. So my resolution would be that i want them to set up an adequate feasable & nbsp ; payment plan that i can afford.
Product: Credit card or prepaid card

in XXXX, My dad fell for a credit card stacking scam from a company called XXXX  XXXX XXXX, which the FTC shut down in XXXX for the credit card stacking scam. He forced me to sign an agreement with XXXX XXXX to obtain business credit. 

UNBEKNOWNST to us, XXXX XXXX  and XXXX XXXX LIED and misrepresented themselves. XXXX XXXX  applied for PERSONAL credit cards after INFLATING my income. My gullible father, a senior citizen, never received a copy of the application. XXXX XXXX  applied for multiple credit cards in my name without my knowledge. I DID NOT apply for ANY card on my own. I have no idea what information they wrote in the applications. My dad was named an authorized user according to Barclays. 

My dad made payments on all cards until XXXX when all of a sudden he wasn't able to do so. My credit was ruined as a result of this scam. I have spent YEARS settling with some of the companies. XXXX XXXX did a real investigation and found evidence of fraud. 

Barclays alleges that I lived in North Carolina and since end of XXXX, I have been disputing this as well as the fact that this card was even mine to begin with. I only discovered the scam at the end of XXXX. I was not even aware that they had a XXXX phone number for me until just a few months ago. I have sent multiple letters and have been working with a credit repair company since XX/XX/XXXX. I have sent multiple letters for the past several months. Barclays claims it is investigating yet no one is able to answer my questions as to why they continuously report a North Carolina address to the credit bureaus or why they claim my dad was an authorized user when I didn't even apply for this card. Barclays ' response is to send me automatic generated letters claiming they did an investigation with no evidence of an investigation. Barclays has yet to prove how they verified my address and income during the application process when a true verification would have confirmed that the income and employment information was inflated and false. It is clear to me that Barclays did not verify any information during the application approval process and I suspect strongly that Barclays, along with XXXX, XXXX  XXXX XXXX and other banks that XXXX XXXX applied for cards with, received some form of kickback from XXXX XXXX  for automatically approving applications without verifying the information. True due diligence would have confirmed that I was living in NJ at the time and working in XXXX and that my income could not possibly have qualified me for a {$15000.00} credit card let alone over {$90000.00} as the email from XXXX shows XXXX Barclays can't seem to prove where they are getting their information from.
Product: Vehicle loan or lease

AMERICAN CREDIT ACCEPTANCE HAS REPORTED THE WRONG PAYMENT INFORMATION CONCERNING MY ACCOUNT. I VOLUNTARILY ASK THEM TO PICK UP THE CAR AFTER I COULDN'T KEEP UP WITH THE PAYMENTS DURING COVID 19 2020. ONCE EVERYTHING WAS SHUT DOWN MY HOURS WAS WAS CUT IN HALF AT XXXX. I WAS ONLY ON PART-TIME HOURS TO BEGIN WITH. I PUT XXXX DOWN ON A CAR THAT WAS ONLY XXXX PLUS TAX. I MADE A TOTAL OF XXXX XXXX A MONTH AND SOMETIMES I HAD TO PAY EXTRA FOR THE LATE FEES. AMERICAN CREDIT ACCEPTANCE FINANCED XXXX PLUS ALL THE FEES, TAX AND GAP INSURANCE WAS INCLUDED. THE TERMS WAS FOR 6 YEARS @ 24 % INTEREST. I ONLY HAD THE CAR FROM XX/XX/XXXX UNTIL XX/XX/XXXX. ACA HAS REPORTED TO THE CREDIT BUREAS THAT I OWE XXXX. I PAID A TOTAL OF XXXX WITHOUT ALL THE LATE FEES BEING ADDED. ONCE THEY PICKED THE CAR UP FROM THE AUTO SHOP THEY EVEN TRIED TO CLAIM IT WAS DAMAGED TO MY INSURANCE COMPANY [ XXXX ]. BUT I TOOK PICTURES OF THE CAR THE DAY I RELEASED TO THE AUTO REPAIR SHOP.TO PROVE OTHERWISE. AMERICAN CREDIT ACCEPTANCE IS A TOTAL FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went through mortgage loan modification and made all payments on time. New loan servicer incorrectly reported to credit bureaus that we were past due 180 days in XX/XX/2018 when the loan was transferred to XXXX XXXX XXXX ( XXXX ) XX/XX/2018. We made requested payments and modification was completed XX/XX/2018. Now our credit history shows we were late with 2 mortgages-XXXX XXXX and XXXX, even though we paid as agreed to new loan servicer XXXX. This negative information has prevented and is still preventing me from my ability to conduct commerce. I have disputed this with all 3 credit reporting agencies and XXXX and have had no success in correcting this information. XXXX has violated FCRA by not informing us of this negative credit history so that we may have disputed it back in XX/XX/2018 when they started reporting it.
Product: Debt collection

I received a call 2 Fridays ago ( XX/XX/XXXX ) from XXXX XXXX  from IQ data international. He was calling in regards to XXXX XXXX XXXX. I moved out in XX/XX/XXXX. XXXX was the XXXX person. He wouldn't let me speak. He overtalked me over and over. When given a chance to speak I tried to explain to him my lease was month to month and that I didn't break my lease. I also explained to him why my lease was month to month. I asked him to send me all documents and photos, I was told " you don't have time to review this. After XXXX and I went back and forth he sent over 1 document showing I owed for damages and cleaning, I advised XXXX I was fine with paying for other damages but I was not paying for additional rent, carpet, or cleaning. XXXX stated " even if I remove those charges that are only {$800.00}. He then disconnected my call. This company refuses to help you. XXXX spoke to me as if I was a criminal and was very belittling and harrassing.
Product: Debt collection

Bullcity financial states they are trying to collect a debt from me, that is not my debt. This showed on my credit report without any kind of validation or verification. 
XXXX XXXX deleted this from my credit in XXXXXXXX XXXX XXXX  due to fraud charges and then turned around and sold to Bull city Collections. 
This is double fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on several student loans with XXXX that have a {$0.00} balance and {$0.00} past due. This is harming my credit score and it is obviously impossible to be past due on something that does not have a balance due.
Product: Credit card

On XX/XX/2024, I spoke with XXXX about the Easy Pay program offered. I paid the Full Balance on my Old Navy/XXXX card in anticipation of making a {$3000.00} purchase after the Credit Limit was increased to {$3000.00}. This purchase was processed effective XX/XX/2024 and was eligible for Easy Pay. ( 18 monthly payments of {$170.00} ) When I tried to enroll in Easy Pay, I received an error message " Oops something went wrong... We were unable to enroll your transaction into Easy Pay because your balance is below the requested enrollment amount. '' When I spoke to XXXX on XX/XX/2024, her response was that the System was updating, try again later. On XX/XX/2024, I spoke to XXXX who transferred me to XXXX, a Supervisor. He was unable to get the transaction to go through. He realized that the Full Amount ( including Interest ) would exceed my available Credit Limit ; hence the denial. On XX/XX/2024, I made a payment of {$500.00} and subsequently attempted to enroll in Easy Pay ( as I was instructed to do by XXXX, a supervisor  I spoke with on XX/XX/2024 ) and the Easy Pay amount of {$2500.00} ( 18 monthly payments of {$140.00} ) would not process, because XXXX had apparently deleted the transaction from the system. I tried to contact the Complaint Department ( Tel. # XXXX ) and the call went directly to " Credit Cards. ''
Product: Credit card or prepaid card

American Express frozen all my Membership Reward Points in my account. This is unacceptable, I have more than 6 credit cards with them. 

I always pay my credit cards on time and my annual fees. ( Including my American Express Platinum {$550.00} and American Express Gold {$250.00}. ) I don't understand why the company is taking advantage of consumers.
Product: Credit reporting or other personal consumer reports

Improper use of my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Under 15 U.S.C. 1681 section 602 states, I have the right to privacy.

Under 15 U.S.C. 1681, section 604 A section 2, A consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S.C. 1666B, A creditor may not treat a payment on a credit card account under an open-end consumer credit card as late for any purpose.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some secured loan that did not have permissible purpose and not belong to me and i am never apply for that loan, XXXX XXXX XXXX  XXXX opened in XX/XX/XXXX and closed in XX/XX/XXXX and i see on my XXXX credit report that i have also late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Federal law requires the three major credit reporting companies to offer consumers free credit freeze services that should block most unsolicited credit inquiries. Experien offers such a credit freeze that seems to comply with the minimum requirements of federal law. However, about a year ago Experien began offering a paid " credit lock '' feature. The credit lock appears to work similarly to a credit freeze, especially at first glance. 

Since the introduction of that " credit lock '' product, visitors to the Experian site who have instituted a credit freeze have been greeted with a message that their accounts are " unlocked '' and that they would have to pay a subscription fee to lock their account. At the same time, Experian has buried links to their " security freeze '' page so that they can not be easily found. The impression is that sellers of financial products as well as criminals have unfettered access to your credit details until you pay Experian a fee. 

Experian should be required to prominently display its mandatory " credit freeze '' options on the home page of its website, including on navigation menus. The site should explain with clarity and specificity that any paid offerings are in addition to what is available to the consumer for free under federal law. While Experian will say that they do provide this information, the problem is that the priority is to encourage customers to purchase services they may not need or want. It is highly likely that the way Experian is presenting this information has caused consumers to pay for credit freeze protection that they are legally entitled to without charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am representing myself. I am NOT a third party. I have also attached a photo of a utility bill and a photo of my social security card for PROOF of identity along with a report from XXXX to show EVIDENCE that this creditor is violating my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXX XXXX 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. 15 U.S.C 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. 

Every piece of information on this account is NOT reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % ACCURATE! I have attached a report from XXXX to show PROOF that this creditor is in direct violation in accordance with the Fair Credit Reporting Act ( FCRA ). 

*XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX is reporting INACCURATE information to XXXX and XXXX. 
It says on my XXXX report the last active date is XX/XX/2022 but, it says on Experian XX/XX/2022. 
It says on my XXXX report the last date a payment was made was on XX/XX/2022 but, it says on my Experian report the last date a payment was made was on XX/XX/2022. 
It says on my XXXX report the payment status is " Late 90 days '' but, it says on my Experian report the payment status is " Late 30 days ''.
Product: Checking or savings account

Contacted Ally via chat on XX/XX/2023 to close my checking account after calling and being on hold more than 30 minutes. I told XXXX from Florida more than a dozen times to cancel the account but she kept asking questions and telling me about products trying to get me to change my mind. Chat lasted more than 15 minutes and she refused to close the account unless I gave her access to an external account. Checking balance is {$0.00} and interest would be less than XXXX cents so its not like they are going to send that to me anyway and its just a scam to get permission to conduct transactions on an external bank account. They have all my info and could send a check if need be but XXXX continued to request access to an external bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Company XXXX initially stated this account was paid and also was closed. Information is true yet still hasn't been removed from my report. Section 611 ( a ) states that failure to investigate items by CRA within 30 days must be removed if presume to be inaccurate. This has been over 30 days and I will like this to be Deleted immediately.
Product: Credit reporting

I am a XXXX, currently unemployed. I was looking at options to finance my education, and wanted to know if I had enough ( any ) credit built to take out a student loan without my parents cosigning. My free credit report did not display whether I had any credit established, so I paid XXXX {$1.00} for a full credit report. I got the report and saw that I did n't have any credit built so I would have to get my dad to cosign. 
Flash six months later, I recieve a text message from my bank telling me that I have overdrawn my account. It could n't have been possible, because I have n't been using that card. I looked at my bank statement and noticed that I have been receiving monthly reoccurring charges of {$19.00} since XXXX 2015. XXXX automatically signed me up with out me knowing to a monthly subscription with TransUnion. I had no idea this was happening, and the customer service department was extremelt insensitive when I explained the situation. I do not have an income, and I do not have any credit for them to monitor. It was disingenuous to sign me up unknowingly, especially for a purchase that was not authorized buy the card owner. They will not refund me. I want the company to be held accountable for what they did.
Product: Checking or savings account

Unbeknown to me, Capital One froze my checking account. This prevented me from withdrawing or depositing funds. Direct deposit from my employer was lost. Payments to creditors were missed.
Product: Credit reporting or other personal consumer reports

I never had an accouunt with XXXX XXXX. Identity. Theft victiim. 

Acct # XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute a fraudulent tradeline on my credit report and to raise serious concerns about TransUnions failure to meet its obligations under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) judgment. The account listed as XXXX XXXX XXXX is not mine and is the result of identity theft and deceptive practices. 

Additionally, I am aware of the CFPBs recent judgment against TransUnion for failing to provide accurate and fair reporting of consumer credit information. This judgment further underscores the importance of ensuring my credit report is corrected promptly. 
I have already filed an FTC Identity Theft Report regarding this fraudulent account, as it is an illegal debt. I strongly urge TransUnion to remove this account from my credit profile immediately. 

( Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX This debt is not mine, and its presence on my credit report is causing undue harm to my creditworthiness and reputation. XXXX XXXX XXXX has engaged in deceptive and unlawful practices, and this tradeline is in violation of federal and state laws. 

To support my dispute, I have attached the following documentation : A copy of the FTC Identity Theft Report. 
A copy of my credit report with the fraudulent tradeline highlighted. 
A copy of my government-issued ID for verification purposes. 
Under the Fair Credit Reporting Act ( FCRA ), TransUnion is legally obligated to investigate disputed accounts within 30 days. I expect a prompt and thorough investigation, followed by the immediate removal of this account if it can not be verified as accurate and legitimate. Additionally, I request that TransUnion provide a detailed explanation of the investigation process and outcome in writing.This situation has caused unnecessary harm to my financial standing, and I expect TransUnion to act immediately to rectify it. Please confirm receipt of this letter and provide updates on your actions to resolve this matter. 


I also need to dispute XXXX XXXX XXXX tradeline I have attached their info below and need an investigation immediatly. 
They have not verified the debt, they have no chain of title and it is not mine please investigate and remove!
Product: Money transfer, virtual currency, or money service

Cash app my biweekly check was going to this account and one day I was trying to pay a bill but it stating that no funds available. I XXXX  contact information I given a number when I got in contact with a agent he said he will help me with my problem. He asked for all my login info told my account is good know before I got off the phone my hold pay check gone. I almost had a XXXX XXXX. I tried calling back they will answer and hang up. Thats when I realize it was a fraud
Product: Credit reporting or other personal consumer reports

Company name : FORTIVA Address : XXXX XXXX XXXX XXXX XXXX XXXX Action taken : Closed the account immediately even though I was approved. Closed because they deceptively and fraudulently ran my credit.

Date of fraud occurrence : XX/XX/year> Date Account closed : XX/XX/year>
Product: Checking or savings account

XX/XX/year> My employer direct deposited my paycheck in the amount of {$190.00} and Chime says they cant release it ; although they acknowledged having it and proof of paystub provided. The reason provided was due to a typographical error blaming the employer. I questioned because the banking provided for direct deposit came from a downloadable prefilled Chime Direct Deposit statement. The employer was notified and has stated they have to go by whats on official documentation or a live and voided check. 
The amount may seem minor, and the complaint may even seem petty ; but, recovering from two major hurricanes, lets just say, every cent matters! Especially, when its hard earned. This has cause much stress on top of disaster. Terrible!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ideal collection Service has committed serious violations under the Fair Debt Collection Act and the Fair Reporting Act as well as willful non-compliance of XXXX XXXX reporting. On XX/XX/2021 sent certified letter to Ideal Collections to validate the Debt that was they were reporting only to XXXX on my Credit report, from the beginning this account is not in compliance with XXXX XXXX reporting. Ideal Collections is the Data Furnisher and they are reporting inaccurate, erroneous and missing information. I received a copy of a lease along with a letter stating that they had noted my account as disputed. ( See copies of credit report at the time I requested validation, copy of letter requesting validation and copy of letter stating account will be marked as disputed. ) On XX/XX/2021 I sent another certified letter to Ideal Collections informing them I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. ( see copy of letter, copy of report showing account is not marked as disputed with XXXX. This account was added to XXXX and XXXX now all 3 bureaus is furnishing inaccurate, erroneous and missing information. My guess is it was added to XXXX and XXXX as some type of punishment. The important thing is there are willful and continuous violations being done by Ideal Collection Service. On XX/XX/2021 sent certified letter to Ideal Collections requesting Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. My request was ignored. ( See attached copy of certified letter sent, copy of Ideal Collections to the 3 bureaus for the month of XXXX reporting. Still a pattern of will non -compliance of XXXX  XXXX and all 3 bureaus not marked as disputed. ( Print out of my recent updated credit report and the account is still not marked with the consumer dispute. ) I am a XXXX veteran and the actions of the company has caused me a great deal of harm when it is viewed by a creditors.
Product: Mortgage

SLS LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX ***THIS IS NOT A DUPLICATE COMPLAINT XXXX XXXX DIRECTLY REQUESTED THAT WE FILE THIS WITH CFPB, OCC , XXXX AND XXXX XXXX  OFFICE. 

The short sale was started XX/XX/XXXX with SLS. ( ( Please see previous CFPB complaints that have been cross-filed with XXXX XXXX, XXXX and XXXX XXXX office, attached. ) ) Today, XX/XX/XXXX SLSs Underwriting Department required a cash contribution from the borrower. This request is a violation of California State Law. Additionally, the borrower is a minority. SLS has no regard for Federal or State Law, nor servicing guidelines. 

**All of this is well after the buyer accepted their most recent counter offer on XX/XX/XXXX. This should never have gone back to underwriting review it should have gone out for an approval, since the counter offer was met. This is just another example of SLS dragging out decisioning to line their pockets with increased default servicing fees. 

SLS has already been fined for these same issues, yet they keep violating Federal and State Law. When is something going to be done about this? 


CC : 1. XXXX XXXX 2. OAG 3. XXXX XXXXs 4. OCC