23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My card got locked for " security purposes '' when I tried to transfer money to my bank account in the beginning of XX/XX/2020. I called to resolve the problem and they said they needed ID verification and gave me a number to fax it to and my card ID to identify my account. I sent it twice after seeing my account was still locked after almost 2 weeks. I called back again and they said they would request to find the fax. I gave them the time and date of when I sent the last fax which I believe was on XX/XX/2020. They said it would take around 5 days to retrieve it and unlock my account. I called back a week after and my account was still locked. When I asked again what else I could do, they hung up on me. Almost every time I called I waited from 35-50 minutes for an answer and some of the times, it sounded like someone hung up before even answering after around 40 minutes. I wrote a letter possibly 3-5 weeks ago explaining the issue and asking for it to be fixed along with the confirmation paper of my last fax in XX/XX/XXXX that showed the picture of my ID, yet my card is still unlocked. I called earlier and was on the line for 44 minutes waiting for an answer just to have the call disconnected as if someone hung up again, when answering. This problem has been going on too long and I don't find any other solution. Attached is a picture of my drivers license.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute on XX/XX/21 and still have not heard back. I also sent a demand to comply letter on XX/XX/21 and have not received a response.
Product: Money transfer, virtual currency, or money service

Went into an Ace Cash Express # XXXX at XXXXXXXX XXXX  XXXX XXXX XXXX, CA on Sunday XX/XX/XXXX Sunday and gave them {$620.00} to make a rent payment. The money was to be transmitted to an account number provided by a detailed invoice that had account number and biller name. Provided all the information and when the receipt was printed it didn't have any of the information that the receipts normally have in the same area. The store was about to close in 40 minutes. 
So if the receipt is missing vital information, that raises a red alarm. So when asked for a refund as soon as the receipt was given, the csr lady said it would not be a problem. The problem was that her manager had to approve the refund. Well she called the manager Named XXXX XXXX and when she explained the situation over the phone, XXXX XXXX told her to tell the customers to come back tomorrow and hung up. The refund was not guaranted either, it's just come back tomorrow. So after giving someone {$620.00} we are not going to walk away with any kind reassurance. We asked for a refund and the money has not been wired yet. How am I going to trust the same business that just acted like that. So the lady kept on calling and calling for ace corporate or any others manager. XXXX would not answer his phone or anything. So finally she got a hold of a lady manager and that lady finally responded and talked with me. I had her call me and she took my number, we left the store 20 minutes after closing. Then to make things worse there are people XXXX XXXX outside the store. Overall this situation was mishandled and should have been resolved really easy. Instead it was mishandled in the most irresponsible and lazy way possible by XXXX XXXX. It wasted everyone 's time money and the stress was so high the other customers couldn't even get proper service. I am still waiting for my XXXX call from the manager or a refund. There is no moral to this story, it's just someone being irresponsible and lazy. I've attached a photo of someone XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent, inaccurate information to my consumer banking reports. They are reporting negative information about accounts that are fraudulent and do not belong to me. The company must remove these fraudulent accounts from my Early Warning reports immediately. These accounts are fraudulent and have been reported for identity theft.
Product: Mortgage

I have two loans with Bank of America. A first mortgage with no late payments for {$330000.00} and a second mortgage that had a balloon payment due on XX/XX/XXXX for {$35000.00}. In anticipation of me having difficulties coming up with {$35000.00} for almost a year before the balloon was due, I had been requesting assistance from Bank of America to work out a modification for the second loan as, again, I knew I would not have the lump sum of {$35000.00} that came due on XX/XX/XXXX. Only after the balloon payment was due and I did not pay it, Bank of America created a portal for me to upload all pertinent information to work out the second loan. Again I state, the first loan has NEVER had a late payment and has never been the issue. However, I received a letter on Saturday XX/XX/XXXX that was mailed by Bank of America on XX/XX/XXXX, stating that my first loan can not be modified as I do n't meet the " hardship '' definition and that my only option is a " short sale ''!!!!!! I want to be clear in stating that at no time have I EVER applied for a modification on the first loan. I simply wanted to workout my second loan with a balloon payment of {$35000.00} with Bank of American whom I had been trying to correspond with for a number of months and which has only been acknowledged since XX/XX/XXXX when the balloon payment was not paid. Bank of America is blatantly refusing to workout the second loan, by simply calling the first loan the problem when in fact, it is not a problem and has never been a problem for me to pay. I have every intention of keeping my home. However, I find Bank of America to be extremely difficult to work with. I have consistently shown good faith in trying to satisfy the debt on the second loan. I just do n't have the {$35000.00} balloon payment. The bank has shown a mere sterile and statistical approach to my predicament bordering on acting in bad faith. I had been working with a non for profit company to act on my behalf but, they too have met the same resistance from this large yet, impersonal, highly bureaucratic and disorganized banking institution. I have complied a fairly large file with personal information, i.e emails, letters, requests and proof of payment for anyone in your organization who may want to see it.
Product: Vehicle loan or lease

On the day of XX/XX/2020, I went to an dealership to purchase a care for the use of work and school. The car that was sold to me was an XXXX XXXX XX/XX/XXXXXX/XX/XXXX. The dealership sold me the car for the price of XXXX with monthly payments of {$430.00} with and interest rate of 22 %. Not making the right decision of actually looking around. The down payment that I had put on the car was {$1800.00} with only putting down {$1400.00} and owing {$300.00} which i payed. I am now paying an overall amount of {$32000.00} for the car over the period of 72 months. The dealership really conned me out of this deal as when i went back to discuss the situation they couldn't do or say anything but it was to late after bringing the car back 2 1/2 days later. My interest rate is really extreme and i want to be able to fix this if possible. On the day of XX/XX/2020, i went to get my car registered and I couldn't because I needed the title so i contacted the dealership. I spoke with the woman that signed off on my documents and she sounded very qwerky as if in a it is what it is voice. I told her i needed the title to register my car and she said the wasn't possible because they were still " processing '' that and other items. This dealership isn't the best one to buy a car from and this will be my LAST time. This was my first car to have ever bought and my first car period and my experience has been horrible even finding an affordable insurance. Hopefully someone can help me.!?
Product: Debt collection

I demand from PayPal that whatever amount they have received in the account XXXX, any credit transaction in this account I demand that it be remitted to the original credit, since this account was sold without my consent to XXXX XXXX XXXX. Violation 15 USC 1692e ( 6 ) The false representation or implication that a sale, referral or other transfer of any interest in a debt will cause the consumer. I have never consented to PayPal to sell any alleged debt. And to tell you that your information is incorrect, I have never had an account with XXXX  XXXX bank, it is false that I made a payment to you from a XXXX  XXXX  XXXX  account. they will have to prove that information because it is false.
Product: Debt collection

I have reached out to Portfolio Recovery Associates, XXXX three times via certified mail over the past three months. I have asked on all three certified mail letters that this debt is not correct and that I would like to have removed from my credit report. I have only had one letter come back to say that the dispute has been reported and that this bill is correct. I responded back via certified mail that I would like to know the procedure used to determine the accuracy and completeness of the information is requested within 15 days of the reinvestigation. I asked for names, addresses and telephone numbers of each person contacted regarding this alleged account. I also asked for any documents to be provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. I also made clear that any automated response or XXXX verification is unacceptable as verification. I have not received any such clarification from Portfolio Recovery Associates, XXXX to this day. This is clearly a violation of the Fair Credit Reporting Act and if not resolved, I will be forced to take action in a small claims lawsuit.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused severe XXXX upon me and found that accounts that I had reported as fraud and identity theft are still open and reporting on my report. On XX/XX/year> sent in my FTC identity theft report and police report, placed a fraud alert on my credit files, and requested that the furnishers STOP reporting accounts that were opened fraudulently, despite their reckless, careless investigation. I have provided the companies with proof of identity theft of my personal information and a police report. I also reported the suspect XXXX XXXX who stole and had access to all of my personal information while Living with me. According to FCRA, everything HAS to be 100 % accurate on my credit report and these accounts violate not reporting 100 % accuracy. Furnishers & Bureaus need to be held accountable for reporting false and inaccurate information that they CAN NOT 100 % verify. 

I have attached the following documents sent to the Discover on XX/XX/year> : FTC Identity theft affidavit/report Police Report Signature confirmation that the bureau received the supporting documents.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 

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

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX5 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX BANK NA # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX COLLECTION XXXX # XXXX XXXX XXXX : XXXX XXXX XXXX XX/XX/year> AUTOMOTIVE CREDIT XXXX XX/XX/year> XXXX XXXX XXXX OF XX/XX/year> XXXX XXXX XX/XX/year> XXXX ACCEPTANCE XX/XX/year> XXXX XXXXT XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 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 of 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

on XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), of the FCRA, it states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.
Product: Mortgage

Payment made on XX/XX/2018 to mortgage company in the amount of {$1800.00}. This payment was for the due date XX/XX/2018. This payment was credited to XX/XX/2018. 

A mortgage servicer took over the mortgage. 

The payment due XX/XX/2018 was made on XX/XX/2018 to the mortgage servicer in the amount of {$1800.00}. The mortgage servicer credited this payment to XX/XX/2018. 

Numerous attempts ( 13 phone calls and 3 emails ) have been made to get the servicer to apply the payment made on XX/XX/2018 correctly. To date, they continue to say " it is being researched ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX HAS RECENTLY VIOLATED THE F.C.R.A., ILLEGALLY DEPICTING XXXX XXXX  ACCOUNT NO. XXXX IN A TEXTBOOK EXAMPLE OF RE-AGING BY THEIR DEPICTION OF THE PAYMENT HISTORY.THIS VIOLATION CARRIES A {$1000.00} PENALTY WITHOUT PROOF OF INTENTIONAL NEGLIGENCE. 
THE PROOF OF MY ALLEGATIONS ARE ATTACHED. 
UNLESS THE ACCOUNT IS DELETED PROMPTLY I WILL CONTINUE TO ACCUMULATE FALSE VERIFICATIONS UNTIL I HAVE EXCEEDED THE SMALL CLAIMS COURT LIMIT OF {$10000.00} IN STATUTORY DAMAGES AND PROCEED TO COURT TO OBTAIN A JUST JUDGMENT AGAINST EQUIFAX AND XXXX
Product: Credit reporting or other personal consumer reports

I DID NOT AUTHORIZE THIS INQUIRY XXXX XXXX XXXX XXXX XX/XX/year> ( TRANSUNION ) XXXX XXXX  XX/XX/year> ( EQUIFAX ) XXXX XXXX XXXX XXXX XXXX  XX/XX/year> ( EXPERIAN )
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX XXXX Acct # XXXX on XX/XX/2020by sending them a Debt Validation letter. They never responded. On XXXX I also sent Experian an letter to Verify the XXXX XXXX XXXX account. XXXX XXXX XXXX verified with Experian but not with me. XXXX did not post on my credit report that I had disputed the account. Experian should not have been able to verify an account that I was disputing with the creditor. I sent another letter to Experian on XXXX asking for verification of account and said XXXX had removed the account. I sent a letter on XXXX to Experian stating that the Date of Last active with Experian and XXXX XXXX were not the same. Keep in mind I still have not heard from XXXX XXXX XXXX yet for verification of debt. OnXX/XX/2020 I sent Experian a letter stating that the Date of Last active was not correct, The date account was opened was not correct and the comments were not correct. This was based off what XXXX XXXX and Experian were posting. On XXXX I filed a complaint against Experian with the Attorney General of Indiana for not following the FCRA in handling my complaints. On XXXX I sent certified XXXX XXXX XXXX a Debt Validation Letter. No response so far and they have not contacted Experian that I am disputing them. my Credit report does not reflect it either. Also Experian contacted XXXX XXXX XXXX once again during this Dispute and XXXX Verified the debt knowing I was disputing the debt. They reported the debt as valid to Experian and Experian posted onXX/XX/2020that XXXX XXXX XXXX Certified that the information was accurate. I still have not heard from XXXX XXXX XXXX about my dispute letters at all.
Product: Credit reporting or other personal consumer reports

In my previous complaint, I reported a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). Despite filing the complaint, I did not receive any documentation or evidence from the company involved. The company in question communicated with me in a manner that I believe is in direct violation of 15 USC 1692c, which restricts the manner and means by which debt collectors may contact consumers. 

I took action by formally requesting the removal of the associated collection account from my credit report due to this violation. However, to date, no response or corrective action has been taken by the company, and the collection account remains on my credit report. 

I am requesting that the company provide the necessary documentation or evidence related to this matter and immediately remove the collection account from my credit report. The lack of response and resolution is deeply concerning, and I seek prompt action to rectify this issue.
Product: Student loan

On XX/XX/22, I requested refunds on all payments made towards the student loans during the payment pause phase covered by the Cares Act. Attempted to call and email numerous times since XX/XX/22, but haven't received any update.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE NO IDEA WHO WOULD HAVE BEEN ABLE TO DO THIS TO MY CREDIT. I HAVE NOW BECOME A VICTIM OF IDENTITY THEFT BECAUSE I AM SURE THE ACCOUNT AND INQUIRIES BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. DO KEEP IN MIND THAT THE ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME.
Product: Debt collection

I received a notice of a debt that was supposedly from XXXX from Assured Financial out of XXXX XXXX. 
I called to talk with someone, XXXX, answered the call and became abusive and enraged as it tried to explain to her. 
After calling me names she hung up. 
I tried 3 more times to explain to her, but she hung up each time. 
This was supposed for a knee brace. I have XXXX and two co insurances that paid with notice that nothing else is owing. 
I deeply resent the implication that I am senile and stupid.
Product: Student loan

The enrollment officer used a high pressure sales pitch that put emphasis on the fact that classes were filling up quickly, and that if I didnt act right away, I wouldnt be able to enroll or access financial aid. This occurred on XX/XX/year>. 

I was invited to what I thought was an information session. Instead, I was given a quick pre-enrollment exam, made to sit in their office for an hour for the results, and then pressured to enroll and seek financial aid. It was a very isolating and windowless environment. 
This all took place on the afternoon of XX/XX/year>. 

I have went to the admissions office for what I thought would be information session. Instead, they repeatedly advised me that if I wanted to be in the next semester class, it would be in my best interest to take the placement test. 

I took the test and while waiting for the results, they were still selling me on enrolling into the school and applying for financial aid and loans to cover the cost. It happened within a two hour period that covered the initial information session, the placement test, the enrollment application, and financial aid and loan application. 

During this time, I did not have any contact or communication with anyone besides the enrollment officer. I did not have a chance to discuss any enrollment decisions with any family or anyone else during this time period. It was almost like I was trapped in the admissions office. This all occurred in the XXXX XXXX XXXX in XXXX.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax, XXXX, XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 ( XXXX XXXX XXXX ) that was reported on XX/XX/year> in the amount of XXXX. has violated my rights NUMEROUS of times. 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 another person not being me applied for a credit card online to Creditor Name : XXXX XXXX XXXX. I received a letter from the creditor and I was informed that they would take care of the issue and remove the inquiry from all 3 bureaus. 
It has been more than 30 days and the inquiry is still reflecting on my credit report. By the way I was informed from creditor that the person who stole my identity input my information from Florida and I live in California,