23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I had a loan with this company for about {$2000.00} now i went on short term with my job and didn't get paid called the company explained why i couldn't make payment. The young lady stated there was nothing i could do if i couldn't make payment. Months later i called back when i was able to make and set up forms of payment they stated if i couldn't make full amount of payment they couldn't except payment at all. i then stated i cant pay full amount but partial. Now they told me they sent account to attorney and then the sheriff came to my house serve me with someone else information and had a sticker on back pages with my information. I then showed up to court the attorney tried to attempt to make me give her the paper because they realize they serve wrong person than she stated if i disputed and wanted to see a judge the would charge me additional fees and they still charged me serving fee but truly was serving someone else, so not only do i have some one else info they want me to pay those fees and not dispute them to resubmit my actual information, the lawyer called her office hand wrote everything and ask could she email me because i didn't have my original loan documents she then stated i now owe about 4500 dollars. i then tried to work with her and explained after trying to catch up with everything from not getting paid i can pay XXXX dollars a month no more than XXXX a month, she stated i would need to pay amount below, i also added her information and what she stated. I really dont know what to do but i have arrangements with other companies after they knowingly understood my dilemma. Im upset that i have to pay all the fees and loan with no arrangement and still be a single mom and live. Now they are emailing and calling me saying they will garnish my bank account for 20 years and my check and so on. Im very afraid and dont want to be homeless or behind over 4500 dollars. 

Good afternoon XXXX, Unfortunately, that payment arrangement is too low. I can only set up a payment arrangement for 12 months at $ XXXX/month. In the alternative if youd like to offer a lump sum settlement for less than the full amount owed to be paid in 30 days, youre welcome to do that and I will bring it back to my client for consideration. 

Thanks, XXXX XXXX Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, IL XXXX XXXX. ( XXXX ) XXXX Fax. ( XXXX ) XXXX Email mailto : XXXX XXXX
Product: Payday loan, title loan, or personal loan

On or about XXXX XXXX, XXXX, {$500.00} was deposited into checking account from XXXX. The annual interest percentage rate is 780 % with finance charges being {$3400.00} with total payment being {$3900.00}. XXXX XXXX XXXX then contacted me by telephone the same week exposing XXXX XXXX to me that their ( inbox loans ) lending practices violate Indiana laws by exceeding the interest to be applied towards payday loans at an annual percentage rate of 10 % of {$500.00}. 780 % finance charges for this payday loan far exceeds Indiana Statute 24-4-4.5-101 et  seq. and is a direct violation of the Indiana Statute which prohibits these types of finance charges.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inaccuracies related to the account listed below : Account Name : XXXX  Account Number : XXXX I strongly believe this information is incorrect and unfairly impacting my credit score. 

I respectfully request that this account be reinvestigated for accuracy. The inconsistencies are affecting my financial opportunities and costing me thousands of dollars in interest. Additionally, not all credit bureaus are reporting the same status for this account, which further indicates potential inaccuracies. 

As a fair resolution, I request that this account be corrected to accurately reflect my payment history. If the account can not be verified within the required timeline under the Fair Credit Reporting Act ( FCRA ), I request that it be removed from my credit report. 

I am attaching supporting documentation for your review, including the credit report entry and other relevant evidence. Please investigate this matter thoroughly to ensure compliance with 15 U.S. Code 1681i and 15 U.S. Code 1681e ( b ). 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

In XXXX of 2018 I was given a promotion at work that also adjusted my pay from salary to commission. After accepting the position, I immediately called all of my creditors to see if any would be willing to delay my payment due, as I knew it would take roughly four weeks for me to be paid out my first commission check. I spoke at length with Capital One 's customer service rep, and he set up a payment, double my normal monthly payment, for XX/XX/XXXX, and assured me if I made the payment according to his instructions the account would be in good standing. I did exactly as told, but the account was still reported as 30-days past due. In following up, multiple times, Capital One has refused to acknowledge or rectify their mistake. I am a XXXX  XXXX  XXXX  and deal with personal credit all day, every day. I would never, ever have chosen to make a late payment with Capital One without their explicit and express agreement and guarantee that the account would remain in good standing. I would have just made the payment if I had been told that a payment delay/plan was not an option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I found inaccurate information in my EQUIFAX credit repot. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the Unite States ) that the foregoing is true and correct to the best of my knowledge. Further, I declare that I am authorized by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating various accounts. All are being investigated by FTC.
Product: Credit reporting

Experian is reporting incorrect personal information. 

Inaccurate names : XXXX XXXX XXXX XXXX ( there is no space in my name, please delete ) XXXX ( there is no space in my name, please delete ) XXXX ( name spelled wrong, please delete ) XXXX XXXX ( last name incomplete, please delete ) XXXX XXXX XXXX ( last name incomplete, please delete ) XXXX XXXX XXXX ( last name incomplete and there is no space, please delete ) XXXX ( last name incomplete, please delete ) XXXX ( name incomplete, please delete ) XXXX ( there is no space in my name, please delete ) Inaccurate Addresses : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX RAN MY CREDIT ON XXXX WHILE I HAD A FRAUD ALERT THUS CANCELLING TWO APPLICATIONS FAILED. I WANT BOTH INQUIRIES REMOVED SEE ATTACHED
Product: Checking or savings account

On XX/XX/2021 a transaction of {$4900.00} along with on XX/XX/XXXX, four more charges of {$26.00}, {$640.00}, {$1000.00}, and {$1700.00} were charged on my XXXX debit card by an unknown person. I filed a complaint first with Chase bank with their Claims department. They reversed one of the transactions ( {$26.00} ) when we filed the claim but later counted it again when they said that this transaction along with the other four were made with the physical chipped card/pin and so denied these charges. I later learned that our debit card was most likely stolen from our mailbox because we never received it. The building where our business was located sent us an email saying our mailbox is compromised and that we should take our mail before nightfall daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an XXXX XXXX XXXX member. I have a been receiving a recurring charge from Experian on the XXXX of each month from your company since XX/XX/XXXX to XXXX XXXX and I DO NOT have an account with them. I have called several numbers for them but there is not an option to speak with a live representative. The hotline prompts me to log into my account but how can I when an account does not exist. I know my credit score is great and my banks provide the service for free. I want to report fraud on you all because I want to know who is using my bank card information to acquire an Experian account, membership or what ever. I want answers ASAP. I called several times they won't answer, nor did they respond to my XXXX complaint # XXXX.
Product: Debt collection

I sent Account Resolutions  Services  a debt validation letter in hopes that they will furnish any documentation stating that the debt was mine. In response they sent me a letter basically stating " This debt is valid ''. There were no attached signatures stating I was in a contractual agreement with this company or the original creditor. I was not sent an itemized statement. I also asked if they could not furnish any signatures or contracts that it should be removed from the credit reporting agencies and they still are reporting negative information on my file. I would like them to provide this information or remove the negative information from my credit report.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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 XXXX XXXX # XXXX. 
Account name : XXXX # XXXX. Account name : XXXXXXXX # XXXX. 
Account name : XXXX # XXXX. 
Account name : XXXX # XXXX. 
Account name : XXXX # XXXX. 
Account name XXXX XXXX XXXX XXXX # XXXX. 
Account name : XXXX XXXX XXXX XXXX # XXXX. 
Account name : XXXX XXXX XXXX # XXXX. 
Account name : XXXX XXXX # XXXX. 
Account name : XXXX XXXX # XXXX. 
Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX. 
Account name : XXXX XXXX XXXX # XXXX. 
Account name : XXXX XXXX XXXX # XXXX has violated my rights. 

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 card or prepaid card

I reside in Pennsylvania, and the Department of unemployment compensation sent me a US Bank Relia Card. My Pandemic unemployment Assistance ( PUA ) unemployment compensation payments has been deposited to US Bank Reli card. I went to make a withdrawal at XXXX XXXX, and I am also a customer with XXXXXXXX XXXX and an account holder. I tried to make a withdrawal and each time the XXXX XXXX  would want to charge me a fee of {$3.00} cents per withdrawal. I also tried to to transfer my PUA payments to my primary checking or saving accounts without much success each time more than three times.
Product: Debt collection

I am a victim of Identity theft XXXX Police Number XXXX I submitted in my police report that was taken by a police officer and provided it to all XXXX credit bureaus as it relates to XXXX XXXX Account Number XXXX.The account was removed however a collection agency placed themselves on my credit. 

I was not contacted by the collection agency but I have contacted them and they continue to ignore me and report the account. XXXX XXXX XXXX Account Number XXXX on my credit.
Product: Payday loan, title loan, or personal loan

I have ask the XXXX XXXX office several times not to call me at work. On XX/XX/XXXX a XXXX XXXX left a voicemail to return her call. I advised them I cant take personal call, do not call & I can be fire. I also ask them not to call refers. They called my husband several times giving him my personal business, search as past due amounts and caused problems in my home. They called my brother n law giving them my personal business as well. I told this office several time to please stop making these harassing phone calls. My cell number is a good number and has been provided as a mean to contact me!!
Product: Vehicle loan or lease

Payments are paid to ally bank and we have bank statements showing payments were made, then refunded back 10 to 12 days later, and then charged as late with late fees. This has happened twice now!
Product: Mortgage

I want the marked forclosure off my credit report we are in court, this case is not closed..
Product: Credit reporting, credit repair services, or other personal consumer reports

I brought my XXXX mini van in to be repaired at XXXX auto in XXXX NY while under warranty. The two electronic keys were not working properly.The dealer refused to honor the warranty claiming there was nothing wrong. I contacted XXXX and informed them that their dealer is refusing to honor the vehicle warranty. After the warranty expired the keys stopped working completely. I brought the van back in and was charged about {$480.00} for two keys. I asked why I was being charged and was told the warranty expired and they were not responsible. I paid with a credit card or I would not have been allowed to get my car back. I checked NY law and was told by two lawyers that if a vehicle is brought back under warranty and the problem is not fixed the warranty remains in effect until the problem is fixed. I informed XXXX XXXX chase credit card company of this. They refuse to remove the negative info from my credit file and this is causing me to be denied other credit card offers that come with large rewards. Issue two I went on XXXX and after looking at items a pop up adv from XXXX appeared offering me {$50.00} off my first purchase, NOT SECOND PURCHASE. If I applied for and received a credit card. I did this and was approved. I bought items for a bit over {$50.00}. I received a bill from XXXX credit card stating I would receive the {$50.00} off my second purchase and had to pay the {$50.00} plus from my first purchase. I offered to return the goods but they could not be returned. Since there would be no second purchase I asked XXXX to honor their offer. They refused and placed negative info on my credit report. This is hurting my ability to receive new credit cards. In both cases the credit card companies are intentionally transmitting false information about me in order to ruin my reputation. Can you do something to fix this?
Product: Money transfer, virtual currency, or money service

Yesterday which was XX/XX/XXXX of XXXX I got a notification from PayPal, they said they've temporarily limited my account and I need to provide some documents for them to review, I submitted all the documents they asked for, they did the review and didn't even reply to my mail, it was in the early morning which is XXXX of XX/XX/2022 that I logged in to my account to see if limits have been removed, that was when I saw that they've permanently limited my account, saying they'll hold my money for 180 days. Honestly I feel terrified because I don't know what I did that could result to my account limitation and request for explanation.
Product: Debt collection

They called at XXXX. They know I do not stay in the XXXX XXXX where the time is the different they know I moved to the XXXX XXXX last year but they keep I asked the woman did she know what time it was she said XXXX and I told her it was XXXX
Product: Vehicle loan or lease

On XX/XX/2023 I got approved for auto financing loan by Chase Auto for the amount {$45000.00}. I have XXXX health issues and have been diagnosed as XXXX. I have been dealing with this for last XXXX years and have my good & bad days. XX/XX/2023 was XXXX of my very low XXXX day. Without being in sound XXXX condition, I simply walked into XXXX XXXX XXXX XXXX XXXX of XXXX, NJ dealership. 

I do not have a regular job nor any bank savings to support my car purchase. I was not in a sound state of mind to do this purchase. I was hospitalized next day, XX/XX/2023 due to a XXXX XXXX 

Chase Auto should not have approved the car loan without verifying my employment status and history. I reached out to Chase Auto several times to explain my situation and get the auto loan cancelled. I need Chase auto to cancel this loan immediately with no penalty and have the car returned to the dealership. The car has not been driven since the day it was bought due to my hospitalization. I can provide supporting medical documents to exhibit my XXXX  health condition.
Product: Checking or savings account

1. I opened an account in CitiBank, We deposited $ xxxxx into this account. 
2. My husband set up my direct deposit to deposit a little money to this account ( under my name ). 
3. Citibank blocked this account, I asked them to either unblock this account or add my name to this account, but Citibank did NOT do that after many many calls. 
4. I gave up on keeping this account open, so I only want to get the $ xxxxx back. One customer service told me If I close the account, Citibank will issue a check to us in 1-2 months. 
5. After 1.5 months, I called them, a nice account manager found they withdraw my money to another account, and the balance of that account is zero. So she opened a case to investigate it. 
6. one week later, I called them again, they verified the case #, said they need 2 months starting from closing the account to finish all the work, It's not 2 months yet. 
7. one week later, one customer service said he can not find the case # ( another call confirmed ) 5. Now it's much more 2 months after the account is closed, I did not get any check or letter to know the status. 

I tried to call Citibank to figure this out, but they keep asking to talk other person, and the call is forwarded many times, and get zero valuable info. 

It has been 9 months since the account is blocked, so I want to complain here to know whether anyone could help us.
Product: Debt collection

There is a company by the name of Transworld Systems Inc, which is collecting on behalf of XXXX XXXX ... that is trying to collect a debt by placing a collections acccount on my credit report. I have disputed this entry on my XXXX credit report ( XXXX ) times, because .... I am a XXXX customer NOT a XXXX XXXX customer. XXXX XXXX DOES NOT provide services in the state of XXXX, in which I have been living here for over XXXX  years. I cant get XXXX XXXX services even if I wanted to, this is a clear attempt to collect something i dont even owe
Product: Mortgage

Ocwen Loan Servicing has violated 12 CFR 226.13, FDCPA, 15 USC 1635, TILA Rescission served upon them timely. Ocwen after being served notice of Rescission, TILA in Rescission and Billing Error Notice, alleges to have sold the loan to another debt collector without providing any disclosures in compliance with federal law. Ocwen also was served IRS Forms XXXX XXXX & XXXX and thus failed to take the necessary action. Ocwen reported adverse action credit reporting agencies in violation of 226.13 ( d ) ( 1 ) 12 CFR 226.23.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payment on an account that i was never late for XXXX XXXX XXXX  have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXXXXXX XXXX  XXXX Account number : XXXX, please investigate and provide proof with statement showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Money transfer, virtual currency, or money service

An account I follow ( XXXX XXXX  ) on XXXX raved about quick returns on XXXX XXXX  she did with ( XXXX XXXX  ) and I started a conversation with her to invest {$1000.00}. This person has a fake website with login & all. The received the money & confirmed that they have traded for bitcoins- after about 12hrs they asked for more money {$500.00} to upgrade brokerage account so as I can withdraw profits out of it. I sent {$500.00} as a charge ti upgrade brokerage account. 

After couple of hours they were like, the trade they bought for me had low signal and would not actualize into profits if the signals not upgraded and I would lose the original {$1000.00} too. If I dont send additional {$3000.00}. 
I was like no way im sending {$3000.00}. 
Then the person on other side like okay you pay half & Ill take care of the rest. And after sone conversation I sent XXXX XXXX  broken into {$800.00} & {$700.00} payments. 

And post that they tried to hack my XXXX & I refused to use any link sent by them. Reported to the bank within 2 days.