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

I refinanced my ally auto loan with my personal and I got the payoff check and called ally to get the right information to send the check. I read the address back multiple times and the guy said yes correct. I send the check on XX/XX/XXXX next day, I check tracking on the XXXX it shows delivered. The payoff was good until the XXXX so on the XXXX I check to see if check cleared and my ally account shows passed due, huh? So confused I call my bank and the inform me that ally cashed the check on XX/XX/XXXX. So now I call ally back and tell them about the check being cashed and nothing. They never have answers they cant tell me anything they act like there clueless and hang up the phone. I dont know what else to do I can give proof later if needed I dont want ally to see my information yet
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this account I am not liable for any debt with Midland credit Management inc collection system I do not have a contract with this company they did not provide me with the original contract as requested they continue to report negative and inaccurate information on my credit report which violates the FCRA
Product: Credit card or prepaid card

Regarding case number CFPB case ending in XXXX On XX/XX/XXXX, a letter was sent from Wellsfargo that the investigation was underway and I would receive a response. 
On XX/XX/XXXX, a letter was sent with an enclosed check for {$120.00}, dated the XXXX. The letter stated a separate response will be mailed detailing this regarding the credit card that has been closed. 
I contacted the listed person, XXXX XXXX for clarification and left a voicemail XX/XX/17. 
This can not be the amount to suffice a credit card opened for {$1500.00}. I was to receive my refund once the full {$140.00} was paid. Instead, it was closed and the money has still not been returned. 
In addition, this information is still reporting inaccurately on my XXXX and XXXX reports.
Product: Credit card or prepaid card

I was introduced to the idea of borrowing money for large purchases starting at the age of XXXX for a college tuition. Several years later, I took out a car loan, which was required to provide transportation to and from school and work. Following graduation, I opened a credit to begin planning an engagement ring purchase to propose to my current wife - the love of my life. 

In every instance mentioned above, borrowing money was necessitated by the amount of money available to me in order for me to exercise my constitutional rights to life, liberty, and pursuit of am happiness. 

While the standard American Dream of going to college, getting a job, getting married, buying a house, and having kids was deeply engrained in my life growing up, financial education was not. As a result, with only a piggy bank concept of saving, and an extremely basic idea of how interest worked, I was forced to opt in to predatory binding contracts in order to exercise my constitutional rights. 

Like many others before me, instead of helping to exercise multiple rights to life, liberty, and pursuit of happiness, the companies involved with the money I borrowed instead stripped these UNALIENABLE rights from me. Instead of focusing on the things that mattered, I was instead always focusing on money, and how I would make ends meet. 

One thing led to another, and before I knew it, there was no recovering from the debt I found myself in. I began making bad financial decisions because the good ones didnt seem to make any more of a difference to being financially free and independent. 

I am now separated from my wife, friends, and family, on the brink of homelessness, with {$15.00} in my bank account, and {$22000.00} worth of debt. I am tired, I am scared, I am lonely, and I am depressed. 

I now realize that I was never free with the education unrealistic dreams made available to me. I now realize that my tax money has never been responsibly used to address these issues in our society. I now realize that the land of the free means the land owned by the rich, and that the home of the brave means the poor people that live there. 

I would love more than anything to be proven wrong and to be given a fair chance at actually obtaining life, liberty, and happiness, but I no longer believe it will happen. The constitution is just an old piece of paper to me now ; the purpose and meaning has faded more than words ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing my credit score drop in  XXXX  points from mortgage inquiries. According to  XXXX  my on time payments are 100 %, my oldest credit line is 9 years, credit usage is 29 % and my new accounts in the last 2 years are  XXXX  and below average. I have been looking to pull more equity out of my home. I believe its current market value based off of comps is {$150000.00}. I have inquired twice with mortgage lenders,  XXXX   XXXX  and   XXXX   XXXX  . In  XXXX ,  XXXX  and  XXXX     2017 my  credit score was in the  XXXX . In  XXXX  it dropped by about  XXXX  points to about  XXXX  due to a mortgage inquiry on  XXXX   XXXX     2017. I   reached out to the agency to determine why it plummeted so far, and after hours online and on the phone posted a complaint. I did not like their terms or rates and inquired with   XXXX   XXXX   within  XXXX  weeks. I received a notice today from  XXXX   XXXX  indicating my Credit score is  XXXX . My credit wise shows it as dropping  XXXX  points to  XXXX , but will update in a week. I believe there is a major discrepancy and that while my score should have dropped a little,  XXXX  points is absurd. I have included the letters and info detailed above.
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, has violated my rights. on my Experian credit report ran XX/XX/2023 shows a late payment from XXXX  XXXX for XX/XX/2023. I reached out to XXXX  XXXX directly and ask as of goodwill to please remove the late payment. 
Which I received a letter back saying they are unable to change their reporting on a courtesy basis. 

I submitted a CFPB Complaint XX/XX/2023 requesting for the late fee to be removed. Experian respond back saying their records indicated that the accounts mentioned are showing up as an open and current account with no late payments reporting. 

That is incorrect as my report does in fact show a late payment for XX/XX/2023. Per my credit report Experian removed the late fee XX/XX/2023 but the late fee was later put back on my credit report. Which current the late fee for XX/XX/2023 is now showing on my report. 

Based on law. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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
Product: Money transfer, virtual currency, or money service

Bank of America is currently reconsidering a series of fraudulent transactions via XXXX  per CFPB XXXX. 
Today XX/XX/XXXX I receive a message say the research on re-investigation was completed. The letter was dated XXXX XXXX. 
However, Bank of America called me on XX/XX/XXXX around XXXX EST to ask for copy of the police report I filed ( even though I had faxed over copies previously to number they provided and had verbally given them police report number ). I comply and email them the report on XXXX XXXX. 
Based on this timeline issue, it seems bank of America is willingly closing investigations early and without all the facts in order to not pay back money stolen via fraud to their own customers ( despite Bank of Americas claim they do not hold their customer liable for fraud on their own website. 
This aligns with call I made to BoA on XX/XX/XXXX at XXXX where BoA agent admitted Bank of America usually closes their investigations previous to investigation period being completed. 

Below I have attached the letter I received XX/XX/XXXX but dated XX/XX/XXXX, a copy of the email I sent with police report to Bank of America XXXX XXXX ( Regulatory dept ) on XX/XX/XXXX, and email I sent today ( XX/XX/XXXX ) to bank of America XXXX XXXX noting this discrepancy.
Product: Credit reporting or other personal consumer reports

I reported an identity theft back in XXXX since then I noticed a charge off on my credit for a vehicle not purchased or authorized by me. I have filed several reports with all three credit bureaus to have this derogatory account removed and to date in XXXX they still have refused to remove this account. I am once again asking that this account be removed from my credit report on all three bureaus it has been investigated as an identity theft I have attached police reports as well as other identity theft reports. I need for this to be removed immediately in the interest of my job. I can not have derogatory marks of any kind on my credit. 

The name of the Company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I also have several incorrect spelling of my name names that I've never used and addresses that are incorrect that I am also listing below. The addresses and names listed below are incorrect, and should be removed from my credit report : XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX
Product: Debt collection

I have been going back & forth with XXXX for almost 2 year now. Since I changed carriers they have been harassing me & going after my credit. 
They are stating I owe money?? I asking for my signed contract & payment history. They kept telling me they cant. They in turn sent my account to XXXX XXXX XXXX Again I asked for my signed contract & Payment history with several recorded calls & in writing with certified mail. They also went on my credit report & I was able to get the account disputed off as they would not provide it to them neither. 
Now they sent my account to Diversified Adjustment Services , Inc. now almost a 2 years later after I send them a certified letter requesting my contract & payment history. A contract appears but that is NOT my signature nor initials. I am not saying I didnt sign a contract but I did NOt sign this one. Nor did they sent my payment history.
Product: Credit card or prepaid card

On XX/XX/XXXX I mailed them a payment totaling XXXX, which was the balance of the statement dated XXXX. The mail was stolen out of the USPS system and someone fraudulently cashed the check. ( still working with XXXX Bank on this and it hasn't been easy ) This was not the fault of Synchrony however because the payment never made it I was subject to interest and late fee. These fees showed up on my statement dated XXXX. I called on XXXX and they reversed them and I paid the past due balance. 

The statement which would have been dated XXXX was either never sent to me or I didn't receive it through the USPS ( I didn't have an online account with them at the time ) so I had no way to know money was owed since I only use the account every so often. They texted me XXXX about a past due payment. I created an online account since their phone system is awful. I tried to pull the missed statement on their online portal but they don't post statements online ( only bank I have ever seen that doesn't give PDFs of statements ). I then called this morning to try and resolve the issue and they said they can't due anything and the account is now " an attempt to collect the debt ''. I have almost perfect credit and this company is not willing to work with me. They stated they can't waive the fee even though they didn't send me a statement and their own online portal doesn't allow anyone to pull a statement. They also said they can't waive the interest because the account is past due. She then asked when I would be making the past due payment and I advised I needed to see something in writing since they haven't sent me anything yet. 

I am reaching out to CFPB because this company failed to send me a statement to collect payment and is now blaming me. I understand the check theft isn't their fault and appreciate they worked with me then, but now that payment was not received because of them they are essentially blaming me. My next step once I receive something in writing from them is to push back in writing contesting everything since they have no proof a statement at the end of XXXX was ever issued. ( Since I can't pull it online and they didn't send one in the mail ). 

All I want is to close this account ( which they said I have done ) and pay off the balance for actual charges I made.
Product: Debt collection

I was not a resident at the property for over a year and my ex wife the tenant caused damages to the home and said it was XXXX to fix and all of a sudden I got hit with XXXX XXXX on my credit without any notice or chance to pay or fix the issue. I had been living in Florida over a year and her in the property for that time. I was never notified or given a chance to pay or fix the issue they just hit my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX SUBMITTED 2 FORMS OF identification Proof of address ALONG WITH FTC AFFIDAVIT ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ;
Product: Payday loan, title loan, personal loan, or advance loan

Currently have XXXX active personal loans with Pentagon Federal Credit Union, I call to make payments over the phone. 

Call center representatives of the creditor have repeatedly provided me with incorrect due dates for payments that are weeks or months in the future, leaving me to believe my account will remain in good standing and will not accrue any late fees. 

Pentagon Federal Credit Union has repeatedly charged me late fees, reported my account as late to the credit boroughs and will not respond to repeated emails, letters or inquires concerning the matter. 

Customer associates have also failed to fully process payments and have admitted to their mistakes. 


The most recent payment on XX/XX/year> a call center representative informed me that my accounts Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This is obviously inaccurate information, I would like the creditor to refund late fees charged to my account and reverse late payments. 

Funds were drafted from my banking account as payments yet fees are still charged and account are still reported as late.
Product: Credit card or prepaid card

I paid off the balance on my Torrid Credit card last month on XXXX XXXX, 2022. I received another bill from them stating that they were charging me two late payments and a {$1.00} interest payment and also a finance payment. When I called in to the credit card company they said they charged me both late payments because I was late. I was not late and when I paid online I marked the box that said pay full statement off. The credit card company did nothing to look into fixing anything.
Product: Checking or savings account

XX/XX/16 Found out my SunTrust bank in XXXX  XXXX XXXX, Florida had merged with others and because one of my beneficiaries banks at Sun Trust in XXXX, Georgia that was changing to XXXX XXXX  they snagged my account and were getting ready to send it to Georgia. I contacted my bank here and said no I did not want my account moved. They said I had no choice. I said you mean my beneficiaries take precedence over me. 
That makes no sense. Is using a Social Security number like that legal? 
The same thing happened to my aunt. 
It was going to happen on the XXXX. I ran to the bank and closed my accounts. After I closed my account I checked online and had XXXX cents left in one account and XXXX cents left in another. This morning I got emails saying I had two overdrafts. One in each account and owed the bank XXXX on each account and must take care of them immediately or other charges would be added. 
One of these accounts was a savings account.
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. This account is in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the item nor done any level of investigation to support their position. I need this account removed due to the rules of estoppel. 
XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I'm trying to link my pnc bank account to the app XXXX and its not letting me.
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 ACOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX U S Department of Education XXXX XXXX XXXX
Product: Checking or savings account

Citi Bank Account was set for closure in XX/XX/XXXX with XXXX $ in my account. I called every other day they always say 30-60 days before I would receive a check. Its now XX/XX/XXXX and they still are saying the same thing. I just want my money from my account that was wrongfully closed. Have seen more people complain about the same situation. I can not log in to access my own account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are showing a XXXX XXXX Bankruptcy on my credit report. The XXXX XXXX Bankruptcy should be removed from my credit report because it's been discharged since XX/XX/XXXX  which was 13 years ago. 

XXXX XXXX Bankruptcy reference number XXXX filed XX/XX/XXXX  and discharged XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was Complete and accurate according to 15 USC 1681i ( 5 ) Ill wait 30 days and receive my info investigation and noticed everything was still the same. The consumer reporting agencies which is Equifax XXXX and XXXX XXXX did not modify or remove anything. The open day is not correct they last accurate is not correct on three credit report dates of the last payment is not correct on all three credit reports. Which is a violation this is impacting me from moving forward to buying a house for my family. I attach my previous credit report and my new credit report to show how XXXX XXXX XXXX Equifax violated my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts show on my credit reports, I do not owe money to these companies I'm asking for immediate deletion On my XXXX Report : Delete the XXXX XXXX  account ( # XXXX, opened XX/XX/XXXX ). 
Delete the BARCLAYSBK account ( # XXXX, opened XX/XX/XXXX ). 
Delete the XXXX XXXXXXXX account ( # XXXX, opened XX/XX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am bothered by the indifference of the Credit Reporting Agencies! I have been sending multiple written letters requesting that the Credit Bureaus investigate and update the status and information being reported by the following accounts on my Credit File. The accounts : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$1300.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance {$2200.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$310.00} Date opened XX/XX/XXXX ; are reporting erroneous information on my Credit File and I want to know where do the Credit Bureaus reference the information they report. Under the FCRA section 609 and 611, the Credit Bureaus are required to investigate and provide proofs of verification of any disputed accounts from my Credit Report. But despite all my efforts, the Credit Bureaus have done nothing! Their willful non-compliance with the FCRA is a clear violation of a consumer 's rights. I need the disputed accounts corrected immediately!
Product: Credit card or prepaid card

American Express has added two credit card add on products to my credit card. They are Lost Wallet Protector and Credit Secure. Both products are very similar and are sold by American Express. Neither add on was needed nor wanted. Since I did not sign up for these products, they were never used and no benefit was ever received. I am a senior citizen on a fixed income and have limited ability to communicate in English since Spanish is my primary language. I have been retired for many years and only found out this month that both charges were for credit / identity monitoring services. Credit Secure started charging on XX/XX/XXXX and charged {$14.00} every month thru XX/XX/XXXX. I did not ask for the service to be started or stopped. Furthermore, this service is online and I never even logged on to see it since I have limited digital abilities. Lost Wallet Protector was also charged {$39.00} to the same credit card. After calling American Express, I found out that until XX/XX/XXXX it was charged yearly. American Express would not tell me when these charges began but I found them every year since at least XX/XX/XXXX. Previous years were probably charged, I just don't have copies of those statements to verify it. I did not ask for Lost Wallet Protector nor did I cancel it since I was not aware of it.
Product: Debt collection

our lease expired for XXXX XXXX and we moved out of the state of Massachusetts and moved to the state of XXXX. We were informed by a XXXX XXXX neighbor that there were squatters in the XXXX XXXX  apartment I was told they were named XXXX and XXXX XXXX. It's unfortunate that they moved into the apartment without the consent of XXXX XXXX but once our lease was up it was NOT OUR RESPONSIBILITY ANYMORE. This is not my debt I was living in the state of Oklahoma when the so called charges incurred. I have included documentation proving my Oklahoma residency in the form of a lease agreement and I've also included my most recent picture ID when i tried to prove my case with the company the company name is Hunter Warfield and they have called me and called me and called me, they have been very rude and very threatening in nature during this entire process