23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, AZ XXXXPhoneXXXX contacted me concerning XXXX XXXX Account that was previously paid in full through a Debt Consolidation with XXXX XXXX XXXX. This is the same debt that a prior Debt collection Agency tried to collect on prior Complaint filed with CFPB and your agency cleared and closed. This company demanded payment of {$1000.00} but, would settle today for {$430.00} and turn the other for collection on my 2024 IRS. The Regional XXXX at Superlative RM informed me that Debt Consolidation Agencies do this all the time. Out of all my debt consolidated this is the only company. Dont think so. Please help me clear and close this awful practice.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Ive been trying to have XXXX remove an account from my credit report because I believe it belongs to my ex-husband. Ive asked them for proof and all they send is a singular statement which doesnt show the information that was used to obtain the account or my signature proving Im the one that signed up for it. My ex-husband had access to all my information, And I am trying to get everything corrected
Product: Credit reporting or other personal consumer reports

This evening, I discovered some unauthorized inquiries on my credit report, and Im completely at a loss as to why theyve appeared. I routinely monitor my credit report, but this time there were discrepancies that came out of nowhere. I refreshed my browser, hoping it was just a technical error, but the inquiries did not disappear. Im asking for a thorough review of the documents Ive provided so that I dont have to worry about this again.
Product: Credit card or prepaid card

On or about XX/XX/2022, someone who stole my identify applied for credit with Wells Fargo. 

I received a letter in the mail from Wells Fargo denying the application, but I have a hard inquiry on my reports now and also a denial of credit.
Product: Debt collection

This company " TRANSWORLD SYSTEMS INC. '' I am unaware of this debt. I didn't have the opportunity to dispute this debt. If in fact you believe you gave me proper notification to dispute this debt, then please send me the Certified Receipt with my name on it and my signature, give me method of validation of this debt, give me the process that you used to validate this debt and saying that its mine, belonging to me the " Affiant Signature '' here used below... 

" XXXX XXXX XXXX XXXX XXXX XXXX and Signature as stated above, I do not identify as no one else besides the " Affiant Signature '' and " Name '' stated above. I need all correspondence between you " TRANSWORLD SYSTEMS INC. '' and the original creditor, who you talk to, there phone numbers, there emails, there addresses, everything you have regarding this account and or debt. And by law you have 15. days to respond to me or you will assume I'm Right and Remove the Errors from my Credit Consumer Report and Update the account with a Paid in full status. Thank you in resolving this matter so promptly and efficiently. 


Sincerely Yours : XXXX XXXX
Product: Credit card or prepaid card

I have bought {$500.00} Vanilla Visa Gift Card from XXXX grocery store on XXXX XX/XX/2022 at XXXX pm. Card was approved at the XXXX and I got the receipt with approval/Auth. When I tried to use the card for making payment at Car repair shop it does not work and it was very humiliating for me. When I tried to check the balance on vanilla gift card website it was showing system error. After that I have tried to check the balance using the phone XXXX and the automated message told that there is some issue with Card and then talked to the customer care and share the card details but they are not able to resolve the issue. Moreover they are asking with me for more time, I have already made the payment for the card at the XXXX XXXX XXXX and still not able to use it. I hope that Consumer Financial Protection bureau will take proper action against Vanilla Visa Gift card company in this case.
Product: Student loan

I have been paying my loans on time for 5 years. This year only, AES began raising my minimum payments every month. They have raised my interest rates several times in the past 12 months causing my payment to increase significantly. Every month, they change either the loan repayment terms or increase the interest rate. It is getting to the point where I can not keep up with these payments. I have already started working a XXXX job to afford the {$420.00} loan payment that has increased up to {$440.00}. I have student loan accounts with XXXX other places. Those loan amounts are steadily decreasing, even the privately owned student loan debt. The loan debt owed to AES has been increasing significantly. I now owe significantly more than what I started with despite paying over the minimum. I do n't understand how this can work.
Product: Debt collection

I have been harassed weekly by this organization regarding this debt. It was explained to XXXX that I did not open this account. I am XXXX years old and did not realize a relative had used my Personal information. 

That relative is in the XXXX  XXXX  system for the next 10 years. This money was being taken from my social security check and was discovered when the relative was XXXX. 

I have written to XXXX including a certified letter with no response. I always pay my debts but this is not mine.
Product: Credit card or prepaid card

Avant credit card opened in XX/XX/2019. Never once had a Late payment! as I went to pay my monthly bill, I noticed TWO unauthorized charges from a XXXX seller account! I do NOT have any XXXX seller accounts with XXXX and do NOT use this card to buy XXXX purchases. I have in the past, but it was MONTHS ago! I do NOT have this card on my XXXX account. My XXXX was hacked into by a scammer, and now I have had to replace 2 credit cards my XXXX  and this Avant card due to these unauthorized charges from this XXXX seller stuff. I reported to Avant 3 days ago that these were NOT my charges and I have been a victim of identity theft. Even a scammer pretending to be my bank calling and texting me wanting my user ID for my bank account! I explained this to Avant and they proceeded to close the card and reissue a new card, but the balance still remains over the limit because of this FRAUD! theres TWO XXXX seller {$39.00} and a {$59.00} that need to be removed asap! And this has dramatically DROPPED my XXXX  score! Because Avant wants to report a fraudulent balance! How rude of them to do this to a long time customer, especially a customer that has made 100 % payments! I do not recommend this company after what they have done to me.
Product: Consumer Loan

I have a car loan with Santander Consumer USA in XXXX, TX. On XXXX XXXX, 2015 I attempted to buy a new vehicle at XXXX XXXX. XXXX Santander refused to give a pay off amount to XXXX XXXX saying my loan was in bankruptcy. That was incorrect. I had a previous bankruptcy that was discharged, and the vehicle in question was never included in the bankruptcy, yet they said it was and refused to give the pay off. I called them and they argued with me when I tried to clear the matter up. They finally gave a verbal pay off. XXXX XXXX said due to previous problems with Santander on verbal pay offs-they wanted it in writing. ( They said when they have had cars in bankruptcy ; they 've accepted a verbal XXXX day pay off, then sent them the money in time-yet Santander refused to send the title to XXXX XXXX saying more money was owed due to the bankruptcy. ) XXXX XXXX called requesting a written pay off and so did I several times and Santander refused. I even requested as the customer to fax it to me and they refused. I would call back and ask to speak to a supervisor and either be told none were available, or was transferred to voice mail ( Supervisor XXXX XXXX ) and I left messages to never receive a call back. I was hung up on XXXX-XXXX for explaining that the line I was speaking to them on was recorded ( I am a XXXX XXXX and all our lines are recorded ) when she heard that she told me " we can not be recorded, so now that you 've told me that, I 'm hanging up '' and did just that. Another hang up came when I told the representative I was filing a complaint with your agency in the event I was not allowed to purchase the car due to their failure to send a pay off ; she told me " now that you 've told me you 're filing a complaint-I am blocking you from accessing any information on your account, and I 'm hanging up on you '' and she did so. They NEVER did send a written pay off. Fortunately for me, XXXX XXXX accepted my old bankruptcy papers showing proof my trade in car was never in the bankruptcy, and they accepted the verbal pay off and let me purchase the new vehicle. Santander demonstrated HORRIBLE customer service to someone that had a car loan with them for XXXX years and they would always tell me I " was a valued customer ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : XXXX mortgage company has erroneously reported my mortgage payments late since XX/XX/XXXX until this date, XX/XX/XXXX. 

Explanation : XXXX  XXXX XXXX sold our mortgage to XXXX in XX/XX/XXXX. They did not report any payments until XX/XX/XXXX and immediately began reporting my payments as late. ( I have cashier 's checks receipts that will prove otherwise. ) I have only missed four payments, and when I knew that payments would not be made for certain months, I politely called, and asked if they could be put on the back end of my mortgage agreement. ( Please note : these payments were never in succession, but spread apart throughout the years. ) I was told that they would be put on the back end of the mortgage agreement, yet in XX/XX/XXXX, I received several " Intent to Foreclose '' notices on my front door, and through the mail. These are the very same months that should have been put on the back end of the loan as requested, and granted, or so I thought. To make matters worse, XXXX hit me with over {$3000.00} in foreclosure costs. I applied for a loan modification that was approved in XX/XX/XXXX, and began my trial payment period in XX/XX/XXXX. XXXX has reported these months, ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) late as well to the credit reporting bureaus. I have bank statements to prove otherwise. I also have copies of cashier 's checks that date back to XX/XX/XXXX, when XXXX  XXXX XXXX was then my mortgage holder. This will prove that I could not have been late when XXXX took over as my mortgage company in XX/XX/XXXX. 

Just recently : Illegal Insurance Practices. 
I and my family live in XXXX, NC, and have just come through Hurricane Florence that left many of us hurting. The area has been declared a Disaster Area from The President and FEMA. I also suffered damage to our home, and our insurance company assessed the damage at {$8000.00} of which we have received only {$950.00}. I am able to do the repairs on the home myself, but XXXX has insisted that I get a contractor out to do the work for me. The remainder money has been taken by them, and is under their control for no apparent reason. They will not release the money to me without extended paperwork from contractors. No contractor will comply with their requests due it being illegal, which leaves our home in disrepair.
Product: Checking or savings account

On XX/XX/XXXX, I received an email that my check for {$1000.00} was accepted and that it was on hold until XX/XX/XXXX. 
I called to ask why and they said they can hold it for 7 days. 
On XX/XX/XXXX, I received an email that they accepted my check for {$2900.00}. I asked the paying bank if it went through and it had by the XXXX. 
This one is very frustrating because I have no money to buy groceries in the meantime, as well as no money for gas and I need to make a trip. This time, they are saying they will get it to me on XX/XX/XXXX. 
I dont understand why they are holding it. Did Chase bank run out of money in the bank? 
I called corporate to ask why, as the company themselves put it on their website that according to federal law, it must be available within 2 to 5 business days.
Product: Vehicle loan or lease

On XX/XX/XXXX, I attempted to pay off my loan with Capital One auto finance. They do not give clear instructions on their app, so I called their XXXX number. My payment has still not posted. When I call the XXXX number, it says their associates are not available and to call back within the hours of XXXX and XXXX central time. Those are the hours I am calling. The problem I have is that the payoff amount keeps increasing with each day the payoff is not made. I am hesitant to pay it again as I do not want to go through the headache of overpayment.
Product: Vehicle loan or lease

This very important and there is so much more to say but I don't know how or what to do. On XX/XX/XXXX I was the victim of identity and fraud. The thieves filed a claim with my bank, XXXX, for the last three months of car payments that I had made, I have documentation, and the bank placed a credit for the amount of {$1100.00}, while it was happening I was made aware that fraud was happening to my account, I called XXXX and alerted they're security department of what was / had happened. They tried to stop it but the crooks had already taken the money. Which caused an over draft for the money. I received a letter from XXXX stating that they had finished their investigation and had removed the credit, as they should have. And on the date stated in the letter, the XX/XX/XXXX, I thought that they would have credited back to my car loan company the  money. They had not released the money. I started getting phone calls from the finance company, Global Lending services LLC telling me that I was three months behind on my payments. I explained that I was the one who informed them that they and I were the victims of fraud and that I had filled reports with both the FBI and XXXX Police department for the incident and that XXXX was supposed to release the money around the 19 th. They didn't release the money. I started getting phone calls from the finance company, each one meaner then the prior call. I kept explaining, and I got no where. 
XXXX didn't give me a reason why the money wasn't released. I have been in communication with the finance company the whole time this is happening. If I had missed a call from Global Lending services LLC, I always called back. On Monday I had two missed calls, one was unknown number and one was anonymous. Only one left a voicemail and I couldn't understand what they said. Tuesday morning at XXXX XXXX I went out to my car and it was gone. I called Global Lending services LLC and found that they had repossessed my car. When I asked why, again, I'm supposed to be behind by 3 months. I asked why wasn't I contacted and was told that I ignored their phone calls. That's when I remembered the calls mentioned above. I replayed the voicemail, I listened to it six different times before I could figure out who and what they said, very low and fast, " Global Lending services. '' That was all. I saved it. I spent the next several hours on the phone with XXXX and Global Lending services LLC and that is when I finally found someone with XXXX to tell me that they didn't intend to release the money until the XX/XX/XXXX. When I asked why it was because they could, they said that the law gave  them 45 days before they had to release the funds. When I told them that they had repossessed my car the only thing that they said was sorry. Meanwhile Global Lending services LLC is reporting that they repossessed my car with the credit bureaus for late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that there are late payments listed during my installment period and I have made several attempts to correct the issue. Your company has continued to report incorrect information. I had several loans with other lenders at the same time and there were NO Delinquencies. These loans similar to the loan I had with you were in a deferment period.

The loan has been closed and the debt to you has been PAID IN FULL. However, your company is still reporting this erroneous information to all credit bureaus. This is clearly a clerical error on your companies end. I do understand that things happen. But I would like to request that one of two things happen moving forward : 1. My credit file is updated with all lenders showing that the payment was not late.

2. Since the loan has been PAID IN FULL! Your company remove all records of the debt from my credit file.
Product: Debt collection

I received a letter from GLASSER AND GLASSER, a debt collection law firm in XXXX, Virginia. They claim I still owe XXXX  XXXX XXXX {$4400.00} for a debt that was charged-off 9 years ago. The statute of limitations for debt, in Virginia, is 6 years. this is the second letter I have received from this law firm, the last one was in XX/XX/XXXX. I am sure this is probably a scam being perpetrated by either XXXX XXXX XXXX or Glasser and Glasser. I want this matter resolved, because I do not owe this money. 
Also, if the debt were still active, it would show as a negative entry on my credit record. What is my legal recourse on this matter? Your help will be greatly appreciated. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX phone ( XXXX ) XXXX Monday-Friday after XXXX XXXX anytime Saturday and Sunday
Product: Credit reporting or other personal consumer reports

Fraudulent Activity and Violation of Privacy Rights by XXXX, XXXX, and TransUnion I am writing to formally lodge a complaint regarding significant violations of my rights by the credit reporting agencies XXXX, XXXX, and TransUnion. I believe these agencies have engaged in fraudulent activity by violating my right to privacy, sharing false and misleading information about me, and reporting erroneous accounts on my credit report. The following companies have been listed on my credit report as fraudulent or inaccurate accounts, none of which I have authorized or have any relationship with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Department of Education, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have severely impacted my credit score and financial standing, and despite my efforts to rectify the situation, the credit reporting agencies have continued to report this inaccurate information. This not only constitutes a violation of the Fair Credit Reporting Act ( FCRA ) but also represents a breach of my right to privacy, as my personal information has been handled and shared improperly. I request that the Consumer Financial Protection Bureau investigate this matter promptly and take the necessary actions to ensure these fraudulent and inaccurate accounts are removed from my credit report. I am also requesting that the CFPB ensure that XXXX, XXXX, and TransUnion comply with their legal obligations to protect consumers privacy and accurately report credit information. 
Please feel free to contact me should you require any additional information or documentation regarding my case. 
Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.
Product: Debt collection

XXXX XXXX XXXX of the XXXX ( phone is XXXX, site is XXXX XXXX XXXX ) stated I opened a policy with them on XX/XX/year>. Policy # XXXX. I never opened a policy. I asked for validation of debt and proof I opened the policy that includes authorization with my signature, and they can not provide me with anything that states I initiated this policy. I disputed with the Collection agency I heard from ( Credit Collection Services ) who is demanding I provide proof of insurance coverage. This is fraud and I do not owe anything to this company.