23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Prime Acceptance &   XXXX   XXXX   XXXX  are collecting on the same debt at the same time and both reporting to credit. I have read several complaints about them doing this same thing to people. By law  XXXX  companies can not collect on the same debt at the same time. They are both in violation,
Product: Checking or savings account

I received a XXXX in the name of XXXX XXXX XXXX but we do not have the IRA account XXXX In XX/XX/year>, I opened an IRA account for tax-deductible purposes, but the CPA informed us that our income was too high to qualify. The next day, I went to cancel the IRA account, so we no longer have XXXX. 

XXXX. I visited the bank at XXXXXXXX XXXX XXXXXXXX XXXX XXXX in Rotten ) and explained that we do not have an IRA account, but we received the XXXX. I asked them to correct the issue. However, the bank employee said they didnt know what to do and gave me a phone number to contact. 
XXXX. On XX/XX/XXXX ( Saturday ), I called the number ( XXXX ) provided by the bank. I was connected to a department that didnt know how to handle the issue. I then spoke to a supervisor, who gave me another phone number ( XXXX ) and told me to call during business hours on Monday. 
XXXX. On XX/XX/XXXX at XXXX XXXX, I called the new number I received, but the employee I spoke to also didnt know how to help and transferred me to another department. After waiting XXXX minutes, I received a number for the investment department. I called again, but they didnt know either. I wasted more than an hour with help. 
XXXX. I tried to contact the bank via email through their website, but couldnt find an email address. So, I switched to XXXX and reached out for support. On XX/XX/XXXX at XXXXXXXX XXXX, I requested that they correct the XXXX. The bank employee ( BB ) and I exchanged messages, and the person requested the XXXX by email ( XXXX ) with case number ( XXXX ). They promised to research the issue and get back to me. 
XXXX. On XX/XX/XXXX, I was contacted after their research, and they wanted to speak with me. They confirmed that there was no account in our name, but after contacting the XXXX department XXXX XXXX explained that even though the account was canceled, the XXXX was still issued, and they said they could not make any corrections. 

The issue is that the gross distribution listed is {$7500.00} on XXXX with Code XXXX, but we never received this amount. The IRS has been notified that we received this amount, but we have not received it, and if we file our taxes, we will be responsible for paying taxes on this amount. 

I don't understand how a XXXX can be issued for an account that was canceled, and how they can calculate an amount we never received. According to my CPA, I need to receive a corrected XXXX form showing a gross distribution of {$0.00}. 

This bank has no clear system in place, and the employees are not properly trained. No one knows who to contact, and in the end, it seems like the customers are left to bear the full burden of the issue.
Product: Student loan

I was not informed that the loan required that I start making payments immediately while in school. Now that school is complete I have a total payment that is twice the amount I originally borrowed. How is it possible to have more interest than the original amount borrowed? I have tried to work with navient but with no success. Can not afford to pay more in interest than originally borrowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ' ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account Number : XXXX. I have tried everything to dispute this with the credit bureaus and they verified all of the information as accurate. I am working so hard to bye a house and keep running into problems. I WAS NOT EVEN IN COLLEGE IN 2019, I GRADUATED XXXX SCHOOL XXXX YEARS BEFORE THIS. I just got my reports and I think it is wrong! I was told I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. *pay off disclosure *interest rate disclosure *balance history *payment history *credit insurance ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation Thank you so much!
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX XXXX  My refrigerator stopped working The factory warranty is still in effect but I need the receipt to get it repaired. 
I have paid the appliance off already and never received the receipt
Product: Debt collection

THEY REFUSE TO PROVIDE THE FOLLWOING : 1.COPY OF SIGNED LOAN AGREEMENT AND/OR CREDIT CARD APLICATION/CONRTACT TO PROVE AND VALIDATE DEBT 2. COPY OF CANCELLED CHECK FROM ME TO THE ORIGINAL CREDITOR TO PROVE AND VALIDATE DEBT 3.THEY ALSO HAVE NOT DELETED NOR REMOVED THEIR REPORTING ON MY CREDIT REPORT WITH ALL CREDIT REPORTING AGENCIES.
Product: Debt collection

I have been recently released from Incarceration and notice this unknown account on my credit report I have never applied for any type of credit.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the XXXX  Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Payday loan, title loan, personal loan, or advance loan

I called Cash One and reported a duplicate payment I did not authorize. This was after I pulled XXXX thinking I was getting an advance on my existing loan, when in reality this was my money from an unauthorized payment. I had called to change out my debit card only and the rep also took a payment without expressed consent. They would not reverse the entire transaction after I told them they made a mistake. I disputed the payment with my bank and they reopened the paid off loan added it to my current loan ( which they said they couldnt do originally ) and are charging me interest on a payment they took to begin with. Its fraud what they are trying to do. They need to pay for their own mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Transunion is inaccurately reporting information on my credit file which is direct violation of The Fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer report clearly states Accounts 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 are a clear violation of the law, Under 15 USC 1681b-permissable purpose of consumer reports the law clearly states
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 an 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: Debt collection

I keep on receiving notices for a debt collection company called ARS, Stating that I owe {$1500.00} from a company I have never been associated with, it states that the original creditor XXXX XXXX. I never dealt with that company or owed them money. I spoke to ARS, I told them this has to be a result of identity theft, and they still trying to collect this debt and threatening to report it on my credit report.
Product: Vehicle loan or lease

12 U.S.C. 5531 - U.S. Code - Unannotated Title 12. Banks and Banking 5531. Prohibiting unfair, deceptive, or abusive acts or practices 2018-BCFP-0008 Document 1 Filed XX/XX/2018 Account : XXXX I, XXXX XXXX XXXX, have been in constant communications with multiple representatives of Santander Consumers USA, each and every one of them, have a different misleading story.

Santander Consumers USA, Sent me a Notification Letter saying there's a refund for unearned Gap Insurance without a check for the amount of {$570.00}, this is deceptive and misleading a settlement Letter to the Affected Consumer. 

Santander Consumers USA, representative told me to send a email to unclaimed property department and that will take about 20-30 weeks to respond after the Consent Order comes to an end. 

Santander Consumers USA, has deceitfully attempted to mislead and unfair abusive practice. Affected Consumer, Santander Consumers USA, is in Violation of the Consent Order ; l. Respondent means Santander Consumer USA Inc., including when doing business as XXXX XXXX or XXXX, and its successors and assigns. 

m. XXXX XXXX means the optional financial product that Respondent offered to consumers in connection with auto loans, which purported to fill the gap between the primary insurance payout and the outstanding amount of the auto loan in the event that the vehicle is a total loss, and any similar guaranteed-asset-protection product offered by Respondent under any name.

9. Respondent also used the following language to market XXXX XXXX : Your auto insurance may be inadequate to protect you financially in case of a total loss through accident or theft. If your loan balance is greater than the current cash value of your car, GAP ( Guaranteed Asset Protection ) can be a great way to protect you. Your insurance payout could end here. GAP takes care of the rest d. Describe the processes for issuing, delivering, and tracking payments to all Affected Consumers, including processes for handling any unclaimed funds ; j. Include the form of the letter ( Notification Letter ) to be sent notifying Affected Consumers of the restitution, which must include language explaining the manner in which the amount of restitution was calculated and a statement that the provision of the payment or statement credit is in accordance with the terms of this Consent Order ;
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report was accessed on XX/XX/2021 as indicated by a hard credit inquiry. 

I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via USPS to the address indicated on the Experian credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. 

The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.
Product: Debt collection

On Friday, XX/XX/XXXX a XXXX from Lake City Credit contacted me on an alleged credit card that I had opened in XXXX, and showed a last payment in XXXX. I asked him to provide proof that this was mine. He feigned confusion. Call was ended. 
On Monday, XX/XX/XXXX he called again. Same script. Asked the same question about providing proof. He proceeded to tell me that no proof was required as they were not the issuing agent and they are just here to collect. It spiraled and the call ended. 
Today, XX/XX/XXXX he called again. This time acting like he had never spoken to me. When asked for proof he assured me letters had been sent to a prior address. Frustration got the better of me, and I ended the call. The same number called me 3 more times in a 5 minute period without me answering. 

They have called from XXXX XXXX
Product: Credit card or prepaid card

I applied for a bankcard with UMB Bank, n.a. Received a letter of denial which listed Issuer 's XXXX XXXX as the credit reporting agency. My XXXX  credit reports shows that UMB pulled a credit report, not the service listed on the letter. UMB did not disclose that they pulled a credit report from XXXX. There were no credit score details or other disclosers included with their letter of denial which are required by law.
Product: Money transfer, virtual currency, or money service

I originally had ticket # XXXX but you stated ticket closed due to wells Fargo stating account was fixed. I am beyond appalled and frustrated that they would continue to flat out lie. The accounts have not been resolved but rather they keep calling me because they cant figure out what they did. My funds have been frozen since XXXX. I have now spoken to 57 representatives and not one of them can account for what they did. I ended up incurring {$800.00} in overdraft charges. I am a single mother of two and I had to take a loan from my boss to open a new account with a different but WF does not understand that this set me back with all my bills. I really cant afford an attorney but there has to be something we could do we are going 2 months of waiting. Then for then to send that letter to you knowing the account is still open is past anything they have done. Please please I am asking could you please not give on my case.
Product: Money transfers

For more than a year ( since  XXXX    XXXX   indeed ) I have been unable to login to my  Paypal account as Paypal restricted my login with arbitrary and illogical reasons, and as I moved and changed my landline phone number, I can not receive the nonsense automated phone call to my original phone number on file with Paypal . In addition, I have a balance of around  XXXX  Euros that I am unable to withdraw because of this unexplainable limitation and the most regrettable matter is that I can not send or receive payments via  Paypal. Besides, my bank account can not be used for another Paypal account as Paypal does NOT allow the same bank account to be used in more than a Paypal  account, which is really a stupid limitation!   I point out that NOBODY other than me entered my Paypal account  XXXX  XXXX  XXXX  and if Paypal suspected of an unathorized access, that is erroneous!
Product: Credit reporting, credit repair services, or other personal consumer reports

couple months ago i reported Chase for improperly using my credit. I called and transfered credit line from one credit card to another. while i was doing that i asked if it would hurt my credit. i WAS told no it would no effect my credit. i called on XX/XX/18 and talked to XXXX. later in the month i saw that there was an impact on my credit after this. yes i did apply for a different XXXX  card and also a chase card. the XXXX  card did not report on my credit yet because i have been watching and waiting for it to. i saw a change in my credit report from chase and this must have been from the credit line transfer after i was told it would not effect it. that is when i filed my last complaint and was told that that inquiry was from applying to my new chase card. they then closed the complaint. i am now receiving today another report of a change from chase that is impacting my score. this means i must have been hit 2 times for applying for one card. and if my score was impacted for transferring credit, i was told the wrong information and this should be removed from my credit report. it has cost me time and my credit score
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated.

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.

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!

Update the late payments from my consumer reports
Product: Debt collection

When reviewing my credit report I notice that L.J. Ross Association is attempting to collect this allege debt. I never gave them my written consent to furnish these things on my credit report. This is defaming my character and violating my rights as a consumer. I have attached the copy of my invoice which is due within 10 business days on a 10 % fee will be applied. I have attached a copy of my ID & SSC & a copy of my identity theft report ( FTC-XXXX ). Below are the violations L.J. Ross Association is in violation of 15 usc 1692b ( 4 ) L.J. Ross Association is in violation of 15 USC 1692c ( a ). L.J. Ross Association is in violation of 15 USC 1692c ( 1 ) L.J. Ross Association is in violation of 15 USC 1692d ( 1 ) .L.J. Ross Association is in violation of 15 USC 1692d ( 3 ) L.J. Ross Association is in violation of 15 USC 1692eL.J. Ross Association is in violation of 15 USC 1692f ( 1 ) .L.J. Ross Association is in violation of 15 USC 1692g
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a bunch of late payments on the dates below : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me. I immediately paid the account off once i became aware of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a CFPB complaint on Caliber Home Loans , Inc. to investigate why I received a 30 late payment on my credit report. The claim was not corrected and this 30 day late payment should not be on my credit report. Therefore, I am refiling a CFPB and respectfully requesting that Caliber Home Loans , Inc., pull all phone records wherein you will find that I was told by the representative that there would not be a late payment reported on my credit report. I submitted all of the required documents pursuant to the website check list and I received a letter on XX/XX/XXXX stating they would offer me an opportunity to enter into the FHA HAMP program. I had to contact Caliber in writing by XX/XX/XXXX. I  sent all of the documentation on XX/XX/XXXX. In order to accept this offer I also had to make a payment by XX/XX/XXXX, however I made my first payment earlier than that on XX/XX/XXXX. I entered into this program, I followed all of their instructions including when to pay, and I was told I wouldnt have another payment for two months. However, I am on auto draft and they were suppose to take out my payment according to their new schedule. They didn't apply a payment to the correct date and now Im being reported late on my credit report. Late for XXXX and XXXX, 2018. These were the two months that I was suppose to be entered into this program and I was told I didnt have to make a payment. This incorrect reporting is harming my credit score.