23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

The bank is making it nearly impossible to pay my auto loan. I have called almost 100 times and still can not get through to make a payment. My mother waited on the phone for an hour and got through to someone only to find out that they charge {$15.00} for making a payment over the phone. I need online access to make charge free payments and they will not grant it to me. I have charges that I do not understand and need to be explained except I can not reach anyone to do so.
Product: Credit card or prepaid card

A few years ago- I applied for a Care Credit Card. I do not dispute the fact that I used the services, however it appears that no matter how much I pay per month my balance neber goes down. The terms of this agreement was never made clear to me at the time I applied for this card. My history indicates payments made but it also indicates it is never enough. Not even when I make payments of {$300.00} a month. I was recently told that I had late fees when I am actually paying before the due date of the XXXX and it still appears that the money doesn't apply for that month. This Company is a loan shark and today I was told I am paying at least {$97.00} a month just for interest. And have been charged this amount for quite some time. At this rate I can never pay this card off. I haven't used this card in nearly 2 years, been making payments and still habe a Balance of nearly {$4500.00} and never even used this much in services. I nerd assistance in settling and closing this account once and for all. This is unbelievable and causes nothing more than total stress to the person possessing this Care Credit Card. The way this Company operates is not made clear when the application is completed.
Product: Money transfer, virtual currency, or money service

I still never heard back about my dispute for the {$64.00} Membership Fees XXXX on XX/XX/XXXX at XXXX XXXX cash app support told me they escalated my case XXXX and someone will email me back about my dispute no one ever got back to me yet my cash app tag is $ XXXX I want y'all to fill the dispute for me and credit my account back.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau reporting incorrect information even after multiple violations of the FCRA and pending litigation. 

Creditor has failed to provide substantiation for their claim of a balance owed on an account closed with a XXXX balance. 

I have provided proof that account XXXX closed with XXXX balance. 

Litigation pending.
Product: Debt collection

On XX/XX/2018 I sent a certified letter to Transworld Systems, as  they were reporting a debt on my credit file, disputing this account and asking for proper detailed validation of this debt. I received no response, and my credit file was not updated as disputed as required by federal laws. Since, no action was taken on behalf of Transworld Systems, I sent another certified letter again demanding proper validation. To date, I have yet to receive any response from Transworld Systems. This company 's lack of care to follow both federal credit reporting laws and federal debt collecting laws is harming my credit file. I never received any initial notification of the debt so that I hade a proper chance to dispute or resolve this debt before it was reported on my credit file. To date I have no knowledge what this debt is, as I have never done business with Transworld Systems.
Product: Mortgage

New Day USA is conducting a plethora of television ads. According to the ads, the spokesperson claims to be a retired Admiral who is now " chairman '' of New Day USA. The ads also say that the company is an LLC. I understand that the highest title in an LLC is " managing partner. " I believe that New Day USA is trying to convey that they are something more than what they are while taking advantage of veterans like me. 
Below, I am required to state to which part of the mortgage process is the complaint related. I am not applying for a mortgage loan. I notice the incongruity while I see the ads, and I think it 's wrong to appear as a non-profit ( chairman ) when they are only in business for profit. Given the amount of advertising they are doing, they have to be making a ton of money. That admiral ( if he really is an admiral ) should be in jail.
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX This debt collector engaged unfair, abusive, and deceiving tactics that are unlawful under the FDCPA. They provided this account, for which i did not sign an agreement, and we did not agree. Two parties must sign a legal contract, and I was not involved in any of it. Furthermore, they failed to stick to the correct five-step validation procedure, which renders these activities unfair. I'm enttied to payment under the FDCPA for each infraction, and it's apparent that they broke my rights. I want all XXXX XXXX, accounts removed immediately. 
15 USC 1681i ( 5 ) 15 USC 1681s-2 15 USC 1681 b
Product: Payday loan, title loan, personal loan, or advance loan

Since last year I have been denied for an employee based loan advertise through my employer. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have requested verbal and written instructions on a denial reason and the company will not provide this information. Several agent have said that their company users the XXXX court systems to verify public records. I have access to XXXX and the court records do not reveal your full Social Security number and there is more than one person with the same name. The consumer has violated consumer rights according to : 12 CFR 215.3 - Extension of credit. ( I can not be denied an extension of my credit ) meaning borrowing a ) An extension of credit is a making or renewal of any loan, a granting of a line of credit, or an extending of credit in any manner whatsoever, and includes : ( 1 ) A purchase under repurchase agreement of securities, other assets, or obligations ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize having any agreement with WORLD FINANCE CORPORATION and i am not liable for these accounts, This alleged debt is not mine i never enterted into signed agreement or completed an original contract with WORLD FINANCE COPRORATION .This inaccurate collection NOT MINE.I never provided any written consent or premissible purpose for this allege creditor to report on my credit report XXXX Am THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report.This is a violation of us code 1681b premissible purposes of consumer reports.Pursuant to 15 u.s. code 1681b ( a ) ( 2 ) -permissible purpose, of consumer reports. ( A ) in general subject to subsection ( c ) any consumer reporter agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with written instructions of the consumer to whom it relates.This is a violation and also identity theft! 15 U.S.C 1681 c-2 - block of information resulting from identity theft.You have no rights under the law to send me any type of communication immediately.further more you are attemping to collect an alleged debt where so called oringal creditor has falsely represent character other violations under 15 usc 1692 e that are implementing your self. Violation :15 usc 1692b ( 5 ) ,15 usc 1692 ( 2 ) ( A ) ,15 usc 1692e ( 3 ) ,15 usc 1692 ( 10 ) ,15 usc 1692 ( 11 ) if your office fails to respond to this validation requst within 10 days from the date of your receipt, all references to this account must be deleted and completly removed from my consumer report or attorney general will be contacted
Product: Money transfer, virtual currency, or money service

I have an investment account in XXXX with assets in stocks and XXXX + a small IRA balance XXXX Today, I was logged out of my account and I could not log back in using my password. I attempted to reset it, but it gave me a phone number to call instead. I tried calling them multiple times with no answer. Then, I emailed XXXX and I finally got a response there. 

Apparently, they blocked my account due to a suspicious login. While on the phone with them, they asked me to verify my identity through a QR code - that asked me to scan my ID and my face. Then they sent me a temporary password which I was able to use to log in, and they asked me to screenshot my account number ( and my debit card associated with the account ) and send it to them. 

While I was logged in to the account, I initiated a transfer of all my funds to my bank account because I did not want to lose the money. At that point, I noticed that all my stocks and crypto holdings were sold so all the money was sitting in my brokerage account. I promptly initiated the transfer to my checking account. When that happened, the phone call got disconnected and I am still unable to call them back. I'm worried that this may be some kind of SCAM. But at the same time I've called the number that they gave me from their site and I emailed their help contact provided through their sitr XXXX. 

I am still unable to access my XXXX account and they sent me an email telling me that they have blocked any transfers, password reset, or two-factor authentication. I just want my account back so I can transfer the funds out and close it down at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXX XXXX Balance {$1500.00} ; XXXX XXXX XXXX XXXX Balance {$630.00} ; XXXX XXXX XXXX  XXXX Balance {$690.00} ; XXXX XXXX XXXX Balance {$3600.00} ; XXXX XXXX Balance {$4500.00} ; XXXX XXXX XXXX XXXX Balance {$830.00} ; XXXX XXXX XXXX Balance {$2200.00} ; XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance {$1100.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX SPRINT ) XXXX Balance {$950.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX CT XXXX, CA XXXX ; XXXX XXXX WY XXXX, CA XXXX ; XXXX XXXX NA Inquired on XX/XX/2021 ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 ; XXXX XXXX Inquiry : XXXX XXXX, 2021 ; XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 ; XXXX XXXX XXXX : XXXX XXXX XXXX 2021 ; XXXX XXXX XXXX XXXX : XXXX XXXX, 2021 ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021
Product: Credit card

XX/XX/year> unauthorized purchase through PayPal account for {$160.00} USD at fashionnova. PayPal refused refund purchase! After reporting all current information known.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove XXXX  : XXXX XXXXXXXXBalance {$240.00} XXXX-Balance {$730.00} DPT EDXXXXBalance {$20000.00} XXXX  XXXXBalance {$360.00} XXXX  XXXX-Balance {$130.00} XXXXBalance {$470.00} XXXX-Balance {$0.00} XXXX  XXXX XXXXBalance {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXXBalance {$130.00} XXXX XXXX XXXXXXXXBalance {$12000.00} XXXX-Balance {$0.00} XXXX XXXX XXXXXXXXBalance {$0.00} XXXX XXXX XXXXBalance {$2400.00} XXXXBalance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The thief [ made a fraudulent transaction/opened a fraudulent account ] in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of  business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic.
Product: Credit reporting or other personal consumer reports

Hi EQUIFAX, I just get a copy of my credit report today and can not believe what I see. Someone stole my identity and open this fraud credit card account without my knowledge. 
I never have this credit card and fraud due to a balance of {$6700.00} that I am not responsible form something I don't have no ideas how this account was opened. 
I was just on the phone with the fraud team from XXXXXXXX XXXX XXXX XXXX and he told me this account is no longer on their system. The fraud agent from XXXXXXXX XXXX told me I have the right to have this fraud account delete from my credit report since they already flag it as fraud. 
I would like to exercise my right to have this fraud credit card delete from my credit report.
Product: Debt collection

My XXXX had XXXX XXXX and used my name to open a couple of cards, I know that she was not in her correct state of mind but it happened. I explained this to Ginnys and they would not assist me. She is currently deceased. I need help with this! 
PLEASE remove this from my credit report PLEASE
Product: Credit card

On XXXX, I made a payment for an amount of XXXX XXXX, the next day I paid XXXX XXXX However, the bank had double charged me for both purchases. I contact with the merchant, they provided a screenshot of their records, and shows they only charged me once. Then I contact with the bank first time at XXXX XXXX They said they have nothing to do with the payment, they need to wait until the payment had been made ( because it is still pending ). However, 6 days had been past, today when I contact with the BOA, they still say they have nothing to do, because the payment is still pending. I can not understand how such a payment can be made that both me ( consumer ) and merchant don't know. 

In this case, I think this would be a bug in BOAs system, because at first, they double charged me on both {$2100.00} and {$1900.00}, but the {$1900.00} had disappeared automatically. Plus, this is not the first time their system had problem. In the attached file, I showed all bugs I had met when using BOA online banking application. The calculation of the credit line is also incorrect. Now, I can not purchase anything by this card, but the banks clerk said : Youve overpaid for the credit card, so it shows negative. This can be understood that I have about XXXX dollars can use. However, the fact is I can not pay with this card. The same thing happened last time I pay for my credit card. So, I attach a screenshot of an email XXXX had sent me for unable to make a payment. This had bother me a lot.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and 4 accounts have been opened using my personal information that I did not authorize. I have contacted these companies and they can not provide any contract bearing my signature that I have an obligation to their company or anyone they represent. These accounts are a result of identity theft. 
Consumer mortgage in the amount of {$6000.00} XXXX XXXX in the amount of {$400.00} XXXX XXXX in the amount of {$370.00} XXXX XXXX in the amount of {$610.00} Please delete and block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 
I appreciate your prompt attention to this matter, and await your reply.
Product: Debt collection

I have been contacted over 100 times by XXXX XXXX   after I provided them with the extenuating circumstances regarding our daughter who was hospitalized over 34 Days in ICU and sent them a letter on XX/XX/XXXX. I also, set up arrangements and told them they would be paid and I would recommence the payments. However, when a representative called me on last Sunday night before XXXX XXXX, I told her to stop calling my phone and stop contacting 3rd parties regarding my debt. They have not only been calling me but also reaching out to my brother who I did not give them permission to contact, nor do we understand how they obtained his relation and contact information. It is illegal to contact 3rd Parties. After I told the representative not to contact my phone on late nights with repeated calls, the next business day I received a retailitory act from XXXX XXXX. They spitefully closed my account after this call with the representative on last Sunday evening - XXXX XXXX   weekend. Beyond that, on last evening - XX/XX/XXXX, a XXXX called repeatedly from Ext. XXXX and also again illegally contacted a 3rd Party regarding my XXXX XXXX with XXXX XXXX. I am requesting that XXXX stop their Harrassing & Threatening Tactics stating they will file Legal Actions, and threatening me on several occasions. We have a daughter who is XXXX and we need you to stop your Harrassing tactics!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian Please make-up your mind You are reporting me delinquent for XXXX XXXX XXXX XXXX as followed for 2019 XXXX Delinquent for XXXX XXXX and XXXX Experian DELINQUENT FOR XXXX XXXX AND XXXX XXXX DELINQUENT FOR XXXX XXXX AND XXXX It has been multiple time not one not but minions of times that XXXX has provided you with the current delinquency months yet you XXXX XXXX End Experian have failed to update it correctly
Product: Credit reporting or other personal consumer reports

I was trying to get auto insurance and I received a very expensive quote which was because of the consumer report from TransUnion not saying i havent been late missed a payment or defaulted paying for anything which should make my credit rating higher, but that I fully use my credit and always pay it as a reason to give me a lower credit rating. I have filed numerous complaints against TransUnion union but they know nothing will be done so they dont try to do anything. I would also like CFPB to tell me why they are able to set their own standards, discriminate against me all these years and CFPB doesnt even investigate my complaints
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the persistent challenges I have faced in attempting to remove fraudulent items from my credit report. Despite making several concerted efforts, these fraudulent entries continue to tarnish my credit history, negatively affecting my financial standing and causing undue stress. 

I first identified the fraudulent items on my credit report. Since then, I have diligently followed the established dispute resolution procedures, making numerous attempts to rectify this issue. 

This situation is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ) but is also causing severe financial and emotional distress. I am formally requesting a thorough and immediate investigation into the fraudulent items on my credit report. 

I request the following actions : A comprehensive review of the fraudulent items on my credit report. 
Immediate removal of the inaccurate and fraudulent information to restore the accuracy of my credit file.

Verification of the corrective actions taken and an updated credit report reflecting the accurate and corrected information.

I understand my rights under the FCRA and the importance of addressing and rectifying inaccuracies promptly. Failure to resolve this matter in a timely manner may compel me to explore legal remedies to protect my rights. 

Enclosed with this letter, you will find copies of supporting documents. 

I kindly request your immediate attention to this matter and request written confirmation once the fraudulent items have been successfully removed from my credit report. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX : {$400.00} XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance XXXX {$3800.00} XXXX XXXX  XXXX Balance : {$400.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023.
Product: Consumer Loan

I have a vehice loan with Ally financial I 've been harassed every since they financed my vehicle. I recently received a call from Ally stating they had a repossession order out for my vehicle XXXX Chrysler 300. My payments are current but the repossession is for late charges. I have n't been receiving monthly statements for my account nor have I received any type of correspondence stating that there is a repo order out for my vehicle. I would appreciate your help with this urgent matter. I want to pay my financial obligations. I feel I 'm being discriminated against and being harassed