23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had this account since XX/XX/XXXX when we moved into our home. I opened an 18-month interest-free account for furniture. I received a notice that some of my bills through bill pay were not going through for about 4 of my accounts. I started researching and calling around and noticed that on XXXX, I saw that I was paying interest and was not supposed to per my contract. Then within that same year, I received a letter stating that my account had closed, I called to ask why it would close and I am still making on-time payments on my account. I never got an answer, but they told me to upload all my documents into synchrony account and wait for someone to contact me. When I noticed no one had reached out to answer why the account closed and why have I paid interest on an interest-free 18-month loan, I realized I could no longer get online. By this time, I had always paid more to my accounts and the monthly was {$80.00}. I reached out to the bank and asked why my payments arent being received per the rep statement from Synchrony. I explained that it was autopay through my bank and uploaded it to the system for review. My XXXX payment showed that it was sent but I am waiting for the other party to add it to my account. She also stated that they were electronically sent so they should have had it by now ( XXXX ). Along with these payments of {$80.00}, they always added {$41.00} interest and other fees. Now I can give you all the dates that I can see from my side, but the banker showed they had it but was not added to their account. The company does not answer my calls or messages. Do not forget that they closed my account prematurely as well. So, as I was waiting, trying not to confuse the situation with the back and forth between the two companies, XXXX stated they would send the document and I uploaded it for the second time. I got no answer, so I went ahead and started sending payments that I could see without ordering more paperwork. Please tell me why interest is still on my account, they closed my account prematurely, and my statements all have the amount due over {$80.00}? Also, they had me down for some kind of insurance and they never sent me the check back where I did not ask for that coverage being I have insurance with my job for if I lose a job they would make my payments. Please see below for payments. 

XX/XX/XXXX {$100.00} ( {$35.00} overpayment ) XX/XX/XXXX {$80.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$80.00} XX/XX/XXXX Never was entered XX/XX/XXXX {$80.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$430.00} XX/XX/XXXX {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed XXXX XXXX a letter dated XX/XX/2019 demanding that they update incorrect reporting to all three credit reporting agencies. XXXX XXXX mailed me a response dated XX/XX/2019 requesting information from me which I had previously mailed in my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking over my report today and I noticed some unusual activity once I notice this unusual activity I created a FTC report and I contacted the creditors multiple times they never provided me any information at all!!!!!! Inaccurate items on report should be removed the dates, and amounts dont add up either. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiries I do not notice XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

On XX/XX/XXXX my XXXX  was stolen from my handbad on the XXXX XXXX going home after returning from shopping at XXXX. I did not notice it was stolen until after I was home for a while. My computer and XXXX  stopped working. The thief changed my password on my phone and got into all my apps to get money. XXXX was the first one that I noticed that had activity of {$4900.00} taken out of my XXXX debit card. I notifed XXXX as soon as I noticed this transaction and also called XXXX to report it. Also called the police the next day. They came over and took the report and gave me. report # XXXX and it was put down as XXXX XXXX Then I decided to check my Discover credit card and noticed that there were chafes of {$1400.00} on my account. I called Discover and they took the charges of and sent me a letter to sign an affivdavid and I did and sent them a copy of the police report from Police department XXXX. The police report did not put the amount of Discover card because I was waiting to hear from Discover if there were more charges. It turns out there were not. I went over to the police department after I signed the afadavid and gave the XXXX XXXX a copy of the affavid with the charges. I got the report before the charges were submitted. I received a letter dated XX/XX/XXXX from Discover Card stating that they did not see any indication of Fraud and have put the charges back on my account and told me that I am responsible for these charges. I called to complain and they opened the case again for review. They mentioned that the detective did not return their call regarding the case. It turns out he went on paternity leave and will be back XX/XX/XXXX. I am waiting to hear what happens after he contacts them. Feeling extremely dispointed in Discover card as I have been a loyal client for many years. The expenses that are disputed are not my typical of the charges that are normal for me.
Product: Debt collection

The letter is dated XX/XX/XXXX, however I just received this notice of a debt collection from Vital recovery service for a debt from XXXX. I never heard from XXXX or received anything just this notice that I got from my family today XX/XX/XXXX. It states I owe for excessive wear and tear and unpaid lease payments but I paid all the lease payments and there was no excessive wear and tear to the car. When I turned in the car I was not told of any unpaid lease payments of any kind. I stayed up to date on all payments, therefore this is odd and unexpected. I had an inspection done on the car prior to turning it in. The car was ranked under good conditions, inspection person did state that the rims on the tires may be counted as excessive wear and tear due to minor scratches, however, he did state this can be disputed because the rims stick out past the tires due to the rims not properly fittings the tire size. I called XXXX  regarding my concern prior to turning in the car and stated that the rims they installed are not the standard and are after market part which doesnt properly fit on the tires and stick out beyond normal which will cause scarthes for any minor or slight bump on a curb or just driving on a road that may have loose gravel. I also informed Nissian that if they should try to make me Pay for something thats their fault for installing rims that stick out past what they should the. I want to disput the charges. XXXX never extended me the courtesy to call, email, mail or notify me of their intent to charge me for anything. They sent this to collection without giving me proper notice, or even giving me the chance to resolve the problem. I heard nothing from XXXX or about this until it was already in collections. This is not fair to me as a consumer. I want an investigation and to take this matter to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please don't ignore my request to repair the following items that are harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom this may concern. 

I recently received a copy of my XXXX XXXX and XXXX credit report and I noticed some late payments posted on my credit report. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law .15 U.S.C. 1681b, Permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

Did I give you written instructions to report this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C 1581a ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; Delete the above account from my credit report. This agency is in violation of 15 U.S.C 1681a.

Failure to response I would take legal actions under 15 U.S.C 1681n Seeking a {$1000.00} for each Violation.
Product: Checking or savings account

Every check I deposit they hold for longer than 10days. When I ask why I dont get an answer. System says that the checks I deposit are at risk of being returned..this is not the case. I have a business with reliable and credit worthy clients. Truist bank is using that excuse to hold my funds. Its a business account and I cant run a business if they continue to hold my funds for long periods of time. It needs to stop. I want my funds deposited and made available to me the next day like everyone else.
Product: Credit card

I have been making payments since XXXX my balance is still over a XXXX none of my payments have been going to the balance what am I paying its XXXX and the balance paid only show XXXX this needs to be investigated I closed my account
Product: Credit card

In XXXX, I had a XXXX XXXX Credit card. This card was used fraudulently and a large amount was on the card. I reported this to XXXX XXXX and they denied the fraud report and proceeded to debt collection. The debt was then turned over to Frederick J. Hanna & Associates located in XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX. I then started to receive phone calls that were very disrespectful and threatening. They would not stop harassing me. In XXXX I was apparently sued by Frederick J. Hanna & Associates. I was never notified about the suit that eventually went to default judgement against me. After the default judgement a lien was placed on my home that I was never aware of. I am now trying to refinance my home with a VA to VA loan and can not do this due to this lien. I am a XXXX XXXX Veteran on Social Security and have been taken advantage of by this law firm. I know they have violated The Consumer Credit Protection Act with the way they were doing business with my account. As I said before I was unaware of this judgement and lien until last week XXXX/XXXX/XXXX when I tried to refinance my home. 
Thank You,
Product: Credit card

I am disputing the collection account with TARGET/TD account number XXXX, dated XX/XX/2017, with a balance of {$210.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Mortgage

I sent and requested information from this alleged Trust. <P/><P/>Option One Mortgage Loan Trust XXXX - XXXX Asset Backed Certificates Series XXXX <P/>I get no financial documents to support a default or history of cash flows and relevant documents as per request under the QWR and Debt validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

EDFINANCIAL XXXX Installment Unknown XXXX XXXX, XXXX EDFINANCIAL XXXX Installment Unknown XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Installment Unknown XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Installment Unknown XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Installment Unknown XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - Installment Unknown XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - Installment Unknown XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - - - Installment Unknown XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CAVALRY PORTFOLIO ASSOCIATES - This collection agency has been reporting inaccurate information on my credit file since XX/XX/XXXX, violating my credit rights. I have made an attempt to contact the collection agency and they are not responding to my dispute. I do not owe this amount that were stating for {$3900.00} and {$670.00}. More importantly the collection agency were not able to provide me a validation of the debt even though I have requested this multiple times since XX/XX/XXXX. This is a clear validation of my credit rights, a degradation of my character, and a violation of FCRA.
Product: Credit reporting

I get XXXX accounts with XXXX with XXXX different amounts who supposed to be removed and still showing on my credit report with Equifax. I want this accounts to be closed and removed immediately on the 10 days turn around. When a company removed some account for a credit agency every credit agency should do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, sent a letter to the 3 bureaus asking them to look into an item on my report that is false and misleading. It has been over 45 days since i sent my letter to XXXX, Equifax and XXXX. I have not heard back yet. I am aware that the bureaus have 30 day to investigate and send me an updated report with their response or they have to delete the items from my credit report.
Product: Credit card

On XX/XX/year> I received a phone call from TD Bank regarding suspicious transactions on my credit card. While on the phone with TD Bank, I reviewed my Credit and Debit Card activity and saw 3 transactions that I did not make. The first was on XX/XX/year> at XXXX on my credit card ending in XXXX for {$310.00}. The second was on XX/XX/year> at XXXX on my Credit Card ending in XXXX in the amount of {$630.00}. This totaled {$950.00} in total charges that I was aware of at the time and reported to TD Bank as fraud. 

TD Bank canceled my credit card and started a dispute claim for these transactions XXXX, which was denied. We went to the local branch in XXXX XXXX, MA and refiled the claim XXXX, which was denied. We requested information on how this decision was made and requested documentation. The only information provided was the merchant 's phone number ( XXXX ). At no time did TD Bank and / or their credit card vendor supply myself and the joint account holder, XXXX XXXX any further information. Through the phone number given, WE were able to track down the business, which is located at XXXX XXXX XXXX, XXXX, MA at the XXXX XXXX XXXX. I went to this business and requested documentation and was provided two receipts having 3 transactions. In addition, to the two credit card transactions, there was a third associated with my debit card ending in XXXX. 

On XX/XX/year> we filed a police report with the XXXX Police in XXXX, MA to file a credit card fraud report. Once we received a copy of the police report we then refiled another appeal, XXXX, which was denied again. 

We went to the XXXX branch for advice on the matter and XXXX TD Bank branch recommended that we go back to XXXX XXXX and file another appeal. We went back to XXXX XXXX and spoke with employee XXXX and the branch manager and requested them to contact their credit card vendor as request further information as we believed that we provided the receipts and police report. TD Bank still refused to provide any documentation on how they continued to denied the dispute claims. We then filed another dispute for the credit card transactions XXXX, which was denied and one for the debit card transaction on XX/XX/year> at XXXX, XXXX, which remains open as XX/XX/year>. 

I maintain that I never entered the merchant 's place of business until we were able to determine the merchant 's place of business through our own investigation and not the help of TD Bank 's. This was to obtain the receipts to assist in the investigation that TD Bank failed to do when researching our claim dispute. 

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

2 weeks ago NO action # XXXX I never got a response from you people. NOW once again these XXXX XXXX XXXX at experian are still blundering away with some flim-flam scam of fraudulent new claims or new collections on what exactly?! # These XXXX XXXX charge and collect a fee then allow anyone to harass cheat enrage me with malignant unproven collections!!! This garbage is NOT new!!!! I just got informed from XXXX   part of XXXX 's breach and free monitoringof my credit reports!!! WHY are these XXXX at experian blundering away with phony fraudulent claims of collections?! # I never received any mail from XXXX at XXXX XXXX XXXX? Collecting what and for who? All bad debt has already been charged off by everyone, can only be there 3 more years. Obviously this must be those corrupt and petty thieves at XXXX still trying to cheat and aggravate me!! I told you countless times XXXX never refunded or credited me my ( 3 ) lines and {$680.00} in advance payments they stolen??? Plus these XXXX cramming/deceit infamous lawsuit. They thought they couldget away with scamming me with that worthless XXXX tablet that I sent back within 14 days, continued to scam me with overcharges duplicate billing for trying there unpopular countless complaints about XXXX tablet. I had to write california attorney general countless times before I got some phony and specious credit. NOW these XXXX XXXX state settled in my credit report and yet still continue with these vile scandalous collections
Product: Credit card or prepaid card

Good Afternoon Barclays XXXX XXXX XXXX XXXX was shocked when I reviewed my credit report and found late payment both on XXXX and XXXX of this year 2022 for 30 days late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me on my current address of XXXX XXXX XXXX XXXX XXXX MA, and i've already gave this to several of your representatives at the store.
Product: Mortgage

This advertisement does not give rates, APR or what other costs are involved. Also, I am not sure if they will help me because the size of home I want to purchase doesn't meet their specifications? Will they only help me if I have enough money to buy a home worth a certain amount?
Product: Vehicle loan or lease

To Whom It May Concern, I am writing to file a formal complaint against Westlake Financial for their unlawful and predatory practices regarding my auto loan account ( Account No. XXXX ). I am a XXXX man who has been diligently paying my loan for my XXXX  XXXX XXXX, even paying months in advance at times. However, due to my inability to work and financial hardship, I fell behind on my payments. 

Despite my efforts to communicate with Westlake Financial and request assistance to restart and catch up on my account, I was never informed that my account was being charged off. I only discovered this when I received a settlement offer demanding a lump sum payment of XXXX, XXXX t o r e s o l v e a n o u t s t a n d i n g b a l a n c e o f XXXX. This is unacceptable and unlawful. 

Key Issues : Lack of Communication : Westlake Financial charged off my account without notifying me via email, letter, or phone call. I was never given the opportunity to address the delinquency or make arrangements to bring the account current. 
Predatory Practices : The sudden demand for a lump sum payment is predatory and exploitative, especially given my age and financial situation. I am unable to pay this amount upfront and was never given the option to resume regular payments. 
Unlawful Charge-Off : Charging off an account without proper notice or opportunity to resolve the delinquency is a violation of consumer rights. This practice is harmful and unfair to consumers like me who are willing to work toward resolving their debts. 
Request for Resolution : I am requesting the following actions from Westlake Financial : Remove the Charge-Off Status : My account should not have been charged off without proper notice or opportunity to resolve the delinquency.

Allow Me to Resume Payments : I want to restart my payments and bring my account current. I am willing to work with Westlake Financial to establish a reasonable payment plan.

Provide Documentation : I request written documentation explaining why my account was charged off and how this decision was made without my knowledge.

Cease Predatory Practices : Westlake Financial must stop engaging in predatory practices that harm consumers, especially vulnerable individuals like myself. 
Background Information : Account Number : XXXX Vehicle : XXXX  XXXX XXXX Outstanding Balance : {$7200.00} Settlement Offer : {$5400.00} ( which I can not pay ) Contact Attempts : I have called Westlake Financial multiple times to request assistance but have been met with unhelpful responses and no resolution.

I am deeply distressed by Westlake Financials actions and their disregard for my rights as a consumer. I urge the CFPB to investigate this matter and ensure that Westlake Financial is held accountable for their unlawful and predatory practices. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

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

RE : Trafficking Block Request To Whom It XXXX Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX - XXXX - {$0.00} INQUIRIES : CLEAR MORTGA XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.