23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

XXXX business practices to start. On XX/XX/23 I purchased a cheap sofa and 3 mattresses from a little shop in XXXX XXXX Ca. The shop owner advised he could finance the entire amount and all he would need is {$50.00} down. I was unaware that he was putting me in not 1 but 2 very high interest loans. He did explained it was for a 12 month period but he never said how much the payment would be. He pretends to be soft spoken and kind but he is a hustler and the worst kind, he prays on the poor. He creates an environment of chaos, acting confused and flustered stating he was late for church and continually looking at his phone. He also had multiple customer purchases going on while he was inputting my information making it difficult to ask any questions. One of the loans he put me in for {$1200.00} has a {$230.00} with an ending repayment of {$2800.00} after 12 months and the other one is for {$1000.00} with a monthly payment of {$140.00} and ending repayment of {$1700.00}. Ive already made 4 payments on each loan and this is just crazy. That I cant afford to keep paying on these loans
Product: Prepaid card

I bought a XXXXXXXX XXXX XXXX and it does not work. I called in and they said they would " reset '' the card and that the card would work. I waited an hour as instructed and the cards did not work. I have tried the card a few times more and it does not work. I called in again and they told me I would have to fax information to the company to get a replacement card. I do not have access to a fax machine.
Product: Debt collection

I was received a letter from The Circuit Court for XXXX XXXX of Maryland stating plaintiff : Utah Loan Servicing , LLC has put in a motion for Default Judgment in the amount of {$130000.00} for a loan that I borrowed from XXXX XXXX  XXXX on XX/XX/XXXXXXXX for a single unit property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX. 

I believe I owe Utah Loan Servicing none of this amount ( {$0.00} ) as I was a victim of subprime lending and part of the National Mortgage Settlement filed with the United States District Court for the District of XXXX in which Maryland was one of the states who alleged XXXX XXXX XXXXXXXX, F/K/A : XXXX XXXX XXXX XXXX. All of whom collectively state these banks violated the Unfair and Deceptive Acts and Practices laws of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989. I also received a check from the XXXX XXXX XXXX on XXXX/XXXX/XXXX in the amount of : {$1400.00} as my portion of the amount of the lawsuit settlement. I am asking for your office 's assistance in helping me to resolve this matter with Utah Loan Services
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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
Product: Checking or savings account

Wells fargo is financial institution as defined pursuant to 15 usc 1693 ( a ) ( 9 ) and has held an account belonging to me the consumer. They can not close an account that does not belong to them neither can they remove credits that does not belong to them pursuant to the Electronic Funds Transfer Act. They failed to correct their error pursuant to 15 usc 1693f is now liable for stealing my credits. 

Fact I applied for a XXXX XXXX XX/XX/2021, the grant was approve by XXXX XXXX.Grant number XXXX. 

XXXX  XXXX XXXX  deposited into my Wells Fargo Preferred Checking account number ending in XXXX on XX/XX/2021, in the amount of {$20000.00} from XXXX XXXX XXXX, payable to my first XXXX and last name XXXX. On XX/XX/2021 my bank Wells Fargo stated that XXXX XXXX XXXX  reported the wanted the credit back from my Checking account. Wells Fargo did not take the credit from account ending in XXXX they took from my other Wells Fargo account whats ending in XXXX. On XX/XX/2021 Wells Fargo sent me another email out stating that they will withhold my funds in the amount of XXXX from my account ending in XXXX, In which the credits was not deposited in this account it was deposited in the account ending in XXXX. 

So they stole the credit out my account. I was approved by scratch for my forgiveness on XX/XX/2021 and it was paid in full. see documentation attached.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been reporting inaccurate information on my credit report for months. They were reporting my car loan account opened when it had been closed for months. This caused multiple credit denials. They are continuing to report inaccurate payment history after multiple reinvestigations. XXXX is providing false credit reporting as its stated with the lawsuit with the cfpb. Experian and XXXX are not doing a through investigation. This is misleading.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX Subject : Cease and Desist from Contact Regarding account number : XXXX Dear XXXX  XXXX, I am writing to formally request that you cease and desist all communication with me regarding the above-referenced debt, including but not limited to phone calls, letters, emails, or any other form of contact. This request is made in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 
Please be advised that I am

requesting you to stop all further attempts to collect this debt, and I ask that you refrain from contacting me again. If you continue to attempt to collect this debt after receiving this notice, I may file a complaint with the Consumer Financial Protection Bureau ( CFPB ) or my states Attorney Generals office. 
Please confirm in writing that you ha
ve received this request and that you will comply with it. Per Section 623 ( A ) ( 1 ) ( A ) ( B ) you have been notified and you are not allowed to report moving forward. Also per section 15 USC 1681i ( a ) ( 6 ) ( b ) ( iii ) Im also requesting the procedure used to determine the accuracy and completeness of the information that is reporting. If you continue to report this debt you will be in complete violation of the law. I am also requesting that you provide me with written verification of the debt, as required by law, if you have not done so already.

Thank you for your immediate attention to this matter. 

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

CONTACTED XXXX ON XX/XX/XXXX, ABOUT SEVERAL INQUIRIES THAT HAD BEEN MADE ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE. THE LADY TOLD ME THAT THEY SHE WAS NOT GOING TO DISPUT THEM AND THAT I WAS GOING TO HAVE TO CONTACT THE COMPANIES. I TOLD HER THAT I WAS TOLD TO CONTACT THEM AND THAT THEY WERE TO DISPUTE THEM AND SHE WOULD NOT DO IT. I DON ; T HAVE A CLUE AS TO WHO THESE COMPANIES ARE AND THIS IS JUST MORE OF A REASON WHY CREDIT BUREAUS NEED TO BE INVESTIGATED ON A DAILY BASIS. 
JPMCB CARD XXXX XXXX RETAIL CARD SERVICES XXXX  XXXX FOR A TOTAL OF 3 TIMES
Product: Credit card or prepaid card

XXXX XXXX sent a check for a balance transfer to pay off my Citi Bank credit card. Citibank deposited the check on XX/XX/XXXX. Citibank never credited my credit card for the payment even though I have called them six times giving them information from the cancelled check. I called twice on XX/XX/XXXX and asked to speak to a supervisor. The first person, XXXX, just transferred me back to the original menu. The second man, XXXX, screamed at me and said, " Oh, God! '' and started speaking in a foreign language and then put me on hold and never came back. They all refuse to let me speak to a supervisor. The payment is for {$3300.00}, so I really need help to get the proper credit.
Product: Credit card or prepaid card

first know i wont be using ANY of my 8 accounts i have had in excellent standing until this is resolved the right way i am also asking for refund of any interest on my current stmt based on my excellent long term record. 
I knew the XXXX charge would be rebilled from XXXX they are hard to deal with. i am reporting them to attorney general. As i told the bank. the tickets i paid for one was scalped my kid got no seat i am not paying for the ticket and ther one size fits all refund policy wont address it approriately. 
This has to do with my card ending XXXX i want my money back or a credit with XXXX if you cant help me i cant use the card i had another problem with XXXX XXXX with them and had to fight for my rights. please credit my account or i will accept a credit with them. but my kid got NO seat i paid for in XXXX due to scalping i did report it. to them nothing done. My relationship with you depends upon this being handled right. 
Again please credit any interest on my account due to my long term relationship here. and handle this right. i will accept no other answer and i am " unable '' to use my 8 accounts until this is handled approrpaitely either a credit with XXXX for another event. or a credit on my credit card I DID NOT GET what i paid for and they can prove nothing different. this is NOT covered under their refund policy and the one size fits all approach you used in your dispute process falls short of recognition of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Bankruptcy XXXX Date Reported : XX/XX/XXXX XXXX XXXX  Bankruptcy XXXX Date Reported : XX/XX/XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Money transfer, virtual currency, or money service

I am writing to normally expressed my concerns regarding XXXX handling of disputes, particularly in our right of the recent XXXXXXXX XXXX XXXX XXXXXXXX. Highline significant issues with the platform. despite using Zelle, numerous Times and reporting discrepancies, My financial intuition and Zelle failed to investigate my claims. they informed me that receiving those funds was impossible that they are tracking each transaction was infeasible. The CFPB neglected to protect consumers, but has also allow, repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about the consumer safety.
Product: Debt collection

A company by the name of Accelerated Financial is calling me relentlessly after I have told them not to call me again. I have no idea as to what debt they are calling about, if any legitimate debt, at all. They threaten to serve me with papers, but never do. They have resorted to calling immediate relatives of mine to track me down including my son and sister-in-law, and perhaps others. They are harassing me, and I want the calls to disinterested 3rd parties, and to my home and cell phone numbers, to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report with a big surprise is a 2 collections items without any information ( creditor. address, phone ) only show the amount 2 differents accounts.That information is damaged my credit since my score is low because of this items my loan application has been declined.

My bigger surprise is theses 2 accounts without any information, I never got any letters or documentation, in this point I don't know how is the creditor, is irresponsable to report this kind of information.
Product: Debt collection

I pulled a copy of my credit profile through  XXXX  and saw that a collection accouunt regarding account #  XXXX , which Portfolio Recovery claim I owe {$570.00}. This is not my debt. I sent a certified letter to company which returned back to as " unable to deliver. '' I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I hav  e ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and   XXXX   ) from your com  pany or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDCP A 807 [ 15 USC 1962e ] ; theref ore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report I noticed some inaccurate reporting on my XXXX and Transunion credit reports as follows ; ( account # XXXX ) Company : XXXX XXXX XXXX I ask the above company provides all documentations as follows : 1. Original contract 2. Credit Insurance 3. Payoff disclosure 4 balance history 5 payment history 6. Interest rate disclosure Please provide all documentations to insure accurate reporting information on my credit reports.
Product: Credit card or prepaid card

Store : Kohl 's Gift card source : XXXX XXXX ( XXXX provided health program ) Transaction ID XXXX XXXX Amount : {$100.00} USD Details : I received this card as a gift for completing some XXXX XXXX  This was sent to me via email to my work email. I never accessed the electronic gift card until XX/XX/22. I was close to checking out but realized the sales are two days away. Today I am unable to access the whole {$100.00}. Upon contacting Kohls Customer Support ( XXXX ), they shared that his was used in XXXX, XXXX and that they would open a case to have this investigated. This raised a red flag for me but I do not believe Kohl 's is concerned or going to make this right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander account used to say open and delinquent after XXXX. When in fact I traded my vehicle in XXXX for another vehicle. Had that investigated by XXXX  and was updated to delinquent and included in Bankruptcy. Ask XXXX  to reinvestigate it two years ago. Was never included in my Chapter XXXX bankruptcy that was discharged in XX/XX/XXXX. Still paid a note a traded it in XXXX for another vehicle. When checking XXXX  credit report again for Santander, it still saying reinvestigation in progress and included in Bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity and is misleading. I am also requesting the names, addresses, and telephone numbers of the individuals you contacted during your investigation. 

I wasn't provided any of the information nor the Items disputed were removed during the investigation or corrected after in clear violation of the law and total disregard for the hardship they have caused, even after deletions to some of the accounts I found Experian to be the most difficult regardless of the law, furthermore, even when I brought to their attention the errors on my report and the fact some accounts have deleted they continue to report the false information as verified even though it wasn't and the method of verification was a piece of paper from the collection company has my name and amount owed knowingly by law it's not sufficient nor the document they must share with me. 

XXXX XXXX, XXXX XXXX XXXX XXXX {$31000.00} Collections {$33000.00} {$0.00} 1 late payment Reported as installment account with payments ( Collection account removed by XXXX, still exists on EXPERIAN AND XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file JXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/22 a account in the amount of {$950.00} appeared in my credit report from a company called Account Resolution Services. I have never heard of or been contacted ( neither by phone or mail ) from this company. I called the company to inquire about the debt however the information that they provide was general and not enough to determine that this was my debt. Also I did not have any previous communication with this company prior to them putting the account on my credit report therefore I had no time to request a verification of debt prior to it hurting my credit score.
Product: Credit card or prepaid card

Bank XXXX resolve fraudulent charges as promised. Several attempts to resolve with company.
Product: Mortgage

During XXXX XXXX, the state of NJ was hit hard. It was a natural disaster. As with others, my husband and I suffered financially. I asked Nationstar Mortgage to move the payment to the back of my loan, they advised they would be in touch but no one ever returned a call. My family had arranged this with their mortgage companies and no one had issues. I started receiving notices that I was late or not making a payment. I have never been late since then. I have been sending them letters, emails and making phone calls asking for help but they have proven to be heartless. They have now impacted my credit. All other loans have been paid off but they are preventing me now from being able to move forward. I even requested to be able to pay the mortgage payment for XXXX XXXX and the fees be waived but they proved either further to be heartless and not care about their customers. I need to be able to publicize the disgrace and demonstrate how greedy they are. I really need to finance but since this is on my credit I am struggling. Please help me. I have worked relentlessly on ensuring my credit is kept up to par to allow my family and I to have a great life. The records will indicate that I have never been late on my mortgage payments until this was placed on my credit. I do n't understand why they do n't want to work with their customers. At the time, my job was shut down so I was n't paid so I just needed more time. XXXX XXXX XXXX and all other debtors were more than understanding and was happy that I was alive! Nationstar Mortgage did n't care if my family and I survived, they only wanted their mortgage payment.
Product: Vehicle loan or lease

My specific issue issue is : GM Financial monthly statements. Inconsistent, incorrect. 
No way to view records without spending hours on the phone, and still only have only words in a phone, no records, nothing in writing. 


GM Financial statement balances. 

XX/XX/XXXX CURRENT BALANCE* $ XXXX XX/XX/XXXX CURRENT BALANCE* $ XXXX XX/XX/XXXX CURRENT BALANCE* $ XXXX First payment was due XX/XX/XXXX. 

Payments I've made : XXXX XXXX {$1.00} Trace # XXXX XXXX XXXX {$16.00} Trace # XXXX XX/XX/XXXX {$1.00} Transaction # XXXX XX/XX/XXXX {$440.00} Transaction # XXXX XX/XX/XXXX {$500.00} Trace # XXXX XX/XX/XXXX {$1500.00} Trace # XXXX XX/XX/XXXX {$1000.00} Trace # XXXX After noticing my GM Financial statement balance was increasing as I was making at least double payments, I had tried to contact GM Financial to get a transaction history report. 

Transaction history for a major financial account should always be available to customers. Without having to ask. 

GM Financial told me on XXXX XXXX phone call that they could not tell me why my balance was increasing when my payments were double the required payment. 
On the same call on XX/XX/XXXX, the GM Financial rep told me that it would take at least ten business days to generate a transaction history report and mail it to me. When I asked why, I was told that the transaction history reports were " backordered ''. And that the billing system was having a lot of inaccurate account information. So, many people were wanting the transaction history. This call also took ove one hour to get this info. Unacceptable I called again on XXXX XXXX, XXXX. 
Again, I was told they have no idea why my balance would be increasing. Again, I was told it would take seven to 10 business days to get any kind of transaction history. 
Again, I was told they are aware the billing system had been reporting incorrect information. This call also took over one hour to get this information. Unacceptable. 

So, I have no way, as the consumer to see my transaction history? 
I have no way to see that my payments are being applied properly or how they are determining what my remaining balance is? 
I have no way to compare GM Financial account records to my own records? 

UNACCEPTABLE!! UNSATISFACTORY!! 

These are some huge red flags. How is this legal? How would anyone trust this company with any financial responsibility? 

How does a major financial institution operate in this manner? 

An investigation should be conducted. Immediately. Clearly I'm not the only person affected by this. Seems illegal. 

Please help. 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & Transunion have not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX   XXXX XXXX XXXX {$380.00} not mine
Product: Vehicle loan or lease

I bought a car with US Autos Sales in XXXX, GA in XX/XX/XXXX. The company went bankruptcy and sold my car to another company without my knowledge. The warranty I paid for do not exist. Also the company did not have their sellers licenses. The overcharged me for my vehicle. Now the money I paid the new company Westlake Portfolio is not transferring my payments over. They say I owe XXXX on a XXXX vehicle I been paying on. I can't reach anyone on this matter.
Product: Credit card

In less than 6 months of having this account. Ashley Furniture Synchrony Bank reduced my credit limit without reporting the new balance amount, which was favorable to me. This practice is unfair and does not allow me to build credit because my debt ratio is being hindered by Ashley Furniture Synchrony Bank.