23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

When I got the loan I was told I would pay {$150.00} finance fee for the {$600.00} I borrowed. It would be a total of XXXX payments of {$150.00}. Never got any notifications when payments were being processed for those XXXX payments, then got a notice that they were going to process another payment from my account. When I contacted them they stated that was the process and they apologized for the inconvenience but those payments were each finance charges because I had not paid back the {$600.00} yet. I believe this whole thing is a Scam. They originally sent me papers saying a finance charge of over {$3000.00} and when I talked to someone I said I no longer wanted the loan because that was crazy I was not going to pay {$3000.00} to borrow {$600.00}. And that when they told me I 'd only way the XXXX payments of {$150.00}. And be done.
Product: Debt collection

I am receiving continuous harassing phone calls from XXXX XXXX from Advance Capital Solutions in regards to an alleged medical bill in XXXX XXXX. I requested an itemized summary of the bill and failed to prove the alleged debt is my debt. The company did not provide me with an itemized bill as requested and threatens to sue on behalf of his client if payment is not made quickly.
Product: Credit card

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened atXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, a personal phone account with XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a collections account opened at XXXX  on XX/XX/XXXX with a balance of {$560.00}, a collections account opened at XXXX XXXXl on XX/XX/XXXX with a glance of {$61.00}, a collections account opened at XXXX collections on XX/XX/XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$12000.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$690.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2700.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continues to report the account listed as XXXX incorrectly. It has several inconsistencies which means this account could not have been verified or validated correctly. 

Last Verified : XX/XX/XXXX - - Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX - - Account Rating : Closed Paid Paid Creditor Type : Bank - Student Loans Student Loans Miscellaneous Finance Payment Status : Current Late 120 Days Current Creditor Remarks : Closed - Closed or paid account/zero balance Student loan Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX TransUnion is reporting late payment in the month of XXXX & XX/XX/XXXX and XX/XX/XXXX. The payments for XXXX and XXXX both say 90 days this can not be true. 

XXXX is reporting late payments in the month of XXXX and XXXX of XXXX. There are also late payments in XXXX, XXXX, XXXX, and XXXX of XXXX. The late payments for XXXX and XXXX both say 90 days this can not be accurate. 

XXXX is reporting late payments in XXXX & XXXX of XXXX. Also XXXX, XXXX, XXXX & XXXX of XXXX. XXXX and XXXX both say 90 days this can not be accurate.
Product: Checking or savings account

I currently have joint checking and savings bank account with Bank of America ( BofA ). My husband and I have separated and I put in a request to have his name removed from the account. Noted that I am living outside of the XXXX so I had to put in this request via mail. In order to process this BofA requires documentation that must be signed by both myself and my husband and also notarized. Note that I had to go to the XXXX XXXX to have these documents notarized at a cost of {$300.00} USD. I competed the documentation in full and sent it to BofA via XXXX  in XX/XX/2020. I have a signed receipt from XXXX  showing that BofA received my documents in their XXXX office on XX/XX/2020. It has been 5 months now and my husband 's name has still not been removed from the account. I have called BofA customer service 6 times over the last 5 months and raised multiple complaints for which I received complaint numbers. The most recent complaint numbers are XXXX & XXXX. They told me the latest complaints would be handled in 3 weeks. Tt has been over a month and they still have not resolved the complaints. When I called today I was told that 'maybe ' the paperwork was lost and that I should resubmit it. But BofA was unwilling to cover the {$300.00} cost for me to have new documents notarized again. Given the fact that I have written proof from XXXX  showing that they have received my documents, I don't not feel that it is ethical to ask me to cover this cost. Especially when it is clearly mishandling by BofA. On my last call, I was told that I can submit new documents or 'wait longer '. She was not able to give me a proper status update on my complaint numbers and she was not able to tell ; me the results of the investigation on my complaint. I really need some help to pressure BofA to do the right thing here. I have followed their policies but they refuse to handle my request properly. This is awful customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is knowingly reporting incorrect and incomplete information on my consumer report. I have sent them a letter explaining their error, but they sent me a generic response letter stating the account was " verified ''. There are XXXX different balances being reported on an account. According to FCRA Section XXXX ( a ) ( XXXX ) ( A ), data furnishers have the responsibility to report accurate information. Not complying with the FCRA can subject your company to statutory damages of $ XXXX {$1000.00} per violation pursuant to XXXX XXXX XXXX ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent A complaint to remove or block these listed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.,
Product: Credit card

Kohls Credit Card Department offered me an option to keep my credit account which was past due open, they stated through every communication they were Kohls department store. In XXXX of last year they convinced me to go into a payment arrangement for XXXX months at which time it would catch the account up and all late payments would be removed from the account. After the last payment was made I continued to receive calls and informed them the arrangement that had been made with their agents and was informed that the card was closed and that I could try and reapply but otherwise it would remain closed, which was not what i had originally agreed upon when i made the arrangement with them. I told them before I would even consider anything else I wanted a bill, which i never received. Now they are harassing me saying the bill is over the amount i had already was supposed to have paid off because they added late fees yet again because they have not sent a bill. So now I was conned into going into an agreement with them which i honored to get use of my account back only to have been lied to and the account closed, and they continue to harrass me on my private cell line after being informed to cease and desist.
Product: Mortgage

Was I suppose to receive the response from the company dated  XX/XX/XXXX ? I never received that response in the mail or by email or by Ditech website. I only just viewed it on this site today Complaint Numbered #  XXXX . My Internet access is spotty so I ca n't often retrieve information/emails/etc. Further, when I 've gone on th e Ditech website this response was not post there either. Thus, Ditech has initiated fore closure process with a firm called  XXXX   XXXX   XXXX . Attached is my response to a letter  XXXX   XXXX   XXXX  sent me on  XX/XX/XXXX . Could CFPB please inform Ditech,   XXXX   XXXX   XXXX   XXXX    XXXX  and/or any of their representatives that they must actually respond to the complainer and not only CFPB. Had I seen this response several months ago, I would have initiated action on my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent information and accounts which do not belong to me STILL reposting on my file in Experian. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? I have already disputed these items several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting these items. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE these items from my file like the other bureaus have done. 

XXXX XXXX XXXX, XXXX XXXX, XXXX A XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to.

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within five business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX Listed below are the Collections that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX Your agency is in violation!

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

I spoke XXXX XXXX at XXXX XXXX. XXXX did not provide me customer service. All I needed Lowes to do was remove authorized user from account and XXXX advise could not do that because her company was having technical issues. Her response to why she could give me customer service was invalid and I would have to call back and possibly go through same torture. I was on hold for 45 minutes and did not accomplish anything.
Product: Debt collection

I have continuously tried and been promised by this company to be left alone regarding this debt. I believe my lawyer even submitted in an affidavit and it continues to sit upon my credit. This company has no respect for the law or the FCRA laws CPFB and with the attempt to do To protect the citizens of this country from what is basically extortion
Product: Money transfer, virtual currency, or money service

Hello I bought and sent XXXX USDC using the Coinbase app and they marked the withdrawal as complete although the withdrawal was never completed and I never recieved the money and Coinbase refused to help and kept closing my support tickets. I also contacted the reciever, XXXX XXXX, who also refused to help and claimed to never obtain my funds. 

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

On the XXXX XXXX XXXX I submitted a dispute to each of the major credit reporting agencies to report me being an identity theft victim. Despite the submission of all supporting documents required by the reporting agencies and the FCRA sec 605b for victims of Identity Theft, there has been no action taken yet.
Product: Prepaid card

I have some XXXX  giftcards and I wanted to use them. They should be good until XXXX/XXXX/24. And I was trying to use them on XX/XX/year>24. However I got a message that my cards have been expired. I talked to their customer service and requested them to charge a fee and renew my cards atleast for one day as my cards were eligible. But she didn't help at all. I told her that I was out of country and my kids got sick over there so I couldn't use them. My card details are as below. 
XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received a notice of default from Advance America on XX/XX/year>. The default amount is {$1300.00}. I did not take out a loan with Advance America. 

I went to the Advance America place of business on XX/XX/year> and asked about this loan. I was told to file a police report and to go online and report fraud.
Product: Debt collection

Since XX/XX/2021 I have received 600 to 900 automated ( recordings ) from SYNCHRONY BANK of Utah and Florida. 
XXXX or XX/XX/2021 I had a scammer call me, he spent 1 hour on the phone representing himself as Pay Pal During this time he charged my account {$700.00} then {$1400.00} then he took it off my account. I was afraid he would put it back on my account so I called SYNCHRONY BANK and explained what had happened. They said they would have their Fraud Dept investigate it. 
The thieves then took out {$700.00} from my account. and I started getting the phone calls. 
I have spoke to one of the SYNCHRONY BANK representatives and told him what had happened. Nothing happened. 
I wrote 4 to 5 emails ands nothing happened. 
I have stopped putting items on XXXX XXXX I believe my items have been shown since this all this has happened. I had hundreds of items on line. 
I will no longer deal with XXXX XXXX or SYNCHRONY BANK. 
I have been with XXXX XXXX 30 years and have made over {$100000.00} in sales
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit XXXXXXXXEquifax XXXX XXXX and/or XXXX ) credit report. My latest credit report shows credit inquiry/inquiries that I did not authorize. 

Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXX XXXX XXXX  Date of request ( XXXX ) XX/XX/XXXX Account name XXXXXXXX XXXX  XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXXXXXX XXXX XXXX Date of request XXXX XXXX ) XX/XX/XXXX Show more Account name XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX XX/XX/XXXX Account name XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXX XXXX  Date of request ( XXXX ) XX/XX/XXXX Account name XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXXXXXX XXXX  Date of request ( XXXX ) XX/XX/XXXX XX/XX/XXXX Account name XXXXXXXX XXXX XXXX of request ( XXXX ) XX/XX/XXXX Account name XXXX XXXX  Date of request ( XXXX ) XX/XX/XXXX Account name XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXXXXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXXXXXX XXXX  Date of request ( XXXX ) XX/XX/XXXX Show more Account name XXXX XXXX XXXX XXXX Date of request XXXX XXXX ) XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXXXXXX XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXXXXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX
Product: Debt collection

I had a auto loan with XXXX XXXX. Which the car was returned back to them time in XXXX of 2022. But before this XXXX XXXX  had changed it off and sent it for collection to Jefferson Capital system. Which I never signed agreement with Jefferson Capital system. Furthermore, I contacted Western funding requesting my 1099c since they changed off/written off this debts. Which they never since it to me because they said that they no longer have anything to do with this debt. If you look at my XXXX credit report you will see a XXXX balance. So after contacting Western funding I contacted Jefferson Capital system asking for validation of this account. Which I ask for a copy of the documentation with my signature saying that I signed a contract with them. So I ask that Western funding and Jefferson Capital system accounts be removed from all of my credit reports.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX and XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose In addition, it states everything on my consumer report is supposed to report to maximum possible accurancy under 5 USC 1681 e ( b ) as well as transactions, experiences, authorizations and approvals of credit are not included in your credit report under 15 USC 1681 a ( 2 ) ( A ) ( i ) ( B ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false account with XXXX XXXX and XXXX XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX and XXXX XXXX XXXX  denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX and XXXX XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Debt collection

XXXX gave away my personal information to a third party debt collection agency without my knowledge or consent as well as Collection Bureau Hudson Valley for unlawfully accepting, obtaining and searching my personal information without my knowledge or consent. I don't know who Collection Bureau Hudson Valley ( CBHV ) is considering that I didn't sign any contracts or agreements with them. I've reached out to the company via email to no avail for original copies of everything with my original signature and I have personal recordings of phone calls to which I was told two different things. As of now I am waiting with my attorney to pursue legal action because I feel like a victim of identity theft and all the outrageous phone calls that I have received daily in a week.