23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The following hard inquiries currently listed and showing on my Experian and XXXX credit report arent my hard inquiries : SXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX, XX/XX/XXXX. XXXX XXXX reported to Experian and XXXX, that I had a public record of XXXX XXXX  XXXX discharged on XX/XX/XXXX, Reference Number : XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX. XXXX XXXX has deleted and removed the inaccurate public record of XXXX XXXX XXXX discharged from my XXXX XXXX consumer report due to me being incarcerated at the XXXX XXXX XXXX XXXXXXXX from XX/XX/XXXX until XX/XX/XXXX. So theres no way I filed for XXXX  because I was incarcerated from XX/XX/XXXX until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent XXXX - {$550.00} XXXX XXXX - {$610.00} XXXX XXXX XXXX - {$1600.00} XXXX XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX - {$1800.00} XXXX/XXXX - {$7900.00} XXXX XXXX - {$1100.00} XXXX XXXX  - {$1000.00} XXXX XXXX {$2100.00} XXXX XXXX - {$100.00} XXXX XXXX - {$100.00} XXXX XXXX - {$500.00} XXXX XXXX - {$100.00} XXXX  - {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a auto loan threw Pacwest Credit over 1 year ago they have never once reported it to any bureau since day one I have been trying to get it figured out with them and still have not gotten answers the only reason I got a loan was to boost my credit to hopefully buy a house
Product: Credit card

On or about XXXX XX/XX/XXXX of XXXX  I received a call from someone prep reporting to be from Goldman Sachs/Apple Card . During the course of the call, I had a bad feeling about it. I told the person I was hanging up. And dead. I called Goldman Sachs spoke with a young man by the name of XXXX told me that I had fraud in three instances on my card one was for XXXX XXXX XXXX  in the XXXX XXXX. One was for a laptop in XXXX, New York and the third was an Apple Store. During the discussion, XXXX told me that these were obviously fraud as I live in XXXX, California, I own an apple laptop and desktop and many other Apple products. Apple/Goldman Sachs gave me a temporary credit on the card for {$1700.00} and change. Several months later that was reversed with no explanation. I called back again spoke with a young lady by the name of XXXX. Who issued another credit then several months later, the charge appeared again. I called back again, spoke with a young lady by the name of XXXX, who explained to me that they had proof that I had purchased the laptop. I escalated this to a supervisor who told me I had to wait. I asked about being told that they had proof that I had purchased it. It was never provided. I have remained calm through this whole process, but I am beginning to lose my patience with this. I find it ridiculous that a company decides of Goldman Sachs should be protecting the consumer is doing exactly the opposite. If someone could please get back to me and let me know how to proceed. I would greatly appreciate any help that you could provide. Thank you.
Product: Credit card or prepaid card

We initially filed several disputes with American Express on XX/XX/XXXX against XXXX XXXX XXXX. The charges were for an upgrade to a timeshare purchase on XX/XX/XXXX. We submitted 4 disputes and we received letters stating we won our cases on XX/XX/XXXX. They refunded us the amount of all charges and sent us a refund check. However, we received notice that one of the charges was placed back on our account on XX/XX/XXXX because it was over 60 days old, {$16000.00}. 

I have called every day since XX/XX/XXXX explaining the fact that XXXX XXXX breached our contract on XX/XX/XXXX and that is why we are disputing all payments for this upgrade in XXXX. They did not breach the contract until XX/XX/XXXX, but since we filed it on XX/XX/XXXX, we are within the 60 days of our claim, but American Express keeps closing the claim for the reason of 60 days, they are only looking at date of transaction and not all the evidence I have uploaded to them. First, why would they have given us a refund in the first place, and second I have had to call every day to re-open the case to hopefully get their investigation team to see that they breached the contract on XX/XX/XXXX instead of just looking at the date of the transaction. 

I have written down everyone that I have spoken with including a supervisor XXXX, who assured us that the case would get looked at and she agreed that I was right filing within the 60 day time frame. We filed it right away after XXXX XXXX breached our contract on XX/XX/XXXX. I have documentation that shows XXXX breached the contract and have forwarded all the necessary documents to American Express, but the investigative team will look at my supporting documents. I need help so that they will!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND XX/XX/2020 PAYMENT DATA MISSING FROM MY EXPERIAN REPORT FOR ACCOUNT : XXXX  XXXX  XXXX/ XXXX, ACCOUNT NUMBER : XXXX. 

EXPERIAN CLAIMS THEY CONDUCTED A INVESTIGATION AND FIXED THE ISSUE AND ACTUALLY DID NOT CONDUCT AN INVESTIGATION AND FIX THE ISSUE.
Product: Credit reporting or other personal consumer reports

My Transunion Credit score was XXXX just 2 weeks ago. In 3 days my score dropped XXXX points for NO REASON! It first dropped XXXX points then a day later another XXXX points, BOTH times IMMEDIATEY AFTER getting off the phone with a Transunion rep. I have NOT had anything added or subtracted to my report to cause this. I have called them 3x and no one can tell me why it dropped and there was no " factors '' explaining the reason on my account. It went from XXXX to XXXX ( down XXXX points without reason or explanation ). All 3 of my reports are usually within 5 points or so of each other and my XXXX is XXXX right now and my XXXX is XXXX so for my Transunion to be almost XXXX points lower is clearly a mistake! My credit has NEVER been this low! The lowest it EVER was was XXXX and that was because XXXX XXXX was reporting me incorrectly, but they fixed their errors ( see previous complaint here ) and that caused my credit to go up around XXXX points. I truly feel that the RUDE employee I spoke with at Transunion PURPOSELY caused my score to drop because IMMEDIATELY after getting off the phone with them it went down, so I would like this investigated. Strange coincidence?!?! I feel as though I am being wrongly reported and I would like it fixed! 

I have XXXX and I need a XXXX XXXX XXXXXXXX in which my co-pay is {$46000.00}! In order to get this XXXX I need a loan. They will NOT give me a loan unless my score on ALL 3 bureaus is over XXXX. I worked SO HARD to fix errors to get it repaired and my score for Transunion to singlehandedly RUINING my chances to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Again, there had been NOTHING new reported to my credit this month to make it go down do drastically. NO inquiries, no late payments, no new accounts, nothing! 

Please help me get this fixed! Thank you!
Product: Credit reporting or other personal consumer reports

Collection account from FOXCOLLECENT with account # XXXX and a balance of {$430.00}. The original creditor is XXXX XXXX XXXX XXXX 
I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 15 USC 1681 I 1A,15 USC 1681 ( 602 ) ( a ) ,15 USC 1681 ( 604 ) ( A ), 15 USC 1666B, 18 USC 894
Product: Payday loan, title loan, or personal loan

Advance Financial offered me a XXXX Loan they explained you never have to pay more than you need. Then they started charging me such an excessive interest that it was more than my house payment! I explained to them that I could n't afford to pay that and offered to pay XXXX per month and I was but they were still charging like over 70 % interest which just made pay back amount keep growing. I stopped paying the loan and they turned me into an attorney XXXX XXXX XXXX XXXX XXXX and now they are saying I owe {$5800.00}! Is there anything that can be done to get this to a reasonable repayment? This should be against the law this type of Predatory Loan Practices. Please help me. I received this letter dated XXXX XXXX, XXXX client file # XXXX Harpeth Financial Services , LLC dba Advance Financial is the name of the company.
Product: Debt collection

Lewis , McDonnell & Associates XXXX XXXX XXXX XXXX Subject : Notice of Violation of Rights under FDCPA Dear XXXX XXXX XXXX, I am unaware of this debt. I did not have an opportunity to dispute this information. 
Per my records, your agency has violated my federal rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ) ( 15 U.S.C. 1692g ( a ) ) According to the FDCPA, debt collectors are required to provide a validation notice to the consumer within five days of the initial communication regarding the collection of any debt. 
This Agency has also violated ( 15 U.S.C 1692e ( 5 ) This company is a Law firm & engaged in misleading representation thereof. This Company has a history of repeated violations If in fact you believe you gave me proper notification, then please send me the certified receipt with my name on it. I request that this account be immediately removed from my credit profile or I will have no choice but to seek remedy for multiple violations including the stress, humiliation and XXXX  & other issues this has caused.
Product: Credit card or prepaid card

I have a NetSpend prepaid card. I normally receive my payroll on Monday afternoons. On XX/XX/18, I didn't recieved my deposit. I called NetSpend they advised me that it was an issue with ACH deposits from XXXX. They advised it was not a complete issue with all customers but some. They couldn't give an ETA on when the deposits would deposit or what the actual issue is. They only have generic responses. Called them again XX/XX/18 got the same response this time referring me to XXXX. I called XXXX and immediately got the automated recording that it was a system issue with the ACH deposits system and were trying to resolve it. Still no ETA or what the problem is. My only issue is why consumers weren't made aware of the issue immediately when NetSpend found out from XXXX there was a problem. Making consumers aware is important.
Product: Money transfer, virtual currency, or money service

On Saturday XX/XX/XXXX I attempted to link my PNC account to XXXX  so I would be able to Invest. PNC has blocked this transfer to my account.
Product: Checking or savings account

On XX/XX/XXXX I cashed via on my mobile device a check for XXXX through my bank HSBC.The check was from XXXXXXXX XXXX XXXX and there bank was XXXX XXXX and the funds was from selling my vehicle to them. Fast forward XX/XX/XXXX I get a l letter that the check deposit is being reversed. I have spent since XXXX dealing with my bank HSBC trying to obtain proof that the money was returned back to XXXXXXXX XXXX I have talked to the maker of the check and they just show the check clearing the account but never the funds returning back to them. They also state that they never asked for the check to be reversed. So now Im out the XXXX dollars and each side tells me the other one has the money. HSBC tells me I need to go to the maker of the check but why is my bank taking money out of my account and sending it to the makers bank after it had been cleared back in XXXX. I need help getting proof of which bank really has the money. The two managers at HSBC is XXXX and XXXX that I have been working with. The case ID number is XXXX through HSBC. The Head of back offfice at XXXXXXXX XXXX XXXXXXXX is XXXX XXXX. Please help me as I have tried to work with the bank to get my money back.
Product: Checking or savings account

On  XXXX   XXXX ,  2017 , someone online fraudulently took all of the money out of my account, bringing the balance down to {$0.00}. When I complained to the bank mere hours later, they assured me the funds would be returned to me within 10 days. They did not offer a new card, but walked me through the process of resetting my password, security question, etc. This was o ver 3 week s ago and the money ( about {$380.0 0} )  still has not been returned. I called customer service around  XXXX   XXXX  and they stated they needed more " time '' for " investigation ''. I have since filed a police report, where the police were able to identify the people who did this. ( They are out of state. ) When I spoke to this bank on  XXXX   XXXX , they told me they were issuing me a new card because they suspected fraudulent activity on the accou nt ( a purchase attempt in a store I had not visited in the amount of {$890.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting and illegally unverified accounts to my consumer report. I previously disputed the below items and received a letter in the mail dated XX/XX/2021 Confirmation # XXXX informing that the items were verified but I never received anything to validate as I am the original creditor. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Pursuant to 15 USC 1692g I am the original creditor and I do not validate the above accounts. I demand immediately remove them from my report and you have 5 days to do so from the moment you receive this complaint. You are to send me a free copy of my report once update. Failure to respond satisfactorily pursuant to federal law will result in other actions being taken and will sue for {$1000.00} per violation : 1 ) 15 USC 1692g, 2 ) 15 U.S. Code 1681b-Permissible purposes of consumer reports, 3 ) Negligent Enablement of Identity Fraud.

4 ) Defamation
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : SUNRISE CREDIT SERVICE XXXX Date opened XX/XX/2022 Balance : {$660.00}
Product: Credit reporting or other personal consumer reports

hello my name is XXXX XXXX XXXX, i am writing to delete the following information. These items need to be deleted immediately from my credit report. I am a victim of identity theft and did not make this charge. Please correct this immediately to correct my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXXXXXX XXXX XXXXXXXX and am submitting this complaint myself with no third party. 

I, XXXXXXXX XXXX XXXXXXXX, consumer, sentient sovereign and original creditor of an account using my open-end credit plan. In the year XXXX, XXXX XXXX BANK ( XXXX XXXX XXXX. doing business as XXXX XXXX placed derogatory remarks on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, twice on XX/XX/XXXX. In the year XXXX, XXXX XXXX XXXX XXXX doing business as XXXX XXXXXXXX placed derogatory remarks on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX creating a total of XXXX derogatory remarks on XXXX, XXXX and XXXX. XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXX has committed XXXX violations. The account with XXXX  XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXX was opened under a consumer credit transaction utilizing my open- end consumer credit plan. Additionally, the account has incurred late payments which is should not have pursuant to 15 United States Code 16666 ( b ) The statement includes a positive balance being reflected on the right side of the ledger, which is a credit balance to myself as the consumer, pursuant to 15 U.S.C. 1666 ( b ). After realising that the " coupon '' ( COUPON being a written contract for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose that they may be separated from the bonds and other instruments to which they are usually attached to ) attached to the aforementioned statement is indeed a form of payment, pursuant to 18 U.S.C. 8, BILLS AND COUPONS are examples of obligation or other security of the United States and pursuant to 15 U.S. Code 1666 ( d ). XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX  doing business as XXXX XXXX furnished deceptive forms creating a false belief of debt owed when all debt are obligations of the United States per 18 USC 8 and in accordance with 15 USC 1692j. XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXX has committed racketeering and extortion through interstate commerce as described in 18 U.S.C. 1961. XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX. doing business as XXXX XXXX has restricted my account using false allegations violating 15 USC 1666A - no adverse action against me. 15 USC 1666B- not given full disclosure 15 USC 1666D treatment credit as balance ( B ) refers to any part of the amount 15 USC 1602g : XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXXXXXX alleges to be original and current creditor 15 USC 1692e : XXXX XXXX XXXX XXXXXXXX XXXX XXXX. also known as XXXX XXXX XXXX. doing business as XXXX XXXX alleges to be the original and current creditor, Again on XX/XX/XXXX the company has again placed a derogatory remark with XXXX, XXXX, and XXXX dropping my on time payment from 100 % to 0 %.
Product: Debt collection

I continue to receive demands from transworld systems claiming I owe for a fedex purchase which I never received. I am not aware of the purchase in question. The last time this company bothered me it was an attempt to collect for an item I never even received. And it was cleared from my credit card as they agreed that I never received this item. Furthermore, I have no idea why I would even owe an additional fee to fedex for any reason regardless if the item had been received. This is an attempt to harass and collect monies that I DO NOT OWE. I want this to stop now as it has continued for far too long. I am reaching out for your kind assistance as this agency does not seem to have any internal checks and balances to justify their demands. 
To be clear I have no idea what transworld continues to harass me regarding, but I want it to stop now. I do not owe for any items whatsoever.
Product: Credit card or prepaid card

On XX/XX/2022 at XXXX, I sent a direct email to La XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and informed them that I reported their fraudulent activity to the U.S. government for XXXX ( please see the attached email ). I closed and locked my Money Network Card card. On XX/XX/2022 at XXXX, I learned my Money Network card account was somehow unlocked and reopened to allowed a {$160000.00} refund from XXXX  XXXX XXXX XXXX ( please view the attached email ). On XX/XX/2022, I closed my Money NetworkXXXX Account XXXX XXXX the telephonic assistance of a Money Network Representative named XXXX. Money Network Representative XXXX informed me that the remaining balance on my Money Network account would be sent to my address in the form of one ( 1 ) check. I was already expecting a previous check from Money Network from my previous account closure on XX/XX/2022. On XX/XX/2022, Money Network allowed a withdrawal of {$31.00} from my closed Money Network account, which resulted in a {$31.00} negative balance ( please view the attached screenshot ). On XX/XX/2022 at XXXX, Money Network accepted another {$150.00} refund to my closed Money Network account ( please view the attached screenshot ). On XX/XX/2022, Money Network deducted {$31.00} from the {$150.00} dollar refund, as if I were paying towards the negative {$31.00} balance. To date, Money Network has not closed my account.
Product: Credit card

This company misleads consumers. They don't disclose what the actual terms are until AFTER they obtain your confidential details, including social security, open a profile by default that I can't delete. They only allow you to close a subscription account but are retianing my confidential data. I would never have provided them my confidential information had they disclosed to me that they were strictly a department store credit card and there were subscription fees. Again, they disclose this card is NOT a line of credit AFTER retaining my confidential details. They claim to offer other benefits to improve credit scores, such as opening a savings account. And finally, after studying the reviews on the XXXX XXXX XXXX, it's apparent that there are many fake XXXX star reviews. Please note, that the XXXX star reviews are from consumers that have been scammed by this company and provide specific recurring reasons. 

Company Name : Kikoff Website : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

This company violated my civil rights. And the discriminated against me. 
Violation of U.S. Code S 242 Violation of 18 U.S. Code S 1001 XXXX violated my basic consumer and civil rights by having me trespassed from cash America by providing false information to law enforcement. 
XXXX & XXXX continue to violate basic consumer laws and coerce consumers with intimidation and false reports to law enforcement.

Company filed a fraudulent Trespass against me falsely stating that i intimidated people when i was legitimately trying to sell authentic jewelry pieces. I have also given the story to news stations about the insubordination and illegal business practices this pawn shop does to their customers.
Product: Debt collection

This was done my identity theft I did not open this. 
The balance is XXXX they took off my report XXXX They put the balance back on report XXXX This is a collection agency
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm getting a steady stream of 'rejection letters ' from Comenity Bank of XXXX XXXX Ohio XXXX despite never once giving them permission to look into my credit let alone actually applying for credit with Comenity Bank XXXX I've contact them on many occasions over this matter and it has no where with them. This steady stream of unsolicited inquiries into my credit/ rejection letters has not hurting my credit history but also my repuation. I've contacted the Attorney General of XXXX the XXXX  of XXXX twice/ the credit bureaus on many occasions/ and this third time I've contacted this department about this very same issue and has gotten nowhere
Product: Debt collection

I received a served notice stating that I was taken to court ( without notice in XX/XX/2018 ). Which I found to be false when I called the city court of XXXX. They stated they ( XXXX ) just filed something but it wasn't complete in XXXX. I called XXXX I was going to try to work something out, although this is not my debt. My information was taken by someone that was a visitor in my home. I explained to XXXX that I have no money I am on a fixed income with the federal aid. I can not afford to pay this debt that I didn't create. The letter I was served with is not correct and I think or feel I should not have to pay