23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX unauthorized charges totaling {$250.00} appeared on my Citicard statement in XXXX, 2009. I timely filled out and submitted all the bank 's dispute forms. The bank kept sending me duplicate forms, which I also submitted. Ultimately, the bank denied me the credit I had sought, falsely claiming that I had authorized the charges and that I had failed to file the proper dispute forms on time. I have a thick file on this matter, as I escalated my dispute to the XXXX Attorney General 's Office, to the U.S. XXXX ( who stated it had no authority to assist me ) and to the XXXX , Inc. ( USA ). Feeling frustrated and abused by the bank, I refused to pay the bill, which eventually increased to more than {$500.00} from the imposition of service charges and late fees. Worse still, the debt seriously damaged my credit score which has caused difficulty for me in obtaining bank loans.
Product: Vehicle loan or lease

About a month ago, I personally notified -GM Financial a dba under Amercredit- about the notice to rescind, or the confusing term of my car loan that did not mentionned GM Financial as my loan servicer, and was not present while I signed the car loan. 
Legally I have no legal biding contract with GM Financial because they are not my seller-Creditor and the finance charge does not mention Americredit or GM Financial in any capacity. 

I called GM Financial claiming my right to rescind a contract I never signed and claimed my right to petition the court to stop the harassment and violation of Privacy I was being subjected to everyday. 

GM Financial sent me a notice, and intent of repossession on XXXX despite the fact that I told them that I have a XXXX and filed a civil lawsuit under Maine Consumer Protection Laws. 

I had to make a payment on Saturday XXXX to prevent reboot call, harassment, intimidation, and threat of repossession. 

I am seing a Dr at this time due to my underlying XXXX and XXXX XXXX. If this harassment persist I could end up in a Hospital with a XXXX XXXX and XXXX XXXX I would like cfbp to investigate this issu and mediate my complaint to best of his capabilities. The unfair Trade Practice is illegal and I have the right to have my private data protected and my car not repossessed. GM Financial has reported two late payments that have reduce my credit point and cause significant stage of anxiety and emotional distress. 

I never Signed a contract with them and never agreed to have my private date share online without my consent this a blantant violation of Federal and State Consumer and Privacy Laws. 

XXXX XXXX XXXX In XXXXXXXX XXXX is currently looking into this issue because I request an accommodation due to my XXXX XXXX and XXXX XXXX. I don't want my car illegally repossessed. I have already notified the office of Texas Attorney General about this issue. 

The Judge in Superior Court, of the XXXX XXXX of the State of XXXX  is currently conducting an investigation and Will notified the defendant at his earliest convenience.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that 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 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 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: Credit card or prepaid card

I called Chase on XX/XX/2022 to dispute two charges ( XXXX full amount for train cancelled due to an ice storm PREDICTED FOR THE NEXT DAY ; XXXX partial for a XXXX hour flight delay voucher that I can not use ). The Chase worker, XXXX XXXX, said they would put me on hold for 2 minutes. I hung up after 10 minutes. Chase owes me {$120.00}. There is a third dispute that I think I was able to successfully submit on the Chase web site. That one was vs. XXXX for {$20.00}. ( XXXX told me my phone is too old and will no longer work but is still charging me for service. ) I contacted XXXX, XXXX, and XXXX to no avail. Please confirm.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was reported to be 30 days past due in XX/XX/XXXX. The payment was never made late. I called the company on XX/XX/XXXX to have the issue looked at. I was told by a woman named XXXX that they can not look at account activity that is more than 6 months old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I opened the account with XXXX XXXX XXXX XXXX around XXXX of XXXX. I currently have all my paperwork in storage. After a couple months of paying my bill I started getting late notices when I had made the payment on time. I called and they would say " yes, we see you made your payment. Just disregard the notice '' This happened several times and I would call and get the same thing. I asked " why does this keep happening? '' they said it was the fault of the store I bought the merchandise from XXXX XXXX, so I called them. They told me they had nothing to do with it, I need to talk to the finance company XXXX XXXX. I called them back and told them that and they said that it was n't them. I got tired of getting no where, so I just stopped responding to the notices since I knew I made my payments on time. I paid them off last month and I received a late notice for a bill I no longer have. I am currently trying to buy a house and was told my credit states I had two 90 day lates from this XXXX XXXX. I called them today XXXX/XXXX/XXXX and was transferred 4 times and still never got to the department that could help me with this. This company is ridiculous and I get no where with them. Because of this false credit report, I am unable to buy or rent a home which is why I am living in a friends XXXX with all my stuff in storage.
Product: Debt collection

This company has put a writ of execution on my bank account on XX/XX/XXXX and is holding it for 30 days. This credit card debt is 10 years old and prior to this in XXXX there was a lein that was put on my property for this debt in the amount of {$1600.00}. 
So when my bank emailed me saying my bank account was at a negative I called this company the very next day because I never received and email from my bank until the evening. Now this company is saying I owe {$3200.00}. All of a sudden not only are they trying to collect on a debt that already has a lein but also a credit card debt that is 10 years old and I am sure that my last payment made on this credit card was about 11 or 12 years ago. I have all documents required to support this. I did call them immediately and said how can you collect for a credit card debt that has a lein on my house already and also for something that is 10 years old. Of course they said they can and then they cant discuss anything until my 30 days was up.

I may be wrong but a Judgement lein is only good for 5 years on your property and this was not renewed. So this company is collecting for a debt that is 10 years old. I also believe that credit card debt in Pennsylvania has a statue of 6 years from the last payment made which I'm sure was in or around XXXX???
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized XXXX and Transunion Hard inquiry errors to be removed immediately : Dates : XX/XX/2023 and XX/XX/2023 XXXX and XXXX
Product: Checking or savings account

Hello I had some problems with my bank accounts for the past few years every time I have an account for some reason strange people got access to my account using my money so I called the financial institution about the issue and after a few times after people stole my debit card and the bank return my money they closed down my bank account and last year I had a Wells Fargo account I didnt have knowledge that my card was stolen from me a stranger was depositing checks and money order in my account when I found out I contacted the banking institute and they said they have no choice than to close my account I even told them to run the bank location camera to see who made those fraudulent transactions but they didnt and they close my account without even a warning and XXXX XXXX XXXXXXXX close my account for no reason and XXXX XXXX also Im just trying to figure out whats going on with my social security and bank accounts access I really need some help getting down to the bottom of everything.
Product: Mortgage

Good Afternoon, My name is XXXX and I am upset with Ditech Financial because of the reason ( s ) I was denied for a loan modification. I am not going to go into detail about my illness but I will say that I do not make the same salary as I did when I was not sick. At my illness progressed, I stopped working and currently rely on XXXX and rental income. I sent all the proof along with my loan modification application. 
In the denial letter it is stated that the hardship is not temporary or resolved but where in the guidelines is it stated that a hardship has to be temporary in order to obtain a loan modification? Then they say that I have exceed the amount of modifications ; XXXX XXXX guidelines state more than 3 ; I have only had 2 and that is because I was not aware of how serious my physical health was going to be affected along with my income. 
I do not ant to lose my home! PLEASE HELP ME!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my XXXX account and it shows inquiries that I did not authorize. I am disputing these due to them being hard inquiries and hurting my financial future. 
XXXX : Ally Financial XX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  AND XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX  AND XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

looks like someone was trying to use my information to purchase a car. There are 15 hard inquires for Equifax. 13 with XXXX and 34 with XXXX. I have filed police report and put a fraud alert with all 3 reporting agencies. Equifax is giving me a hard time to remove. I have contacted the companies to whom the hard inquires belong to and was told since I don't have a vehicle that they can't do anything. That was specifically said by XXXX today.
Product: Debt collection

Upon reviewing my credit reports in XX/XX/2022, I found an account from SCA Collections that I was not familiar with. On XX/XX/2022 I contacted the agency after several failed attempts via contact messaging on their website on XX/XX/2022 and XX/XX/2022. Please note that I was only able to make contact with an agent by choosing the option of being a North Carolina resident. After calling repeatedly for weeks, I sat on hold for more than 20 minutes before being sent to a voicemail for Virginia residents in which the agency was unresponsive. On XX/XX/2022, I spoke to XXXX, who informed me that she could not provide me the information of the original debtor but that they could send me an itemized bill. I informed XXXX that I sent a debt verification letter on XX/XX/2022 to which they needed to heed my requests per the law. 

The agency failed to provide me the requested debt verification documents such as a copy of my signature with the provider of services to release my medical information. Moreover, the agency did not respond to my written correspondence and requests made via phone until XX/XX/2022. On XX/XX/2022, I received a document with no information informing me that they would be proceeding with collections activities.
Product: Checking or savings account

On XXXX XXXX XXXX  I tried to XXXX XXXX and Citi Bank found it supicious and blocked my checking account. I called immediately and according to them because the number on file is under another persons name they can verified my identity. Ive told them is my number and if they want they could have call me or send me a text with a code or something so, they just hang up on me several times but I cant still access my account no ones give me a solution. I have recorded it few of the calls and still they keep hanging the phone on me. I also ask them how do they determine is not me if I have gave them my SS #, DOB, address etc! They say that they go through public records to verify the number account holder therefore they can see is not under my name. For me is absurd because when I opened the account this was the number I used since they one. I believe this is illegal especially if they dont give me a solution to the matter. Right now still cant access my checking account but I can use my savings. I need help asap. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax several letters asking them to unmerge my account with a person with the same name. My name is XXXX XXXX XXXX and when creditors attempt to pull my credit using XXXX XXXX and my SSN it pulls another person 's credit. I was recently declined by XXXX XXXX XXXX XXXX who pulls Equifax because they were unable to pull my credit report. I can not pull my credit report form XXXX XXXX, XXXX, or even on Equifax 's site MyEquifax.com ; they all show no accounts or information for me.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several inaccuracies on my credit report that violate the Fair Credit Reporting Act ( FCRA ). Despite my efforts to dispute these errors with the credit reporting agencies on multiple occasions, they continue to persist. This situation poses a threat to my financial credibility and could potentially impede my access to credit. I urge the Consumer Financial Protection Bureau to promptly investigate this matter and ensure that the credit reporting agencies comply with the FCRA to safeguard consumers ' rights. Thank you for addressing this important issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

he company did not validate the debt according to FDCPA, 15 U.S.C. 1692k ( d ), the Civil Rights Act, 42 U.S.C. 1983, and 28 U.S.C. 1331, 1337 15 U.S.C 1681s-2. Keep saying debt has been validated by supplier however the suppliers denies that they are validating.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX- ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX- ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX  XXXX ACCOUNT XXXX : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  XXXX XXXX- ACCOUNT XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX INT ACCOUNT NUMBER : XXXX ACCOUNT NAME : 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 XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

My credit cards were closed and my credit worthiness has been jeoperdize because it seem to be compromise by other people. I am been denied a credit card despite I had a XXXX  score of greater than 800 about a year ago. Now i owe less than XXXX dollars of credit and i could not have a least one credit card because my XXXX  score is been compromise to be less than 500. See how this is possible? Also some credit history has been deleted out of my credit report. Like history of student loans I paid off.
Product: Checking or savings account

I was sent a refund from PayPal to credit karma on the XXXX of XXXX and today is XX/XX/XXXX and I still havent received my refund!!! I have called both companies MULTIPLE times and I get nowhere with them except being told to contact the other company I have asked for the transaction to be cancelled and still nothing!!!! I want my money back in my PayPal account ASAP
Product: Credit card

Im worried about this late payment on my account, as Ive always paid on time. Please correct this error by removing it. 
XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I REVIEWED THE CREDIT REPORT AND THERE WERE FRAUDULENT ACCOUN PLEASE REMOVE THEM.
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 : XXXXXXXX XXXX XXXX XXXXXXXX, 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 or other personal consumer reports

I previously requested that the disputed account ( XXXX ) be marked as 'Account Disputed ' in my consumer files, as mandated by the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C . XXXX ]. However, the purported consumer credit reporting agency has failed to conduct a proper investigation into the ongoing and persistent issues. I was not notified of the investigation status or results, and the agencys failure to address the core nature of my complaint remains unresolved. Additionally, the reported information contains nonexistent and bogus entities that do not reflect a valid legal entity as recognized under applicable laws governing articles of incorporation, certificates of formation, or charters. I demand the immediate expungement of these illegitimate entities and a correction of my consumer file to ensure compliance with federal regulations. Supporting documents outlining these unlawful billing, credit reporting, and debt collection practices, which have persisted since XX/XX/XXXX, are attached. 

See my attached Memorandum for the Record ( CONSENT TO DISCLOSURE ), Subject : Formal Complaint Against XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX Service Regarding Improper Debt Collection, Billing Discrepancies, Credit Reporting Errors, and Unauthorized Pay Deductions Related to XXXX  Credit Card Receivables ( Account No. XXXX ), dated XX/XX/XXXX.
Product: Debt collection

I received several threatening phone call repetitiously on my job and ask for the collection agency to please stop calling my employer. I also, was inform that the threats continue even if I was present at work from my manger. I requested that the collection agency immediately cease all collection activity on this disputed debt, including phone calls, letters, and any contact with my family or employer. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I demand that you provide me with written verification of the debt, including the original contract, detailed account statements, and any documentation supporting your claim that I am responsible for this debt.