23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Several years ago I purchased a car from XXXX XXXX. At the time of picking up the car I had auto insurance with the XXXX XXXX XXXX XXXX XXXX Michigan and I told the dealer to contact my insurance agent and transfer my XXXX insurance policy to my new car. 
The salesman only was interested in delivering the car, and without my permission contacted an agent who purchased an insurance policy with XXXX XXXX. The policy never went into effect, I never bought insurance from them as I had valid insurance with AAA. 
The fact that XXXX XXXX is alleging I owe them {$1100.00} is part of a criminal fraud between their agent and the dealership salesman. 
XXXX, XXXX a credit collection agency for XXXX XXXX is adversely reporting a collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX case number Hello, PAY ATTENTION EQUIFAX IS INSISTING I GAVE INFORMATION THAT IS WRONG BECAUSE IT DOES NOT MATCH THEIR INFORMATION. I DO NOT LIE I NEVER GAVE FALSE INFORMATION. I WANT THEM TO SHOW ME WHAT INFORMATION THEY THAT DOES NOT MATCH. NOW THEY SENT ME A SECOND REQUEST TO SUPPLY INFORMATION TO PROVE WHO I AM. 

GET THEM TO SEND ME THEIR INFO FIRST. I THINK THEIR INFO IS NOT MATCHING BECAUSE OF THE WAY THEY PULL IT FROM THE SYSTEM THEY PULL BY THE ADDRESS ALONE INSTEAD OF THE NAME AND ADDRESS. I LIVE WITH MY MOM I THINK THEY ARE GETTING HER INFO AND SAYING MINE IS NOT MATCHING AND IT SHOULD NOT IT IS MY MOMS INFO NOT MINE. I SAID THIS MORE THEN ONCE. I WILL NOT SUPPLY DOCUMENTS UNTIL THEY SHOW ME WHAT THEY CLAIM I AM GIVING TO THEM THAT IS FALSE INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX by way of their own admission has falsified information they provided to the CFPB ( see attached documents ). EQUIFAX still continues to violate my rights under the FCRA Section 623 ( a ) ( 1 ) ( A ) and 623 ( b ) ( 1 ). EQUIFAX has had 2 opportunities to conduct an investigation into the account list below, since more that 30 days have past and EQUIFAX DID NOT RESPOND within the time allowed by Federal law. However EQUIFAX still continues to report this UNVERIFIED account to my credit file. On XX/XX/2022 EQUIFAX responded to my CFPB complaint and stated XXXX XXXX is not currently reporting to my credit file this is a FALSE and misleading statement they made in response to my complaint, this response is nothing but an attempt to close my CFPB complaint, and still continue to violate Federal law. 
Account Name : XXXX XXXX
Product: Credit card or prepaid card

This is now the 2nd time dealing with XXXX Store Card and the same payment allocation issues. 

The XXXX Store Card has promotional financing which offers 0 % interest for 6 months if paid in full within 6 months on purchases over XXXX . I made several purchases less that {$150.00} which are non promotional and subject to interest. On the XXXX Store card payment site, a user can select to have payments allocated to NON-promotional balances first ( option 3 below ). This was also not during a billing period in which a deferred interest promotion expires, so the note in option 3 did not apply. I choose this setting in order to pay off NON-promotional balances first so I will not be charged interest. After reviewing my account, I see that XXXX has allocated my payment to promotional balances and left the NON-promotional balances still applied. This is FRAUD! If I was not vigilant with my account, I would have been charged interest. This is now the 2nd time this has happened and I have had to deal with customer service for hours to try and have my payment allocated correctly. 

1. Standard Allocation : Payment received in excess of minimum payment amount due will be applied to non-promotional balances before deferred interest promotional balances except in the last two months of a deferred interest promotion. In the last two months of a deferred interest promotion, the payment amount in excess of the minimum payment due will be applied to the deferred interest promotion ( s ) that are in the month of expiration and/or the month prior to expiration.

2. Allocate Payment to Deferred Interest Promotional Balances First : Any payment you make ( including the required minimum payment due and any additional amounts ) will be applied to the deferred interest promotional balance before the non-promotional balance.

3. Allocate Payment to Non-Promotional Balances First : Any payment you make ( including the required minimum payment due and any additional amounts XXXX will be applied to the non-promotional balance before the deferred interest promotional balance. Please note, even with this setting, during a billing period in which a deferred interest promotion expires, if your payment is enough to pay off the expiring promotion, your payment will be applied to the expiring promotion first before the non-promotional and other balances on your account.
Product: Checking or savings account

I was on a payment plan for back taxes with the IRS. I set up the payment plan to be drafted from my Truist account starting in XX/XX/2021. In XXXX of XXXX I received a letter from the IRS that I was in default bc no payments had been received. I have records showing the amount was withdrawn from my account but the IRS says they never received it. I asked Truist to provide proof of where they were sending the payment deducting my account and their external routing did not match anything the IRS had on file. Truist also continued sending out the payment despite the fact there was no external request prompting it as of XX/XX/2021. The IRS had closed down that payment request for what was showing as default on their end. In total, Truist sent almost {$7000.00} out of my account but neither party can account for where it went.
Product: Credit card or prepaid card

During Hurricane XXXX  I lost a huge account. I got behind in my American Express payments. I had several other credit cards who worked with me. I tried talking to American Express without success. They jacked my interest rates up to 29.99 % and then cancelled my credit card. They had men call me almost every day harassing me to pay my bill. My wife and I took out loans to pay it off and she tried to be added as a user so she could communicate with them. Because they cancelled my card they wouldn't add her, nor would they talk to her about payments. We owed about XXXX. We paid off XXXX in one lump sum ( the minimum required was XXXX ). Imagine our shock when we got a bill from AMEX STILL charging us 30 % interest and the credit card is still cancelled. They harassed me mercilessly and the men were all foreign speaking with a heavy accent and were very very pushy. Every other credit card is charging me about 11 % interest. Please help.
Product: Money transfer, virtual currency, or money service

I found an " adoption '' page on XXXX for XXXX  XXXX kittens, selected a kitten from their page I wanted to adopt, paid the deposit that was required for the kitten using PayPal, the required form of payment ( {$700.00} ). A week later, after speaking with the individual whom I adopted the kitten from for a week, had a signed contract, and a receipt for my purchase, I was sent to a home in NJ, XXXX hours away from my home to pick said kitten up, and it was a scam. The address was " fake ''. There was no kitten at the address given to me. I was told to wait in the driveway, they were on their way there, however they never showed up, then they blocked me from being able to message them. I tried to recover my loss through PayPal, and they told me they could not help me because I used the " friends and family '' way of payment, and there was no way to guarantee that I got what I had purchased.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet is reporting inaccurate information on my credit report and refuses to correct it even when I have sent proof of the fraudulent information. 
As a borrower and current college student I have had a horrible and unfathomed experience with Nelnet. I am currently in deferment as I submitted an IDR plan and now because of Covid19. I have between XXXX accounts with Nelnet and they have issued 10 late payments on each account causing my credit score to drop and now I am denied credit and to obtain a vehicle to take my children back and forth to the doctors. One of my children is XXXX and having reliable transportation is a necessity for me but because of all the late payments I can not acquire a car. The late payments Nelnet has added to my credit report are fraudulent and they are reporting inaccurate information. Between XXXX there has been so many complaints with Nelnet adding late payments to accounts, not properly adding payments and causing borrowers to get in over their head to repay or live a suitable life. All of my Nelnet accounts that were part of the XX/XX/XXXX through XX/XX/XXXX late payments show deferment status effective as of " XX/XX/XXXX. '' Also XXXX XX/XX/XXXX. Also, I was enrolled full time before any payment in XXXX became due. Therefore, my credit reports do not currently accurately reflect previous payment statuses with Nelnet, both as they actually existed and as Nelnet has recorded them. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the six accounts showing a 60-day late payment in XX/XX/XXXX through XX/XX/XXXX be updated and/or corrected and removed. 
In the event that these reports are not immediately updated to accurately reflect my payment status during XX/XX/XXXX through XX/XX/XXXX, I intend on filing disputes with each credit bureau in addition to official complaints with the FTC, CFPB, XXXX, and pursue other legal routes if necessary. I have sent nelent more information showing I was in school and forbearance letters they sent me but they refuse to remove late payments. I am not asking for removal of any accounts but they late payments that they are reporting inaccurately that is damaging my credit report and hindering me from obtaining a stable home and transportation because of false information that XXXX knowingly will not change
Product: Debt collection

The account in question was fraudulently opened in my name by my sister XXXX XXXX without my knowledge or consent while I was no longer residing at the address on file. I only recently became aware of this fraudulent activity upon reviewing my credit report. 
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to dispute inaccurate or fraudulent information on my credit report. Because this account was opened without my authorization, it is not a valid debt under my name and must be immediately removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the method of verification for dispute initiated on XXXX/XXXX/2022 followed up with written disputes on XX/XX/2022 regarding the disputed items below. It has been more than 30 days and I have not received any proof that your company validated the debt. Youre also reporting incorrect addresses on report 1. Validate Account XXXX XXXX 2. Account # XXXX 3. Please delete account or provide validation information For each of the disputed items above, I am requesting that you provide the following information : 1. The name of the original creditor 2. The creditor 's address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute
Product: Debt collection

The XXXX Office of XXXX XXXX XXXX ( XXXX ), also known as " XXXX XXXX, XXXX, '' located at XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX, has repeatedly and falsely attempted to collect debts from me, even though they have clearly agreed in writing that the amount in question was paid by the now-defunct insurance company, XXXX XXXX XXXX. I am aware that other patients have had similar false claims submitted to collections by this same office, and I am urging federal and state consumer protection officials to take immediate action to stop this office from pursuing such fraudulent collection actions. 

On XX/XX/XXXX, I visited XXXX XXXX 's office for a XXXX appointment. At that time, I paid a {$20.00} co-pay to XXXX XXXX 's office because the provider was explicitly listed as a " Tier 1 Provider, '' as documented in writing by XXXX XXXX XXXX. 

In XX/XX/XXXX, I was contacted by a collection agency, XXXX XXXX and XXXX XXXX ( XXXX ) claiming that I owed XXXX XXXX XXXX a {$40.00} co-payment. Land of XXXX stated that this was an error and that I did not owe any amount to XXXX XXXX office. A staffer named XXXX XXXX in XXXX XXXX XXXX later confirmed twice in writing, on XX/XX/XXXX and XX/XX/XXXX, that I did not owe any amount to XXXX XXXX office and that the amount was due for reprocessing by XXXX XXXX  XXXX. XXXX also indicated that XXXX XXXX office would immediately remove this inaccurate debt from the collections agency and my credit report. 

In XX/XX/XXXX, I began receiving inaccurate collection notices from a different collection agency, Armor Systems ( XXXX ). I explained to Armor Systems that the collections attempt is in error and that the debt is not owed by me. Armor Systems agreed to contact XXXX XXXX office on my behalf to resolve the matter. However, when I contacted XXXX XXXX office about the same, they responded on XX/XX/XXXX and refused to release the {$40.00} amount from collections. 

This is the third time that XXXX XXXX office has wrongfully filed an inaccurate balance with a collection agency, and because of this, it has had a negative impact on my credit score. ( XXXX XXXX 's office has also incorrectly stated that I visited their office on XX/XX/XXXX, a visit that never occured. ) I am deeply concerned that XXXX XXXX office may be in violation of federal consumer protection laws, such as 15 USC 1692f 807 of the Fair Debt Collections Practices Act. XXXX XXXX office may also be in violation of consumer protection laws in the State of Illinois, such as the Collection Agency Act, 225 ILCS 425/9.7, which empowers the Attorney General of Illinois to enforce fraudulent collection attempts. 

I am urging federal and state consumer protection officials to immediately investigate and resolve this matter, and to investigate and resolve any similar attempts by XXXX XXXX office to collect on fraudulent debts from other patients. 

I have attached evidence documenting the series of events outlined above. I look forward to a prompt resolution of this matter, including the immediate removal of this fraudulent claim from my credit report and from Armor Systems account in my name.
Product: Credit reporting or other personal consumer reports

XXXX is being prejudice. XXXX is hiding XXXXXXXX XXXX XXXX from my credit report.in attempt to stop me from filing a dispute deny me the right to file a new dispute old report # XXXX XXXX XXXX. XXXX is being prejudice by not updating my credit report. XXXX has been treating me unfair by looking at my supporting evidence that supports my dispute. XXXX has been prejudice against me by allowing illegal credit score dropping as well and harshly. for example, 2021 chime closed my acct due to their error ( chime error ) submitted letter of error to XXXX they XXXX drop my score XXXX points for a " safe '' credit building card. that i put my money in. chime allowed a transaction to go through on a canceled credit building card that was canceled due to fraud. Chime punished me because they messed punished me for their noncompliance after many chime 2021 policy was its our money its a safe secured card it won't affect my credit but then they closed me out unfairly and XXXX backed them up and despite the facts and evidence letter from chime stating the error was on XXXX behave XXXX refused to restore my XXXX point that were unfairly dropped..
Product: Money transfer, virtual currency, or money service

I transferred money to a person on the phone, who I did not know, but sounded genuine. I did not receive the goods he promised, and I am out {$300.00}. Yea, this was a mistake. 

My wife and I have been customers with Chase for many years, and not only did they state that I had NO recourse whatsoever, the Lady I spoke with at Chase was extremely rude and her manager was the same : XXXX, unhelpful, and condescending. 

Currently, my wife and I have over {$80000.00} in our savings account with Chase, and I feel like I have no help, backing, or protection from this bank. Ive felt this way for years. 

At any chance Chase will nickel and dime me for any small fee or overdraft, but the minute I need something from them, they shut their doors. 

If this situation doesnt get rectified, I will be moving my money over to a virtual currency, and out of the banks, as the banks are too powerful, get government bailouts too often, and dont actually add protection to loyal customers.
Product: Debt collection

The company in question. Sent a typed letter and hand wrote mine and my wife 's SSN # on the letter. This is a breach of state and federal law and I want to pursue action against them.
Product: Debt collection

I am writing to express my extreme frustration and anger regarding the sudden appearance of fraudulent collection accounts and unauthorized inquiries on my credit report. The inclusion of these inaccurate and damaging entries is not only unfounded but also severely tarnishing my financial standing and destroying my creditworthiness. 
XXXX XXXX XXXX XXXX PLEASE DELETE!!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!!! 
XXXX XXXX XXXX XXXX XXXX XXXXPLEASE DELETE!!!! 
XXXX XXXX XXXX INQUIRY DATE XXXXPLEASE DELETE!!!! 
XXXX INQUIRY DATE XXXXPLEASE DELETE!!!! 
XXXX XXXX XXXX INQUIRY DATE XX/XX/2023 PLEASE DELETE!!!! 
XXXX XXXX XXXX INQUIRY DATE XX/XX/2023 PLEASE DELETE!!!! 
XXXX XXXX XXXX INQUIRY DATE XXXXPLEASE DELETE!!!! 
XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/2023 PLEASE DELETE!!!! 
XXXX XXXX XXXX XXXX INQUIRY DATE XXXXPLEASE DELETE!!!! 
XXXX XXXX INQUIRY DATE XXXX DELETE!!!! 
XXXX - XXXX INQUIRY DATE XXXX DELETE!!!! 
XXXX XXXX XXXX  INQUIRY DATE XXXX DELETE!!!! 
It is utterly distressing to discover such derogatory information on my credit report, especially when my financial history has previously been impeccable. The sudden and unexplained appearance of these fraudulent collection accounts and unauthorized inquiries is not only shocking but also completely unacceptable. 
I demand an immediate and thorough investigation into these matters, and I expect prompt action to rectify these inaccuracies on my credit report. The presence of fraudulent information is not only damaging my creditworthiness but also causing undue distress and frustration. 
I find it incredulous that such damaging entries could be added to my credit report without proper verification and validation. It is your responsibility, as a credit reporting agency, to ensure the accuracy and integrity of the information you report. Your failure to do so is a direct violation of the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

In accordance with the Fair Credit Reporting Act the account below has violated my federally protected consumer right as it relates to 15 U.S. Code S 1681. Account Name : Barclays Bank Delaware # XXXX XXXX Credit Report I reviewed my credit report on XX/XX/year> I noticed somethings are incomplete and not accurate. I wrote to said company ( certified mail ) requesting validation of the alleged debt, including any original signed contracts or agreements. Said company has NOT and DID NOT provide proof of such account, including original signed contracts or agreements. According to the Fair Credit Reporting Act 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 15 U S Code 1681 ( e ) ( b ) And according to 15 USC 1681i5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general, if after 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 Ii ) promptly delete that item of information, as appropriate, based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are supposed to 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: Checking or savings account

Went to the Synovus branch at XXXX XXXX XXXX XXXX, XXXX FL XXXX on Wednesday XX/XX/XXXX to open a CD based on an advertisement I received ( and a variation of the ad happened to be on a desk within the branch : XXXX 4.6 % for 13 months ). Manager phone number : XXXX ; branch assistant ph number : XXXX. 

1 ) Notably the representative at the desk did not speak fluent English, but XXXX  ; 2 ) Immediately, he informed me that the promotion was not available for me, but only for existing customers, that I as a new customer could only receive 4.4 %. I went to the ad on the desk and it did not say that, it confirmed simply 13 months for 4.6 %. We brought this to the attention of others in the branch and then they said, ok if you open a checking account as well, you can receive the promo rate. Although the ad on the desk did not say that, I agreed ; 3 ) I requested that Synovus not mail paperwork, and they said they had to - no problem I agreed. I leave and then unexpectedly about an hour later receive a call from the no English speaking representative, telling me about opening the account on line or something of that nature in order to adjust the settings to no mailings. Ok, at this point I have concerned about this branch at Synovus and tell the lady who helped XXXX XXXX XXXX open the CD that I would need to part ways with Synovus, get my money back and go elsewhere. I am told the manager would call tomorrow ; 4 ) Branch manager calls Thursday XX/XX/XXXX, said sorry for my experience and troubles. Offered to close the CD and return my money tomorrow ( XXXX without penalty ) ; 5 ) XX/XX/XXXX is today, I receive a call from yet another employee in the branch informing that there will be a 12 day hold on my money - it'll be available XX/XX/XXXX - AGAIN, not what was agreed upon when the branch manager offered to close the CD and return the funds. So, it was trouble with their ad, outrageous that they have someone who can speak English making representations, and then another slick move in holding the money for 12 days without telling me what he intended.
Product: Debt collection

Winn Law Group is very unprofessional, rude and illegal! Attempting to collect on a very old debt from XXXX ... .this account was an identity theft in first place and XXXX received dispute complaint back in 2015 and I NEVER received any collection notices from them and all of a sudden now collectors from WINN LAw group are threatening to arrest me if I didn't pay the full balance owed immediately? .... I'm on XXXX which is my only income and they are threatening to levy my accounts and garnish my XXXX pay .... Isn't this illegal to do? ... please help WINN Law Groups claims to be collecting for XXXX, who stated they do NOT have any past due balances on this account or in my name .... 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX