23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ive been affected by three separate leaks of information in the past two years. Mainly the XXXX XXXX, XXXX XXXX, and other financial data leaks.
Product: Payday loan

On XXXX XXXX, 2015 ACE CASH EXPRESS withdrew the final payment on a loan I had taken out with them with a 6 month repayment plan. The payment went through fine and there were adequate funds to cover it. Two weeks later ACE CASH EXPRESS began calling me non-stop, stating that the payment had been returned by the bank because of insufficient funds. I checked with the bank multiple times and this turned out not to be true- the statements show the payment cleared. When I informed the lender of this they told me I had to prove it and have continued with harassing phone calls and demanding money telling me it had gone to collections. In order to stop the harassment I sent in an extra payment. Please note this lender also provides borrowers with no documentation of their loan, no online account access where you can see how much you have paid and owe and so on. Borrowing from ACE CASH EXPRESS is dangerous for consumers. I have attached my bank statement showing the payment went through successfully on XXXX/XXXX/2015.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of inquiries which do not belong to me or were opened without my permission. 

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: Debt collection

I received a letter stating a medical bill I was unaware of was sent to collections. Immediately, I called to resolve the matter and make payment arrangements. They declined what I could afford and told me either {$5000.00} down and {$5000.00} the following month or 3 consecutive payments of {$3000.00}. The told me this was the only way they could accept my payment and I told them I would see what I could try to figure out. 

After confirming with my options that those just are not realistic arrangements I called them to atleast make a payment and see what I could continue to afford. They told me they could not accept my payment because it wasn't enough and that they are now going to put it against my credit. I tried multiple times to have them take my payment and they declined. I asked them if I were to go online and make a payment, since they would not accept it, if they would send me a notification with my new balance owed before reporting to my credit and she said they don't do such a thing. 
The fact that she declined my payment and refused to come up with a realistic arrangement for monthly payments is completely unfair. 
The company 's name is XXXX XXXX XXXX. She was a senior representative and her name was XXXX. The most recent call took place on XX/XX/XXXX at XXXX.
Product: Mortgage

Apparently starting XX/XX/2021 XXXX XXXX XXXX sold my loan to Mr Cooper without my consent or prior notification. My loan payments are set up on an auto draft. Several days AFTER XX/XX/2021, I received a letter saying the loan had been transferred and I needed to send a payment to Mr Cooper. I had no prior warning or input into this change!!! 

Since this letter was not a standard billing statement, I wasnt about to mail them a check until making sure my account hadnt been auto drafted for the XXXX payment. Within a couple days, I received a billing statement for XXXX showing I needed to pay XXXX and XXXX. I promptly made that payment for both months which was posted on XX/XX/2021. On XX/XX/2021 a letter was written to me saying I was 30 days behind on my loan payment. I greatly resent receiving any such letter!!! 

At no time should a loan servicing company transfer a loan and send notice to the mortgagor AFTER the payment date. Then have the audacity to send a 30 day late payment notice AFTER the payment was made. I did everything I could reasonably be expected to do and feel helpless in these loan servicing companies profiting from my loan without any regard for the mortgagor. Both servicing companies should have an obligation to notify the mortgagor at least 30-60 days BEFORE the loan is transferred not AFTER the payment is due!!! 

I am concerned my credit will be affected by this transfer due to no fault of my own. This process needs to be regulated to protect the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

collection accounts- In your letter, say its illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. I never received a 1099-1. Remove this information from my consumer reports immediately. 
XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$290.00} Late Payment 15 U.S.C 6802 Gramm-Leach-Bliley 15 USC 6802 ( a ) ( a ) Notice requirements Except as otherwise provided in this subchapter , a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

-a court and a credit bureau are nonaffiliated third party institution.

Non personal information means personally identifiable financial information ( address, name, phone number, social security number, credit report information, late payments, student loans, bankruptcy, etc ) XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX  - Balance : {$170.00} Account Name : XXXXXXXX XXXX XXXX  - Balance : {$600.00} Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$2300.00}
Product: Checking or savings account

Bank did not give {$200.00} welcome bonus for my checking account. 

This is the advertisement : To qualify for the {$200.00} bonus : open a new Fifth Third Essential Checking account, within 45 days of opening the account make deposits totaling {$500.00} or more AND then maintain a balance of at least {$500.00} for 60 days from the date the balance requirement is reached.

I deposited {$600.00} on XX/XX/2018 and maintained the average balance for more than 60 days. Never received any bonus. Made several attempts by contacting various branch locations. I opened the account online and no branch is taking ownership of this problem
Product: Debt collection

I have been in communication with Transunion for the past few weeks I still cant access a copy of my report and never received XXXX in the mail as they promised. Its been XXXX weeks. My disputes with this company disappeared after they replied with a letter asking for proof of identity to be turned in. I called to verify they resubmitted my complaints again saying no actions were ever put into place on my behalf. That's a lie I submitted my disputes online its unfair. Today I was told my account cant be accessed at all. 

See attached documents :
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a XXXX a punt thats on my equifax and XXXX credit report this account is fraud and it needs to be deleted and blocked, im suing XXXX for a data breach and leaking my information on the dark web, because of this data breach this has caused a lot of issues with identity theft, i did file a ftc identity theft report about this account please take this account of my credit reports its fraud and someone is using my name
Product: Student loan

I was treated unfairly with my students loans from the school I attended. The school was splitting up XXXX loan into small loans causing me to owe more money and making it harder to repay.
Product: Prepaid card

On XX/XX/2024, I got an email from American Express reminding me to use my prepaid card that was a graduation gift from a family member. I then logged onto American Express so I could do that and saw that of the {$250.00} total amount, someone in California had used {$240.00} to get a target gift card. So I reported that as fraud and, at that point, the charge was still pending. It was debited by American Express on XX/XX/XXXX. I was told that it would be fine since I put a complaint in before the amount was debited. They just got back to me and said it was denied. I asked for an explanation of why and requested to arbitrate.
Product: Credit reporting or other personal consumer reports

Early Warning XXXX XXXX XXXX XXXX. 
XXXX, AZ XXXX Dear sir, I have received an email which had two attachments regarding the XXXX XXXX XXXX. Dispute Case ID is XXXX, and account # is ending number of XXXX. As one victim of fraud, I do not believe the written addresses because I am not sure whether my personal documents have been arrived to the office. In this letter, your company employee stated the reinvestigation confirmed that the information in my file was accurate ; however, I have received two different documents around the end of XXXX. I want to know why you can say my file is accurate without proving and showing me which file is accurate. Since one of the files is difficult to understand, I request the explanation to understand myself. 
Sincerely,
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. 


Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my son went in to Premier Auto located on XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. He went in to see about purchasing a used car with his fiance. 

My son 's name is XXXX XXXX and since I had been into this dealership 1 1/2 years ago, they still had a file for me under XXXX XXXX XXXX on XX/XX/XXXX my new legal name was XXXX XXXX XXXX The salesperson assumed that my son 's fiance was me and he pulled my son 's credit and my credit. He pulled my credit without permission. I was not even at the dealership. I was not co-signing and had nothing to do with this transaction. 

I received a notification from 2 of my credit bureaus that a hard inquiry was done on my account and immediately contacted the dealership. My son was still there and confirmed that he never even brought up my name. The salesperson apologized and said it was his fault but didn't know how to fix it. I have been dealing with XXXX at XXXX since XXXX to get this inquiry off my credit report. Although he has been helpful and responsive, the inquiry is stil on XXXX  and XXXX  and it has been approximately 3.5 months. I am getting frustrated and feel that they are giving me the run around. 

All that I am requesting is that the hard inquiry be removed from both of my credit reports as they pulled my credit report fraudulently. 

Thank you for your time. Please contact me if you need further information.
Product: Bank account or service

The Bank of America is charging excessive overdraft fees. The charge for being overdrawn less than XXXX hours resulted in a {$70.00} fee. This should n't be legal.
Product: Mortgage

Our insurance company fax proof of insurance to Ocwen 7 times in the last 6 weeks they just placed Force insurance and took {$1400.00} out of our escrow account I do n't know what else to do to prove to these people we have insurance
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX. XXXX XXXX is my husband. On XXXX XXXX XXXX XXXX purchased the loans and this was placed on my credit. On XX/XX/ via certified mail ; I request validation of the debt of all of different amounts reported on my credit. ( Same account number which was XXXX, but different amounts ). First, with the help of the XXXX XXXX XXXX  ; I found out these accounts were sold to XXXX. XXXX first denied it, but they purchased this account in the amount of {$27000.00}. This was an agreement between XXXX, US Dept of Education, and XXXX. Then on XXXX XXXX XXXX XXXX from XXXX stated, XXXX XXXX XXXXXXXX XXXX Account # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ) has reviewed your concerns. Following is history of the nine loans in question held by XXXX that match the first & last name, mailing address and email address provided by you on this complaint. '' XXXX stated that this account belongs to XXXX XXXX. I have never in my life been identified as XXXX XXXX. To this date XXXX, XXXX, or US Dept. of Education has yet to provide to me an original signed contract in addition, XXXX provided proof to myself and XXXX that the nine accounts belong to XXXX XXXX. XXXX wishes for me to accept this as an simple typographical error. I REFUSE TO!! I have been reporting on multiple occasions that the loans are not mine has here is proof and XXXX. XX/XX/ the XXXX discount the amounts 107 %, the amounts as reported on my credit do not have a payment amount further proof that there is not accounts associated with me and these entities. This company provided alledged spreadsheets. All the proof that was given to me by XXXX, showing further proof that their records was and can be altered, .i.e. the account belonging to XXXX XXXX. These accounts were falsely generated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I authorized monthly drafts for repayment of my loans. I have been reported to the credit bureau for nonpayment, resulting in a drastic decrease to my score, resulting in my inability to provide housing for myself and my son.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX is when i submitted my very first letter to all XXXX major credit bureaus trying to remove and update all incorrect information due to identity theft. Till today ( XX/XX/XXXX ) nothing has changed. I have filed a second police report on XX/XX/XXXX. I sent all the info of the police reports, I sent all the letters explaining to them that some of the addresses, debt, and collections do not belong to me and they were opened fraudulently. I even asked them to provide proof and info on how they are verifying this debt and nothing has been received from them. Its been over 3 months since I have requested that information. I have froze my accounts and submitted identity theft reports to the FTC. I have MULTIPLE reports. I am about to file a 3rd police report on identity theft. Below are all my FTC reference numbers. For each number I have submitted multiple letters to each of the 3 credit bureaus and nothing is changing on my credit report, and new things keep appearing almost every month. It is disturbing the quality of my life and I need this incorrect/ fraudulent information removed immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Old National Bank sent out two checks in my name AFTER my account was closed. They conveniently stated that the transaction occurred the day my account was closed. The checks were dated for 7 days after my account was closed. Checks were for {$100.00} and {$300.00}. Now recipients of said checks are being charged fees for return check fees. 
ONB just made excuses to fit their narrative
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 30 day late payment on XX/XX/2017 on XXXX ACCOUNT # :XXXX.The information is incorrect .I was never late on my payments.
Product: Checking or savings account

I was charged overdraft fees in my account. I have been familiar with the policy and able to avoid the fees most of the time. However this week my account was put in the negative. I was able to keep it above the {$50.00} threshold to avoid the fees. Yesterday my account dipped below the threshold and I was able to recover it before the XXXX deadline. Yet this morning I woke up to three overdraft fees. Chase says I have used all my returns for the fees, so now I am negative {$200.00}.
Product: Money transfer, virtual currency, or money service

XX/XX/2018- I sent {$500.00} through XXXX XXXX to a seller as a required deposit to reserve our puppy. I received receipt from XXXX XXXX as well as a receipt from seller via email. 
after numerous excuses from seller as to why I could not come for puppy, I felt uneasy and felt as though I was getting scammed. 
XX/XX/2018- I called my bank to inform them I believed I was getting scammed and to please cancel the transaction, although the bank said it was too late and that I needed to contact XXXX XXXX because there was nothing my bank could do for me. I then proceeded to contact XXXX, with no turn of luck. They too could not do anything for me. 
Finally after confronting seller that I felt uneasy about her, she offered to return my deposit back to me on XX/XX/2018. That day went by and still no money was returned. When I asked about it, she told me that it would be sent around XXXX that evening. When XXXX came and went, I then asked her again which she then decided to tell me that the money was in another bank account and that the funds would not be available until XXXX on XX/XX/2018. 
XXXX on XX/XX/2018 came and went as well and when asked about it again she the had yet another excuse as to why she has not sent my money back. 
It is now XXXX on XX/XX/2018 and I have still yet to receive any money and still getting excuses as to why. 
I have contacted local law enforcement to report this and still no luck. I am at a loss on what to do to get my money back!
Product: Credit reporting or other personal consumer reports

I disputed multiple inaccuracies on my credit report, including incorrect account balances, collections, and unauthorized inquiries, in a letter sent to XXXX, Equaifax, and XXXX on XX/XX/XXXX. I requested a reinvestigation and supporting documentation, but I have not received a response or resolution. As of XX/XX/XXXX, the issues remain unresolved, and I am filing a complaint due to non-compliance with the FCRA 's investigation requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Letters sent to all XXXX bureaus. Follow up calls XXXX & XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My auto loan was paid in full. Instead of my score increasing, the credit bureaus said I was a liability to Lenders by paying one of my oldest debts off too soon, and therefore my score was actually decreased by XXXX points on XXXX and XXXX  points with transunion. 
As a consumer I should never be penalized for paying an installment off early considering the high interest rate. 
I never missed one payment and Im falsely penalized for paying my account timely.

The credit reporting agencies are bias and need to be more closely monitored to combat their inaccuracies and prejudices.
Product: Credit card

On XX/XX/XXXX, I made purchase at Ramour And Flannigan Furniture for XXXX. I made this purchase on credit through their TD Bank credit card. I made this credit purchase with the understanding that " IF '' i paid off the entire balance before the calendar year was up following the purchase date, the credit allowance would be void of " ANY '' interest. 
Subsequent to being granted that credit line, I made monthly payments diligently on time every month until the month of XX/XX/XXXX. In XXXX I contacted TD Bank and requested a Payoff amount for this loan to take full advantage of the interest free promotion that i wanted to enjoy. 
I was told during that conversation that the " ENTIRE PAYOFF AMOUNT '' was {$1600.00}. 
This conversation and payment took place on XX/XX/XXXX. 
Next, the most suspicious thing happened, in XXXX of XXXX, My husband received a LATE PAYMENT letter from TD Bank. When he requested of me the reason for the Late Payment request I told him I had no idea as to where it was from and why. 
I never thought it again. Then in XXXX XXXX I began to receive phone calls from a Collection agency. After awhile I eventually answered and informed that I still owed TD Bank {$680.00}. Which is ludicrous..

Td Bank should be sanctioned for using ethical tactics to get their clients to pay these interest charges. Here what they did was tell me how much to pay this debt off. Then they supposedly held back a Unknown late charge to hold in abeyance until after the loan was supposed to be paid off. Then they proceeded to charge me late fees on the late fees. But the most egregious violation was they waited until right when the One Year Interest Free period was up to notify me of any of this. So Ultimately they went from me paying offf the entire debt in XXXX for {$1600.00}. to adding on another {$680.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not updated an account since XX/XX/2021. I was removed as an unauthorized user for one credit card on XX/XX/2021 that still appears on my credit report. Another account that I was added as an authorized user shortly after has still not appeared on my credit report. These two accounts accurately reflect on my XXXX credit report and my score is over 60 points better because of it. Equifax is causing my hundreds if not thousands of dollars a year by not reflecting my most up to date credit information for lenders. When I requested my full credit report from annual credit report.com, Equifax provided me with a completely blank document and has not responded to my complaints of withholding my personally financial information. Equifax should be fined for violating credit reporting rules and regulations.