23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2023, US Bank sent me two separate letters notifying me of closing my checking accounts. As of today ( XX/XX/2023 ), I have not received the refund check for my account balance of over {$4000.00} in total. 

I made numerous phone calls to the customer service center but they all simply let me wait for the refund check. When asked about the details of the reason for account closure, they refused to provide more details. 

US bank has also disabled my online account. I have made numerous phone calls, but my online account has not been enabled as of today.
Product: Credit card

On XXXX, I opened up a OneMain Financial XXXX credit card. 

On XXXX {$89.00} was withdrawn from my bank account via wire transfer from XXXX XXXX. Automatically, I thought of " BrightWay  '', whom I have my credit card with. I called them, and they declined " knowing anything about this transaction '', but admitted that they are partnered with them. I never gave my account bank to XXXX XXXX ; I only gave it to BrightWay. I contacted XXXX XXXX ( XXXX XXXX XXXX XXXX ), and when I asked about how they got my account details to steal this {$89.00} from me ( that BrightWay  likely gave it to them without my permission ), they simply responded with : " Thank you for contacting Bright. Please be informed that we see your account information is already deleted from our database. ". I have attached a screenshot for reference of our email correspondence. Everything seems very shady with vague replies. 

I owe BrightWay  {$540.00}, but they claimed on my credit report that I owe them {$640.00} because their unfair " interest charges '' and " late fees '', because I'm unable to make any minimum payments due to me having to report the fraudulent charge of {$89.00} and freeze my bank account. I had to open a new bank account elsewhere and switch my financial information with all of my bills, and it was a very frustrating process. I called BrightWay  to make a payment by debit card, because I explained I am afraid to ever give them anymore bank account or routing numbers because they shared it with XXXX XXXX ( their secret partner ). Because they refuse to give me any other option to pay other than account/routing number, they keep accruing me unlawful " interest rates '', " late payment fees '', and also hit my credit score TWICE with delinquencies on XXXXXXXX  XXXX XXXX 

I am stuck without any way to resolve this issue. Please, I ask that BrightWay  's already-charged annual fee of {$60.00} be waived along with their unlawful interest fees and late payment fees ( I could not make any payments because they shared my account bank information with their thief partner ), so that the total I owe BrightWay  is {$480.00}, and I would like to make monthly payments to them through a 3rd party, so that they would not steal my information anymore. I do not trust them at all, and whenever I called them, I was always speaking to the same person, so it leads me to believe that this is a very small company ( if not operated by one person/scammer ). 

Thank you for your help, and I hope we can also remove the unlawful delinquencies on my credit score because of their scamming and fraudulent practices. If there is a way I can be waived everything I owe them because of my exhausting stress, that would be even better. I look forward to hearing from you at your earliest convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last month to the credit reporting agencies regarding an account on my credit report. They are reporting that I was late, but I was never late. I have asked for validation and was never sent any historical data. I am asking for XXXX, XXXX, and Transunion to fix this inaccurate information they are reporting to the credit reporting agencies. Their error is causing me extreme distress. The data furnished is different between all 3 bureaus and this is a violation of the FCRA because all data furnished should be the same. They are reporting that I was 120 days late in XXXX while the other is reporting XXXX. How is this accurate? You are also reporting 120 days, but nowhere in the payment history is it recorded that I was late 30 days which is the first violation. If I was late, you think a company will skip over 30, 60, 90 days and just report 120 days? I am liable for compensation for false reporting, but at this time I am only asking for the late payment to be rescinded. I do expect a response within 15 days since it has been well over 30 days since my letter to this company. Please see the inconsistent credit report. I will attach my credit report to show the inconsistency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX XXXX XXXX XXXX, who owned XXXX XXXX. in CO, but has since sold. Refused to close out the apt . I left in XX/XX/2022. They did not meet me to close the apt or present a final bill. ( XXXX ). I emailed and phoned dozens of times & they never returned my calls. They ended up sending a balance of {$520.00} to XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX  XXXX XXXX of course reported this to all three agencies & charged me a fee raising the amount {$560.00}. This should have never went to collections. I emailed my state attorney general about the real estate company. But, it was too late for the damage to my credit report. I paid XXXX XXXX, with the expectation that the information would be completely deleted from all three credit reports -- not just reported as paid, but they did not so, so I still have a delinquent mark on my record, which is completely not my fault! They lied and have only updated the record as paid. They refused to provide anything in writing either. I have a 3:34 recording attached -- both parties knew they were being recorded -- -stating this info would be fully deleted from all three credit bureaus.
Product: Debt collection

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports and despite sending a written request the unverified collection ; RADIUS GLOBAL SOLUTION ( Original creditor : XXXX XXXX ) with account number XXXX still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureau have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus is investigating properly before posting derogatory information. Please remove this damaging file on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have not resolved this complaint number XXXX, instead you came to the aid of Transunion. Transunion did not answer, you closed the case before they answered. Why won't you allow them to answer instead of allowing them time to respond. They said they needed 60 days but you closed the case, why?
Product: Money transfer, virtual currency, or money service

I was watching tv I got a request from an unknown person asking for XXXX I declined one second later all my money which was XXXX was sent to a person and said that I sent it which I did not send it Cash App is not helping me they basically said it was an Authorize use Nobodys never seen my phone or pen I do facial recognition I filed a police report I dont know what else to do I did not send it nor do I know the person and Cash App is not helping me
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax is reporting a debt from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX on my credit report incorrectly. These were included in by bankruptcy with was discharged. These debt should be removed from my credit report
Product: Money transfer, virtual currency, or money service

Complaint against Cash App XX/XX/17 - XXXX XXXX Purchase {$100.00} ( fraud ) This company charged for {$100.00} and when it went through they then tried for {$1000.00} and then {$200.00}. The charge for {$1000.00} or {$200.00} were declined based on my account balance. My card was not present and I have never worked with this company XXXX XXXX Purchase nor ever heard of them. Ive filed multiple claims with Cash App and they continue to feel me that based on their investigation the transaction is valid. Cash App has not treated me like a valuable customer ( all over {$100.00} which is ridiculous ). I feel extremely undervalued and disappointed because I used them so often. I have since completely closed my account and will never work with them again but I would like to make a formal complaint and if I can get a refund for this fraudulent charge.
Product: Money transfer, virtual currency, or money service

Theres a person i met online through a fighting game and we play often. I know him now for at least two years. So recently he made a post about giving away a game system since he had gotten another one. Now i know him never to be a shady person nor steal from anyone so i asked him and he said he would give it to me. By this time i was unaware his account had been hacked and i didnt know because i dont get on social media that often. He said send XXXX then after said another because of the weight of everything which was still believable. I didnt put two and two together until they slipped up and said something he would never say and i asked him something he and me knows about and at that point i asked fir my refund. They said they would give it back later in the evening in which that point he blocked my account. I went on my other account and acted as if i wanted to get it as a different person but i instead was able to get the cashapp names they gave me and reported them all. After all said and done i filed a claim with cash and and my bank and cashapp wont refund the money.
Product: Credit card

I was suggested this card from my dental care. As per their suggestion, I applied and was charger for my service. I was making payments in time for past one and half years. For last three months, I dint receive any statement. I was contacted by their reps and informed that i was running behind my payments. I informed that, I will make a payment after I receive the statement. After two days I received the statement and was charged XXXX interest of XXXX balance. I offered them to pay all my remaining balance which is XXXX but informed that I am not making interest which sounds ridiculously high. And I do n't think it was my fault since I dint receive any statement for past 3 months. It looks to me that they intentionally dint send the statement so that they can force me to pay unjustifiable interest. I am ready to make a full payment but wo n't pay the interest. At this point I feel like they are palying fawl game. Please suggest us something that will help, I do n't wan to owe them money but still do n't want pay fowl interest which was introduced later on.
Product: Credit card

Hi. I'll try to be brief but concise with my situation. 

On XX/XX/year>, I purchased a commission ( customer order ) of a hand-made plushie for my original character. The purchase was completed on this website XXXX XXXX XXXX XXXX. It was completed through my XXXX account ( XXXX ), but paid with my Discover It Credit Card. I purchased a XXXXXXXX XXXX XXXX, which is no longer available as an option there. It costed {$350.00}, and after tax, the total came out to {$380.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX on XXXX ) opened these commissions on a first-come first-served basis, with numerous slots. After placing my order, I was made known that I could expect my plushie to be created in XXXXXXXX XXXX Attached in the photos are one of the plushie schedules with my character circled. I also provided the reference sheet of my character just to further prove that it's my character. 

Essentially, the screenshots show that from XXXX to XX/XX/XXXX, the seller had gone completely silent with no forms of communication on either XXXX, her primary form of communication, as well as email, despite attempts from myself and numerous people to contact her. She had gone silent and not worked on the products as scheduled from at least the middle of XXXX. 

At the start of XXXX, she finally returned to XXXX  out that she had unfortunately attempted XXXX  She further stated that there would be no ETA provided for when plushies would be delivered, as shown in the screenshots. Since then, she still has not communicated publicly, nor has she responded to my emails. And to my knowledge, I do not know if she has responded to others ' inquiries either. 

I attempted to file a dispute with Discover for this. The Dispute number is XXXX. I actually filed the dispute before she had returned to post on XXXX about her XXXX  attempt, but I made sure to include this proof in the dispute. To my knowledge, policies regarding refunds and disputes operate on when a product is expected to be received and not when the purchase date occurred. However, despite the circumstances and evidence provided, Discover did not grant my dispute and decided to not grant my dispute. 

After this, I still attempted to message the artist and ask for a refund directly once more, expressing a sadness towards their news but a worry about the situation regarding the commission. They have not responded to me for days now and I am not sure what their current situation is. As you may notice in the screenshot of my message to her, she does draw characters before creating plushies of them, and that drawing is in the plushie schedule picture mentioned earlier. I did offer her to not receive a full refund since I acknowledge the effort put into that part.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act, XXXX XXXX Co Acct # 76 and Acct # 04, have 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 : states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently bought Vehicle XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. 
and the autoloan provided for this is XXXX XXXX XXXX 

I was able to make payments on my Autoloan continuously from XX/XX/XXXX till XX/XX/XXXX. Issue started with XXXX payments. 

Issue : My Car dealer sold me a wrong Car with different VIN number it seems ( Attached are the request from Dealer in SMS texts ). They urged me to come back and complete the new paperwork that reflects the new VIN number of the Vehicle. Which I did apparently, and asked them would this be an impact to any where like Funds, credit reports etc but they said no changes at all and you should be good just with paper work XXXX This happened in XX/XX/XXXX ). After this episode I normally logged in to make XX/XX/XXXX payment and then the Loan account ( {$30000.00} XXXX shown as Paid off ( Online ). I received the Old Vehicle Title and New registration in the Mail as well. 

Looking at this I had called in the bank to identify who paid it off, and bank did not disclose it, After a week time from the week paid off, I decided to login again and make payments if any, this time the new loan amount ( {$30000.00} ) was posted back, but when I tried making payments they did not let me do that by throwing an error called technical difficulties. This happened almost 6-7 times, then I contacted the bank to figure out the issue and they started making different stories all the time saying My source bank had the issue, later on they said its locked, and once they said this is because you missed your current payment and its gone to collections already. 

Starting XX/XX/XXXX I made numerous calls to bank and figure out a way to clear this out, but they were not helpful in resolving this issue and keep on transferring my called to various departments. I tried contacting XXXX and they said they do not care about these things once Car is sold out of the Lot. 

Please look into this issue and attached are the Texts from the XXXX XXXX regarding this change.
Product: Mortgage

Citizen 's RBS are not properly applying payments. I can see this through their own records in our foreclosure action and bank statements I have. 


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Product: Debt collection

Michael & Associates has contacted both my parents asking for me and stating they are lawyers and debt collectors. I've asked them not to on their recorded phone call, they should lose their license and prosecuted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reports that I was evicted, but I have never been evicted nor had an eviction process initiated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I pulled my credit only to find that Transunion had XXXX hard inquiries on my report, only to find that on XX/XX/XXXX a fraudster was able to not only apply for a credit card but to open up a bank account. These inquiries were pulled 1. ) To apply for a XXXX Credit Card and 2 ) to open an account with XXXX Bank. Neither of which I requested. Back in XXXX of XXXX, I placed a security alert on all XXXX of the major XXXX 's. Had this been handled properly by Transunion neither the application for credit nor the opening of account by XXXX would have happened as the Bank XXXX Creditor would have been unable to pull this. As a result of their negligence, they played a part in allowing someone to open an account at XXXX. In addition, I spent XXXX hours trying to undo what had happened with XXXX, XXXX Bank, filed a XXXX XXXX, report everything as identity theft and reach back out to Transunion to ensure a Fraud alert was added to my file. Had they done what they were supposed to in XX/XX/XXXX this never would have happened.
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 U.S.C 1681 XXXX XXXX XXXX # XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report of more than XXXX years. 

! 5 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: Debt collection

I.C Systems Inc stole my nonpublic personal information, opened a fraudulent account in my name without my knowledge or consent, is attempting to extort me for payment and then reported this fraudulent account into my credit report which has caused so much damage. I am stressed and embarrassed. I never received any notices from IC systems, not that I should any way but, they are required to follow federal law in which they did not. I do not have any contracts with them. There is no Privity of contract between me and them. I.C Systems has failed to provide adequate validation of the debt. I.C Systems has failed to provide : Proof of the existence of the alleged debt and outstanding balance ; proof of a contract verifying I.C Systems can legally collect ; and proof that I.C. Systems Inc is the current holder of the instrument which created the debt.

I.C. Systems is violating Uniform Commercial Code 3-302 ( a ) ( 2 ). A debt cant be transferred or sold when past due or in notice of dispute. This company claims that the alleged debt was originated from XXXX yet I.C Systems Inc is the company listed on my consumer credit report. I.C. Systems claims to have purchased the alleged debt/transferred the debt from another company, XXXX. Aside from the unsubstantiated validity of the alleged debt, this is a violation of law. 

I REFUSE TO PAY THIS ALLEGED DEBT AND I DO NOT CONSENT FOR I.C. SYSTEMS TO HAVE ACCESS TO MY NONPUBLIC PERSONAL INFORMATION AS THEY ARE THIRD PARTIES THAT I NEVER DID BUSINESS WITH.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX  of debt bondage and would like for all of the listed accounts to be blocked and deleted from 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
Product: Debt collection

I received a letter from Credit Control LLC on   XXXX   claiming they are collecting a debt in the amount of {$460.00} from an account in my name from   XXXX   XXXX  . I do not owe this, so I contacted Credit Control LLC immediately and asked for validation of this debt. Never heard from them. I contacted CFPB on  XX/XX/XXXX  and filed a complaint about this issue. Credit Control LLC responded to me through online portal for CFPB on  XX/XX/XXXX  stating that they would stop all contact and collections until they had sent me validation.  XXXX  days have past I never received validity of this claim. However, Credit Control LLC has reported on my credit file under the name Credit Control LLC and also under the name  XXXX   XXXX   XXXX  as if they have validity of this claim and as if I have received from them validity of this claim, of which I have not. And caused my credit file to take a   XXXX    digit decline.I have never done business with either of these companies and have no outstanding collection accounts until they hit me  XXXX  with their claim. They claim an account number ending in  XXXX  is an account they own and are collecting from me, but after  XXXX  days has not given me any validation to this claim.