23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I owe USAA about  XXXX  in credit card debt at 18 % interest. The card is closed. I lost my fulltime job last year when I experienced a health crisis and have been sporadically part time employed since then. I am also going to school this semester to use my post  XXXX  GI bill benefits. I can not pay more than about {$100.00} amount but my bill is usually upwards of {$150.00} and they add a late fee every month. I have asked for a reduced rate and if I could qualify for some sort of hardship program such as  XXXX   XXXX  gave me. They referred me to an in house member debt assistance which told me I do not qualify since I have too much debt to be successful in the program. This has been going on for about 2 months. Recently in the pa st 2 weeks they have started calling every single day at least 3x. Wh oever calls does n't seem to know much about my problems, so I have to explain every single time, I think that they do n't even bother to keep notes.
Product: Debt collection

I contacted and mailed letter with no results. I asked for proof of bill being mine.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX I send a wire from XXXX XXXX XXXX to Citibank in XXXX. The money was to be available on XXXX XXXX, XXXX ( or earlier ) for {$XXXX} USD. This money has not been deposited or returned to me as of XXXX XXXX, XXXX. The individual has asked that the money be returned for the last three days. XXXX XXXX XXXX has asked that the wire be returned by it has not received an answer and has asked again. The money is being held by Citibank without it coming back to me or the individual. I have the individual at the name that is receiving email from the person who was to receive the money.
Product: Credit reporting

experian still does not issue my credit report/score and I am unable to refinance my home. 
no explanation given to me. only that " information not available ''
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 items : XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXX XXXX : {$2200.00} ; XXXX  XXXX  XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX : {$2000.00} ; XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX # XXXX Inquired on XX/XX/2022 ; XXXX XXXX  Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

Two accounts with the same company name has appeared on my credit report and I never applied for XXXX XXXX XXXX XXXXXXXX balance {$2600.00} and XXXX XXXX XXXX XXXX balance {$1700.00} Im requesting these two accounts to be removed off my credit report and blocked. These two accounts are fraudulent my IDs and my wallets have been stolen please removed
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/23 I sent a letter regarding inaccurate information. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made complaints with the cfpb, federal trade commission, and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. It appears that my credit with you has been compromised. I was going through my records & noticed many items that I requested for removal were still in my credit report. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to fraudulent activity. The disputed items were opened without my consent. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$960.00} XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In direct retaliation against me for escalating my concerns with their abuse of me as someone who received a predatory loan from them - documented in complaints XXXX, XXXX that XXXX XXXX XXXX XXXX has refused to provide response to, XXXX continues to harass and file false legal complaints against me as well as provide falsification of records and information to the credit reporting agencies. I have it well documented through electronic record in their systems as well as my recorded phone calls with their representatives that I repeatedly advised them that I was requesting a voluntary repossession and that it should be reported accurately upon voluntary surrender of the vehicle. For months on end ACA ignored me, refused to communicate with me and falsified records when I had no choice but to file a complaint with the CFPB because of their refusal to allow me to voluntarily surrender the vehicle. They have filed reports and statements to the credit reporting agencies stating that the vehicle was involuntarily repossessed ( all of my records, recordings and data prove otherwise ), along with them seeking action to recover {$31000.00} from me. XXXX is attempting to bully and silence me as they do other customers into dropping my complaints and organization into a class action lawsuit against their company for unfair and deceptive predatory lending practices, falsification of records and financial abuse of their customers and failure to provide any response to my repeated attempts to have them retrieve the vehicle. Even now, they refuse to provide response to the CFPB. Further investigation into their practices and data records is needed to validate the abuses they have taken against me. Their representatives and management team orchestrating the actions against me are adept violating the regulations and laws meant to protect customers from the crimes XXXX is committing. A review of their data records and all internal correspondence requested by the court will validate the information contained in my complaint along with the document upload I have provided that demonstrates their falsification of records and false reporting to the credit reporting agencies.
Product: Payday loan, title loan, personal loan, or advance loan

This loan is illegal in the state of South Dakota it charges over 400 % interest which cause financial hardship and bankruptcy in the people who use spotloan loans services. This loan company is lending illegally online in the state of South Dakota on XXXX XXXX under the pretense of a installment loan but it is a payday loan and this loan and this company is violating federal and state laws lending in South Dakota this loan company also is violating the rico act and I call on the federal government to investigate all XXXX loan online lending practices and the interest rate they charge causeing long term harm and financial hardship and bankruptcy to the citizens of the USA. I revoke all signed agreements and documents with spotloan this is an illegal loan and I am not a XXXX citizen I am a citizen of the United States and under federal law and jurisdiction. I call upon the us government to stop these predatory loans and help us because this is ruining good peoples lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit scores report pulled and there is a 55 point difference between what experian is reporting as my credit score ( XXXX ) and what XXXX  and XXXX are reporting ( XXXX respectively ).  I called experian and a representative was unable to help process a dispute against the score reporting. Which seems excessive in terms of fair reporting. This difference seems extremely odd. I have reviewed all three reports and the same details/accounts are listed. With minor variations, however, not enough to cause a significant difference. 

When the sum of these scores are used for things like a home mortgage a significant difference like that can be irreparably damaging.
Product: Debt collection

I am called 8-10 a day between XXXX and XXXX by Comitiy bank. We are currently overseas and they have continued this for WEEKS. My husband is in the military and we can not get any sleep because of these repeated calls!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an issue with this Mortgage debt collecting company name XXXX XXXX XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX During the pandemic I was applied the Loan forbearance with the company and they was put my file on the programs and promised not report as late pay after 2 month later I find out this is as late pay on my credit report as Current, was past due 30 days Status date XX/XX/2020 the company reported XXXX  as late payment which is the date I applied for loan forbearance I already paid all the payment now and never being late, I tried to contact them many times they don't answer the phone call and my credit report get red mark now
Product: Vehicle loan or lease

XX/XX/XXXX I came in and got a new car after some deliberation and sales tactics. They ended up coming up with a plan to get me into the XXXX Mitsubishi XXXX XXXX XXXX XXXX XXXX, however once I left with the car ... that's when all support and action ended. Now my calls, texts and emails are ignored after clearly stating I wanted updates on the actions taken/pending concerning this issue. 

The salesman XXXX, and the two Finance Managers XXXX XXXX XXXX worked through my paperwork on the XXXX when I left around XXXX after getting in around XXXX... However a few days later I was sent an inquiry as to my satisfaction. To that date, my biggest dissatisfaction is the false advertisement pictured here showing that my brand new XXXX special edition SUV had Mitsubishi XXXX, and upon trying to activate and calling Mitsubishi XXXX... it doesn't have it. New XXXX special edition doesn't have the same features my spouse has on her XXXX XXXX  ... OK. False advertisement and misleading signage meant to infer I had a product I did not when purchasing a long term commitment new vehicle .... now on to the worst part of this. 

After sending the initial email and two more, combined with contacting their QA via text message several times, the branch manager finally contacted me and explained that while I did sign and purchase the vehicle on XX/XX/XXXX ... someone on their end did not do their job and as a result are causing me to suffer statutory and actual damages. 

Not only did they do hard inquiries against my credit several times on the XXXX XXXX XXXX, they then tried to get me to come up XX/XX/XXXX after FINALLY noticing that nothing was done on their part. One of their 'managers ' drove up that day to have me resign paperwork dated for XX/XX/XXXX on XX/XX/XXXX, in an attempt to be disingenuous. I had been trying to reach them for 2-3 weeks with no answer or response other than 'i will look into it ' from their emails, automated attendants, etc.. 

Now I have had two more hard inquiries to my credit outside of the 30 day period, my previous loan is now late and will damage my credit, and I still don't have a title from the XXXX ( expires XXXX and will likely incur tickets ) or the XXXX cashback refund they said I'd have within 2-3 weeks. 

This is the third vehicle I've purchased through XXXX XXXX 's family of dealerships, and with the way this interaction has gone ... it'll be the last and I'll warn every person I ever speak with to stay far away from this company.
Product: Checking or savings account

Revolut USA has kept my account under review for 14+ days without any updates. My funds are locked, and I am unable to access my money. Support keeps saying there is no update. I need my funds urgently, and Revolut is not cooperating.
Product: Credit card or prepaid card

My payments have not been applied to the proper balances as required by law. I spoke with a supervisor that acknowledged they broke the law by misapplying the payments. She then also told me its my fault because I should have noticed. Yes small truth to that but is the company just exempt from following the law? I asked that my payments be reapplied to the correct balances and this still has not been done. Care Credit has applied payments to a newer balances before paying off older balances, therefore possibly causing me extra fees and interest.
Product: Credit card

I pay my statement balance in full each month. Per their statement fine print they apply my payment within 5 days. This time, the balance was high, because I am doing a construction renovation in my home. So I paid the {$9000.00} balance off on XX/XX/XXXX. The money has left my checking account on XX/XX/XXXX. I called in XX/XX/XXXX to see why they hadn't applied the payment yet and they said they were holding it until XX/XX/XXXX. That is XXXX weeks where they have my cash AND are holding my credit. That does not seem right or fair and they can not provide terms that I signed that said they would do that. They are penalizing me for paying!! Outrageous. And if they can hold my money for 14 days, shouldn't they owe me interest??? If I was 2 weeks late on my payment I am sure I would have to pay interest. Why do they get to lock me up like this? My contractor is waiting for his next payment!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint due to lack of compliance within the allowed timeframe from the Credit Bureaus. Please remove the following accounts : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, TransUnion data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Debt collection

I inherited a house left to me by my mother. At the time that I took over responsibility for the house, it was already in foreclosure proceedings due to arrears in mortgage payments to Wells Fargo. I worked with Wells Fargo to come up with a mutually agreed upon settlement to get the house out of foreclosure and satisfy all arrears. A statement dated XX/XX/XXXX indicated the " minimum amount due to reinstate account as of this statement date '' was {$14000.00}, which included attorney costs. I paid {$15000.00} on XX/XX/XXXX. In a letter from Wells Fargo, dated XX/XX/XXXX, they " received the amount needed to reinstate [ the ] mortgage. '' A balance of {$1000.00} was indicated in the same letter as " unpaid other charges '' that were paid on our behalf and " may include any of the following :  attorney fees, real estate taxes, property insurance premiums, home preservation charges, or other charges associated with your property. '' These fees grew to {$4000.00} by XX/XX/XXXX. Never was I provided any description of the original charges or subsequent charges. 
The loan was then sold to XXXX XXXX XXXX, effective XX/XX/XXXX.  XXXX XXXX XXXX then began carrying that balance as a " Past Due '' balance. 

Wells Fargo and XXXX XXXX XXXX have been using deceptive, dishonest and unethical business practices for too long! I would have thought the class action lawsuits against both companies would have encouraged, if not forced, them to remediate their business practices. Guess not! Shame on them.
Product: Credit reporting or other personal consumer reports

I noticed some incomplete and inaccurate information on my credit report. 

By federal law, under Section 609 ( a ) ( 1 ) ( A ), they are required to verify any accounts you post on a credit report by physically verifying the original signed contract. A fraudulent account could be faxed, mailed, or emailed in by anyone paying for their reporting services. 

Please provide me with verifiable proof ( i.e., an original consumer contract with my signature ) for the following account or they shall be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX In addition, I found an inquiry that was being reported that I did not authorize. Under 15 U.S. Code 1681e ( b ) accuracy of a report, whenever a consumer agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

I am requesting that this inquiry is immediately removed. I have attached a screenshot for your convenience : XXXX  XX/XX/2022
Product: Mortgage

in 2020 I had asked for a 6 month lower payment to take care of a bed bug issue after losing all my furniture and thounds paid into treatment... paid XXXX a month then covid hit and XXXX XXXX XXXX XXXX XXXX and without question they extended it for 2 years and would not let us pay even tho XXXX XXXX XXXX XXXX XXXX 4 weeks later and we were ready and willing and able.The last specialist would have taken our money with explanation that none of it was going to the principal of our XXXX. Insurance didn't help neither did anything else. Our int. was XXXX now it's been XXXX and mortgage raise from XXXX to XXXX we bought this home 24 years ago for XXXX now we owe XXXX. As a former RE agent I believe they stole our equity as well. I am unable to give acct # attached to loan # as I would have to wait for hubby to get home but I will give the acct # the payments come from. Help is much appreciated
Product: Debt collection

After renting a house in an economically challenged neighborhood, my wife and I were forced to remove ourselves from the property due to ongoing threats of extreme violence from the neighbors. In doing so, we had to make arrangements with the property owner, XXXX. Our agreement was a verbal one and we were to receive a written statement, I am not sure where it went as we moved in a hurry. The agreement included cash as well as all of our brand new appliances ( cash value was more than the debt ). We just need to get out. A year had passed when we first noticed a collection company reporting we owed someone we not aware of. We never received a written statement of this debt, just that it seemed to appear out of nowhere. Unfortunately, this debt gets removed and the replaced. Now the collection is still ongoing and still noting in writing from them, I have sent a register letter to acquire this information in writing. The ongoing effort to collect a debt that we do not owe is being done by a company that is not licensed to collect debts here in the of Florida!
Product: Credit reporting or other personal consumer reports

I believe that these accounts were associated with a different person with the same name and address as mine and merged the file. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
GM FINANCIAL XXXX and GM FINANCIAL XXXX. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX SS XXXX DOB XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, SAGESTREAM the also have records of file the are wrong.
Product: Checking or savings account

Wells Fargo, has been hitting me for hundreds of dollars in ATM overdraft charges while I was in the hospital. I never opted in for them to pay debit overdrafts, as I was certain that if there was no money in my account a debit card would just deny them. I was XXXX and unable to reach out to them. But I called them several times and stated I wanted to correct my account that I have had since XXXX they said the executive team would reach out to me in two to four days. Then it was 10 now they closed my account and say that I owe them hundreds in overdraft fee 's for XXXX, XXXX charges. Why would they honor XXXX charges only to charge me {$35.00} time 15 times. They refuse to call me back after several attempts. I never opted in. I offered to pay anything that was ACH even though me being in the hospital I could not stop them, but ATM/Debit cards? I have been a member since XXXX