23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have multiple accounts where I don't recognize after the fact they happened. I don't have a exact number but I do know it has affected my life very much so. I would say the debt I have collected that I am not familiar with would be around the XXXX mark. It is defamation to my identity and need it to be resolved so I have a fair shot at this life.
Product: Credit reporting or other personal consumer reports

CFPB, The loan I had with American Credit Acceptance I paid less then the full balance because the car I had almost costed me to lose my life. When I was driving the car I heard a loud knock in the rear I pulled the car over, got out to look both of the back tires were leaning in, so I had it towed to XXXX XXXX XXXX XXXX in XXXX, XXXX. They called me on the phone and told me it's a good thing I stopped driving it. XXXX XXXX XXXX stated if I would have continued to drive it I would have lost all break function because it was missing XXXX XXXX  on the back breaks. paid less than what you actually owed the creditor. It's a negative entry on your credit report
Product: Debt collection

Paypal insists I owe them XXXX. A purchase was made with XXXX for this amount but it was cancelled. XXXX issued a refund to my PayPal credit account. XXXX inadvertently also issued a credit to my XXXXXXXX XXXX which has since been reversed. A copy of the XXXX XXXX transactions related to this issue is attached. My XXXX XXXX is being charged for the XXXX mistake and paypal is also trying to collect this money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with 2 consumer reporting agencies on XXXX XXXX ( Experian and XXXXThe consumer reporting agencies validated the debt I disagreed with the process.I filed a complaint with the CFPB after the initial complaint with the CFPB XXXX deleted the account.Experian still continues to furnish the account.I also filed a dispute with the creditor the same time as I filed it with the consumer reporting agencies, I never received a response back from XXXX XXXXXXXX.I called the CFPB and asked how could this debt be validated after one ( XXXX ) consumer reporting agencie deleted the account.Then the representative told m that companies don't have to show any proof and just send it back validated with no proof of an investigation.Section ( 6 ) 611 ( a ) ( 1 ) ( a ) that says a companie must respond in XXXX days of a challenge.It is well past the XXXX day mark, and even though they don't have to respond to the consumer reporting agencies they must respond to me the consumer.I also read in section 6 611 ( a ) ( 5 ) ( A ) that if the company doesn't respond then the account must be deletedXXXX  XXXX XXXX XXXX XXXXXXXX on Experian consumer reporting agencie.I have copies of everything below
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 XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX  XXXX 15 USC 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. 1881-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the
Product: Mortgage

On XXXX/XXXX/2016 I made a monthly loan payment using phone system per Ocwen phone menu prompts On XXXX/XXXX/2016 I received an email that payment has been received But on XXXX/XXXX/2016 I received a letter saying that the payment was reversed due to no account found and ocwen added about {$160.00} as late and return payment charge. I have been using same account to pay ocwen. Had I not received a confirmation that your payment has been received from ocwen on XXXX/XXXX/2016 I would have contacted ocwen and made a payment. Providing inaccurate information via email and then assessing and demanding late payment is not a fair business practice. 

I made a payment already on XXXX/XXXX/2016 in the amount of XXXX instead of XXXX ( XXXX dollars more ) please credit this extra amount and please work on improving you system so that customers do n't get charged late payment and compromise their credit history too. 

Thank you
Product: Credit reporting 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 XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a 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 or around XX/XX/2021 I contacted XXXX, XXXX, and Equifax about the inaccurate accounts, inquires, installments and public records that are reporting on my consumer credit report. After contacting XXXX, XXXX, and Equifax, the inaccurate information has continued to be reported. XXXX, XXXX, and Equifax is in violation of my rights under the Fair Credit Reporting Act ( 15 USC 1681 ), ( 12 CFR part 1022 ) regulation V ), and have committed copyright infringement. Also XXXX, XXXX, and Equifax has continued to violate my right to privacy under ( 15 USC 1681 ( a ) ( 4 ). All concerning documents have previously been sent to XXXX, XXXX, and Equifax.
Product: Payday loan, title loan, or personal loan

On XX/XX/2023 Avant LLC, formally Avant Credit lll LLC  ( XXXX XXXXXXXX ), was provided a debt security as collateral for an extension of credit. Avant failed to uphold it's part and denied my extension of credit but kept my debt security and plans on transferring it to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX ). This will be securities fraud since they do not have my authorization to transfer my security without upholding there part of the contract. Avant LLC has failed to disclose the true nature of our transaction and refuses to respond. This is a violation of the First and Second Tier of the Federal Reserve Act Section 29 Civil Money Penalties. Avant LLC has breach their fiduciary duty as they will receive funds upon the securitization of my commercial paper debt security. This comes with a civil penalty of {$25000.00} per day starting XX/XX/2023. It has been 5 business days that Avant LLC has had me security which carries a civil penalty of {$5000.00} per day for a total of {$25000.00} owed so far. If non compliance continues into tire XXXX which carries a penalty of {>= $1,000,000} or 1 % of the total companies net worth. on XX/XX/2023 a formal complaint will be placed with FINRA and the SEC for the willful non compliance to the Securities Exchange Act.
Product: Credit card or prepaid card

In XX/XX/XXXX I received an offer from American Express and Delta that if I obtained the gold delta skymiles credit card and use XXXX dollars in the first three months I would receive XXXX miles. I got the card on XX/XX/XXXX and started to use it. By XX/XX/XXXX I had completed the XXXX dollars. I called soon after as I had not gotten the miles and they explained that it would take 6-8 weeks. After 8 weeks I called and they said it was going to be 10 weeks ( the maximum in the contract I got with the credit card ). Last time I called was XXXX of XXXX ( 10 weeks after ) and they said the would open an investigation and to call delta. So I called delta and they said basically to talk to AMEX. It is now XXXX  XXXX and I have not yet been contacted or received the miles. I chatted with the people in AMEX and they said the investigation is open. 

I got this credit card because I'm traveling for my XXXX XXXX XXXX and needed the XXXX miles. My trip is in 3 week and now the tickets are extremely expensive and will leave me with little money. The company has breached contract and will offer no type of compensation.
Product: Debt collection

I received a collection notice in the mail from Capio Partners dated XXXX/XXXX/XXXX. The amount was {$1000.00} from XXXX XXXX XXXX with a date of service XXXX/XXXX/XXXX. I called the collection agency and spoke to a representative. She stated that XXXX XXXX XXXX had attempted to contact me since then and the mail correspondences had been returned. Also no insurance had been filed. The service was for my daughter. I stated that it must be an error. I had been receiving medical treatment for XXXX during that time period therefore the should have had my correct address and insurance information on file. This is an error made by the hospital. Also, with my insurance ( XXXX ) the bill would have been {$150.00}. Why was it not filed? Why did they not contact me by phone? Now if filed, my insurance will not pay since it the service date was over 2 years ago. I feel that XXXX XXXX XXXX should correct this issue. This should not be placed on my credit report. I had no knowledge of this issue and did not have an opportunity to address it prior to being placed with a collection agency.
Product: Debt collection

A debt collection agency called XX/XX/year> at XXXX stating I owe a debt with XXXX  and if I do not pay the debt, legal action will be filed against me. I explained the debt was apart of my XXXX  XXXX bankruptcy that was XXXX, she demanded I pay my bills and she will file legal proceedings.
Product: Debt collection

They received my certified mail letter On XX/XX/2023 I sent a certified mail # XXXX requesting for a notice for accounting to TOYOTA MOTOR CREDIT CORP., I requested an original authenticated request for accounting that includes all original contracts, withheld financial documents, refunded downpayment ( {$5000.00} ), tax forms, any and all types of financial forms of payment that's entitled to the consumer and or beneficiary. To which they denied communications and resulting in the company to forward to a process of default. I am now sending a letter following that onXXXX in detail of a notice of default & opportunity to cure. To which if the company continues to disregard the letters being sent, or fails to correct the financial matter effectively there will be no choice left to pursue all available remedies including litigation or arbitration.
Product: Credit card

XX/XX/2023 XXXX  {$370.00} Last year I was the process of getting some XXXX work done through XXXX XXXX. After they did all the checking and going through my XXXX insurance, I was left with an amount to be paid. So they went through Fortiva and they approved me. I was to pay XXXX a month. So before I could have XXXX XXXX to do the work, I had to go through their Oral surgeon, but come to find out that their surgeon was not under my insurance network and I would have to pay XXXX for each teeth that had to be pulled and I had XXXX teeth that had needed to come out. I couldn't afford to pay them so I cancelled my service. I didn't use any of the money that Fortiva approved me for. I had been in contact with them and XXXX about the money being returned. Finally in XXXX or XXXX, XXXX XXXX returned the money. XXXX is charging me for late fees of XXXX in which I had no control over. I've talked to them at least 7 times and I didn't get any resolution. I'm not understanding why I owe them if the amount that was borrowed was returned
Product: Debt collection

My debt started out with XXXX credit card. I fell behind on my payment as I was off work without pay to take care of my sick mother who ended up passing during covid. I tried contacting XXXX on several occasions by phone putting my credit card information in on the automated system. I could never got a live body to speak with in which the system would state that my account was being sent to collections and I should receive something by mail or a call in a couple weeks. I never received any information for the collection by mail not once nor have a received a call from them. The collection company is call Spring Oaks Capital LLC. After a couple of months I received alert from my credit report company stating that they had add this to my credit report without contacting me. I have filed a dispute against XXXX because it is hard to get a live person to speak with so that I could settle with them and then I have also filed a dispute with the credit breu reporting agency and XXXX  against Spring Oaks Capital LLC. I filed these complaints on XXXX and still have not heard back from either company. I have asked for both of these accounts to be removed. XXXX rips people off with. My credit limit was XXXX XXXX I tried to pay them the XXXX dollars to settle before and they told me I would have to pay the whole XXXX. As for Spring Oaks Capital LLC. Not one letter or notice mail to me or call to speak about this debt but you throw it on my credit report. I would like both of these account removed. XXXX credit cards needs to get a better system so you can speak with a live rep. If I was able to do this maybe I would have been able to find out who the collection agency was and make a dispute or pay it before this took place. Now both of these companies are on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX  XXXX of inquiry XX/XX/XXXX XXXX XXXX-Date XXXX XXXX XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX
Product: Debt collection

I request the original disclosure of my loan ( XXXX XXXX XXXX  ) from collection agency but they said ; that they can not provide me with that. I just want to make sure the payday loan debt is mine, because I do not recall if I had any payday loan after my bankruptcy on XXXX. 
But Dept Recovery solution insist it is mine without any prove or even written notice. 
they placed a collection on my credit report without any notice letter or prove of who is the original creditor phone number or address or any documents. 
The collection agency must provide me a document to prove validity of debt. 
DEBT RECOVERY SOLUTION XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX - XXXX
Product: Checking or savings account

Over the years chime has had inaccurate add ups of funds on my account. I've reported them previously about inaccurately charging transactions and the math not adding up correctly to what's being stated on my account. Chime is committing fraudulent activity. My accounts balances are not correct, chime is not allowing transactions to happen as scheduled with other financial institutions, denying transactions when money is available, and showing pending charges for things that have already been paid for and have processed. These are the tactics the bank is using to commit fraudulent banking activities. I've had multiple issue with Chime, as I stated previously but now it's becoming to ridiculous that no one is investing this business. Chime is holding money from refunds stating that they put it towards my balance when they did not. They have stolen numerous amounts of pennies from me. Which do add up. If you go through and add up yourself my persona record which I know would prove fraud, I'm more then willing to allow you to access my account to check. I'm tired of them stealing my money and getting away with it because they want to hide behind " processing '' items and inaccurate balances. Someone needs to investigate this bank asap. My account can't be negative and I have a balance and pending transactions that don't even add up to the balance they stated are available on different days. My account is negative or over drawn and has been when chime is stating I had XXXX of dollars as my balance.
Product: Money transfer, virtual currency, or money service

on the XX/XX/20, two transactions were processed to transfer funds totalling XXXX US dollars, these funds were suppose to be available on the XX/XX/20 on the respective account. however they have not been transferred and i have been debited the amount. ive tried contacting the bank, with no assistance or response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid this XXXX XXXX  XXXX # XXXX, on time from XX/XX/XXXX thru XX/XX/XXXX. And then I took forbearance from XXXX thru XX/XX/XXXX. From XX/XX/XXXX as per their offer on my new Modification Trial payment, I have started paying the new payment. Now my credit is showing 150+ days late from XX/XX/XXXX and ignoring the State Law of credit reporting. I have called the mortgage  company, they are now telling me, since I did not take the forbearance anymore it will show late, and my question is the forbearance was on form XXXX thru XXXX, why the payment will now show 150+ days late. They are also INCORRECTLY SHOWING NO PAYMENTS ON XXXX, XXXX XXXX. This needs to be fixed ASAP. Please help me.
Product: Checking or savings account

XXXX XXXX Debit from my checking account XXXX  XXXX XXXX Debit from my checking account XXXX I have talked to the credit card company on both times. was told that I sch. the payments for payment I disputed their statement. I have no idea who their agent is but someone needs to be held accountable there has to be laws for this person has done toi me
Product: Credit reporting or other personal consumer reports

See attachments! Defamation of character, inaccurate information reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

Divorced XX/XX/XXXX. Prior to the marriages end, we had joint checking, savings and a line of credit attached to the checking account number. My wife and I meet at the XXXX, NY. Chase Bank managers office for the purpose of removing my name from the joint accounts, transferring account numbers to a single ownership account. At time of transfer my credit rating was XXXX points. Six years later, I began to notice a drastic decrease in my credit report number. I didn't think much about this drop, due to fact that all accounts where closed with no debts owed ( mortgage, vehicles and credit cards paid in full honorably ). In XX/XX/XXXX I applied for a XXXX credit card, it was denied by Chase bank. I never received a notice of nonpayment, collect, or default. I never received notice from credit reporting/collection agencies. I contacted Chase bank, I was told account closed, and was charged off. I no longer had legal access or control over ex-wife 's personal/private affairs. Chase gave me no warning, because I was not a customer.
Product: Checking or savings account

SoFi froze my checking account t two days ago without notice or reason. They were not able to provide a reason why when I called them. They eventually called me today and said it had been unfrozen, but still did not provide a reason.
Product: Mortgage

Throughout XX/XX/XXXX I received three supplemental tax bills from XXXX XXXX County. Shorlty after I received these bills I called to provide the information associated with the bill in order to make sure it would get paid. This was on XX/XX/XXXX. When calling the associate took down the specific tax information and assured me that PennyMac will take care of the payments through my escrow account. 

On XX/XX/XXXX I received written correspondence from XXXX XXXX County indicating that the payments were not made and that penalties have been assessed. On XX/XX/XXXX, I notified PennyMac about the problem and sent them copies of the notices. 

On XX/XX/XXXX PennyMac responded to my concerns by stating they are not responsible for supplemental bills nor would they pay the penalty unless I notified them. I responded by stating that I did notify them per my original complaint to them and that they should take action immediately along with covering the penalty costs. 

On XX/XX/XXXX I received a message from PennyMac saying they would take care of the payments. They said I should wait 14 business days before checking. It is now beyond 14 business days and they still have not taken action. One of  my bills has a due date of XX/XX/XXXX. which is now past. As such, additional penalties have now been assessed.
Product: Money transfer, virtual currency, or money service

I was trying to get an appointment for a XXXX XXXX slot in embassy in XXXX. A person reached out to me over telgram that he can help me get an appointment. I shared my account credentials with the person after which he changed them and sent me a fake evidence showing that he got appointment. The merchant then asked me for {$150.00} and asked me to send them via remitly. Once I sent them via remitly, the person claimed that he did not receive the money. He refused to give me my account 's credentials/access back until I sent money again. Then again I had to send {$100.00} to person and this time again the merchant made up another excuse that they can't withdraw money and that's why they can't give me the credentials. So I was scammed by {$250.00} due to this. Later I was able to regain access to my XXXX XXXX account by trying random email/password and I could see that there was indeed no appointment scheduled. 

I have asked the person to give me my money back but they have completely stopped responding to me and claiming it wasn't indeed a scam. I have contacted remitly and they are refusing to help as well. Lastly, I contacted my bank ( XXXX ) through which I made the credit card payment and they said only remitly can help me here. 

Hence writing this complaint to request that CFPB please help me resolve this with remitly and help me get my money back. Thanks! 

I have attached the entire chat history screenshots and proof from visa portal that appointment wasn't updated.
Product: Credit reporting or other personal consumer reports

I LOOKED AT MY REPORT ON XX/XX/2024 AND I NOTICED SOMETHINGS ARE INCOMPLETE AND NOT ACCURATE. 
AND ACCORDING TO THE FAIR CREDIT REPORTING ACT, WHENEVER A COSUMER REPORTING AGENCY PREPARES A COSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 15USC 1681 XXXX  I SENT A LETTER ASKING THEM TO REINVESTIGATE THESE ACCOUNTS LISTED BELOW BECAUSE XXXX XXXX XXXX  : ACCOUNT NUMBER : XXXX OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, LAST REPORTED IS NOT CORRECT. THIS ACCOUNT IS NOT ACCURATE. 

XXXX XXXX XXXX  : ACCOUNT NUMBER : XXXX OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST REPORTED IS NOT CORRECT & DATE LAST ACTIVE IS NOT CORRECT. THIS ACCOUNT IS NOT ACCURATE. 

CAN YOU LOOK INTO THIS MATTER PLEASE. THANK YOU