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

Last year while I was in between homes I took out a title loan with EasyDollarLoans XXXX XXXX XXXX XXXX in XXXX using my car title that I owned free and clear and paid XXXX for. The loan was for {$2500.00}. I no longer can see my loan documents because they disconnected my loan from the online account when they repossessed my car from my residence in XXXX, NY on XX/XX/XXXX. XXXX XXXXXXXX XXXX  XXXX came to my new address and took my car and its in XXXX, NY. I have attached my XXXX letter from my doctor and I am currently in XXXX XXXX XXXX XXXX  and suddenly not having my car has drastically affected my XXXX and my ability to make money. I have never received any notice stating that they were taking my car or offered a workout agreement. I received a notice of repossession by mail after my car was taken. I didnt know I had the option to lower my payments or renegotiate my loan terms. XXXX XXXX from XXXX XXXX XXXX emailed me on XX/XX/XXXX and we discussed me trying to make payment. I never received any notice after that exchange with her via email. I have been in college full time and I am self employed doing deliveries. I was going to use my next tuition refund and tax return to pay the total of {$3300.00} I was told I owed when I called in XX/XX/XXXX. When I spoke with XXXX from XXXX on XX/XX/XXXX she told me yes they took my car and that I needed to pay {$6900.00} in 15 days or my car would be sold at the auction. She wouldnt negotiate anything and she wouldnt email me my loan documents or give me access to the online account. They were extremely vague about when the car was sold in the letter stating that it would be sold sometime after XX/XX/XXXX.
Product: Debt collection

Dear Credit Protection, This letter is in response to your collection on my credit report which was opened on XXXX XXXX, 2012. Since the amount is so small, I wish to save us both some time and effort by settling this debt. 
Please be aware that this is not an acknowledgment or acceptance of the debt, nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. 

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. 
I am willing to pay [ this debt in full in return for your agreement to remove all information regarding this debt from the credit reporting agencies within ten calendar days of payment. 
If you agree to the terms, I will send certified payment in the amount of {$120.00} payable to [ Credit Protection in exchange to have all information related to this debt removed from all of my credit files.

If you accept this offer, you also agree not to discuss the offer with any third-party, excluding the original creditor. If you accept the offer, please prepare a letter on your company letterhead agreeing to the terms. This letter should be signed by an authorized agent of Credit Protection. The letter will be treated as a contract and subject to the laws of my state. 
As granted by the Fair Debt Collection Practices Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I use Credit Karma to monitor my credit- and work on trying to repair my credit. I've received several notifications from Credit Karma of offers on loans and credit cards. I eventually took them up on a pre approval offer - When I applied to a company called XXXX XXXX XXXX  on XX/XX/XXXX of 2021. I was denied because in fact I was not preapproved and plus you have to an automobile as collateral to get a loan - which I was not even aware of. This placed an hard inquiry on my credit report, which brought my score down several points also the hard inquiry stays on your report for 2 years which last for two years. I would have never applied if was not made assure that my approval rate was high for this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX {$450.00} XXXX XXXX {$740.00} XXXX XXXX {$630.00} XXXX XXXX {$1500.00} XXXX XXXX {$1000.00} XXXX XXXX $ XXXX XXXX {$460.00} XXXX   XXXX {$230.00} XXXX XXXX {$2100.00} XXXX XXXX {$470.00} XXXX   XXXX {$100.00} XXXX XXXX {$950.00} XXXX XXXX {$230.00} XXXX   XXXX {$550.00} XXXX XXXX {$0.00} XXXX XXXX {$260.00} XXXX   XXXX {$190.00} XXXX XXXX {$740.00} XXXX  XXXX {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$530.00} XXXX XXXX {$0.00} XXXX XXXX {$580.00} XXXX   XXXX {$1600.00} XXXX XXXX {$1300.00} CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX XXXX XXXX {$2300.00} XXXX XXXX {$1300.00} XXXX XXXX {$530.00} XXXX XXXX {$740.00} XXXX XXXX   XXXX {$850.00}
Product: Debt collection

Called me during work hours, and after I politely asked him to call me after work he started raising his voice, saying " You need to pay your bill, you haven't made a payment in a year, '' and that was after I asked him not to call me until after XXXX XXXX. I believe I had {$500.00} when I no longer had the ability to pay ( child support arrearage, etc ), and that amount has since gone up to the thousands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX, NC XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXXXXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXXXXXXBalance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3900.00} XXXX XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX*Balance : {$59.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$190.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccording
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX continues to send negative information to credit bureaus regarding my accounts. I have been sued by my own family, have had my XX/XX/2018 tax refund wrongly taken by the US Department of Education ( {$2000.00} ) which I included in a separate CFPB complaint, and have been facing eviction in my current place of residence. I have also had a lack of food due to lack of money. 

Because the US Department of Education failed to return my {$2000.00} tax refund or give me a reason as to why it was not returned to me, my car was repossessed. Now, looking at my credit report, I can not qualify to buy a new car because my credit has been negatively reported by XXXX XXXX, who is contracted by the US Department of Education. 

I would like them to take the false, negative information off my credit report. Mutliple contracted agencies are taking advantage of my terrible financial situation and I want it to stop. I want XXXX XXXX, along with ALL US Department of Education contractors to discontinue negative reporting on my credit. You are beating a dead horse. I have been faced with multiple evictions ( one because of the US Department of Education ) and have had my car repossessed because again, my refund was not returned to me. And now, as I try to fix the problem the US Department of Education and their contractors created ; they have sent numerous negative comments about my credit. 

The US Department of Education and their contractors need to work with me, not against me. I need to be able to buy a car and live my life. I have NO other negative marks on my credit, except for what the US Department of Education and their contractors have submitted. I am asking you to stop, it Is ruining my life.
Product: Checking or savings account

Opened an 11 moth CD with Ally Bank in XXXX. Account qualified for a 1 % bonus after 90 days. Never received bonus. 

Wrote to President, Ally Bank on XX/XX/XXXX and XX/XX/XXXX Wrote to Board Member Ally Bank on XX/XX/XXXX Wrote to Ally Bank Customer Service XX/XX/XXXX I have not received any reply to these 5 letters.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of concern regarding inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Despite the passage of time, Equifax has not responded to my dispute. I believe Equifax has an obligation to adhere to federal laws and regulations, specifically the Fair Credit Reporting Act ( FCRA ). 
Below are the details of the inaccurate information and the necessary corrections : XXXX XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit limit {$630.00} ) : Please remove this account from my credit report as it is not mine. 


XXXX XXXX Account ( Date Opened XX/XX/XXXX, Balance : {$460.00} ) : I request verification of this account, as the reported balance is inaccurate, and the account is closed and charged-off. Please mark this account as disputed while I resolve the issue with the creditor. Verify Date Opened, Date of Status, and First Reported. 


XXXX XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$390.00} ) : Remove this account from my credit report as it does not belong to me. 


XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$260.00} ) : The reported balance seems higher than what I remember. Please report this account as disputed while I address this discrepancy with the creditor. 


XXXX XXXX XXXX. Account ( Date Opened : XX/XX/XXXX, XXXX : {$610.00} ) : Correct the imprecise information on this account. Remove the past due amount and mark the account as disputed until the corrections are made. 


XXXX XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$14.00} ) : Revise the reported information as the balance and past due amount are inaccurate for a closed and charged-off account. Mark this account as disputed until the necessary corrections are made. 


Account with Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$410.00} ) : Remove this account from my credit report as it is not associated with me.
Product: Credit reporting or other personal consumer reports

I had a medical issue which incapacitated me for 4 months. During that time, I let my account get overdrawn a couple of times because of auto bills, as I wasn't able to catch them in time in the state I was in. The first overdrafts were paid off, but I was unable to pay the second at the time. The bank ( XXXX XXXX  ) had been working with me, but I suddenly received a notice in the mail that I had 1 day to pay off the balance or the account would close, and was unable to in that time. It took me a bit to get re-employed after the medical issue, and I was attempting to open a new account to deposit my paychecks, when I was denied by XXXX separate banks from opening an account. The XXXX said I would be notified within 10 days why I was denied, but I have not received anything from them. A bank XXXX at the second told me that he was not allowed to open an account because there was a problem with XXXX, though he wasn't allowed to even look at any details of the issue. I created an account with XXXX, but the report that I requested wasn't able to be delivered electronically, and said they would send out a paper copy in XXXX business days. I had to do some digging to find the initial problem at XXXX XXXX, as I had not received any information from them after the account closure that my account would be sent to XXXX, and I had never received anything from XXXX until trying to open the new bank account. I was planning on paying the overdraft debt ( with money from my paycheck which now could not be deposited at almost any bank or credit union ), but upon doing research found that I could still be denied a new account at most banks for 5 years even if it was paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, XXXX XXXX XXXX laced my credit report with Lexis Nexis a false fraudulent entry. The cra fraud by Lexis Nexis & XXXX XXXX XXXX is a XX/XX/2019, my XXXX XXXX XXXX  claim against XXXX XXXX XXXX is on MY CREDIT REPORT and it does belong on my credit report. This XXXX ( XXXX XXXX was his insurance company ) XXXX XXXX XXXX  intentionally. 
Get this false entry off all my credit reports immediately FCRA.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an installment account under an open end consumer credit plan as late for XXXX  purpose. 

So I want my late payments removed from my credit report. My privacy has been violated and I did not give XXXX XXXX my written consent to share this information on my credit reports
Product: Checking or savings account

On XXXX XXXX XXXX XXXX, XXXX withdrawals took place from my Wells Fargo checking account XXXX XXXX of them for {$480.00}, and XXXX for {$43.00}, for a total of {$1000.00}. I had just finished a class that I take on XXXXXXXX XXXX XXXX every Saturday when I received the notification of the bank stating the withdrawals. I immediately went online and blocked the account and contacted Wells Fargo to notify the fraud. After completing the call with WF I placed a report with the gym manager on duty. I suspected that my card had been cloned at the parking garage that the gym uses for their members. I showed the gym XXXX my ATM card telling her how the transaction had just happened with my debit card in my possession. She took the information and said that the garage was an independent entity but still was going to inform management of the event. I also placed a police report of the same day of the crime. ( Tracking # XXXX. ) The next Friday I contacted WF to ask about the status of the claim because I had not received any updates regarding the fraud. The Wells Fargo representative stated that the claim was denied and that I was not going to be reimbursed since the withdrawal was made with my physical debit card. I requested an escalation of the issue, stating that I had ways to prove the card was in my possession at the moment of the fraud. I gave the representative many details that proved the transaction was a fraud. On XX/XX/XXXX, I called XXXX to request an update on the investigation and they said that the case had just been assigned to a case manager who was going to make the investigation. I received a letter dated XX/XX/XXXX, stating the claim was denied but this time it was because my PIN number was used with the transaction, meaning I had authorized the transaction. In spite of all the information I provided WF proving this was fraud. they did not conduct any investigation, The case manager had my case in her hands XXXX day and quickly proceeded to deny the claim without conducting an investigation, in spite of me having proof the this was a fraud.
Product: Money transfer, virtual currency, or money service

I've had a cash app account for several years. 

I received a cash app debit card prior that has since expired. 

I reached out to cash app because the app no longer allows me to use my address. My address is a general delivery address which is a service offered by the USPS for people who have hard time receiving their mail. I am low income and have problems receiving my mail.

When I initially ordered a card through cash app they had no problem sending it to the same general delivery address.

After reaching out to cash app several times speaking to supervisor and even after exhausting using the XXXX XXXX XXXX cash app refuses to send me a card or help me. 

It is worth noting that throughout my initial support conversations cash app told me numerous times that I did not have a card associated with my account even though I sent them photos of my card. They habitually denied me even having an account. This is highly unprofessional. 

The XXXX  referred me here. Cash app continues to give me the same copy and paste responses in every single email that does not address my problem. They keep saying that they can not deliver to po box es even though I've made it inherently clear that I am not a recipient of a po box . I pick my mail up at the counter and if they would just deliver it to the address I input they would accept it. This is how I've always picked up my mail. It is not in cash apps policy anywhere stating that they do not deliver to general delivery addresses. And as previously mentioned I have received a card already from cash app at my general delivery address.
Product: Credit card

XXXX XXXX Commenity Bank- If you wish to receive a paper statement they are currently charging customers XXXX per month. This seems a little ridiculous. They want you to use their credit card - but if you want a paper statement XXXX. It seems like they are shifting their costs of doing business to the consumer. Where does it stop. I get so many emails - things get lost, things get dumped into spam. I like an old fashioned paper statement as a reminder.
Product: Debt collection

XXXXXXXX XXXX  XXXX ( XXXX ) attempting to collect amount for services at hospital emergency room visit in XXXX Florida. 

I had medical insurance and submitted insurance card at time of visit. 

Bill was submitted to me with no explanation. I responded to their request and sent them my insurance information once again. 

Several month went by and I started getting calls from XXXX. When I contacted them and stated that the bill was submitted to the insurance company and I had never received a stated saying I was not covered and my co-pay was covered. 

The collection agency stated that it was turned over to them and they were not going to contact the insurance company. 

I submitted my information to the hospital billing department and never heard another word from them but continue to be harassed by XXXX. I get no less than one to two phone calls per day to my residence and monthly bills to my residence. This has gone on for over ( 3 ) three years. 

When asked for an itemized bill to explain how much the insurance company has paid and is this my responsible portion I get nothing but canned statements that they are attempting to collect a debt, that is all and am I refusing to pay this debt. i comment that this debt IS NOT MINE. Once again this was a visit to the emergency for an XXXX XXXX and they gave me a prescription for XXXX or something like that. Not an extended stay/xrays or lab work. My co-pay was ( {$20.00} ) XXXX  XXXX  per my insurance coverage.

I have since ( a ) relocated from my temporary XXXX residence where I was working. ( b ) changed companies I work for and do not have the previous employers insurance card anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr. XXXX XXXX XXXX has reported to my account 30days past due I have made payments to my account twice in one month, my account was garnished from student loans that put me behind however when I did pay they would take my checks if my check did not go through they would hold the check and fraudulently forage my account and keep resending it to my bank with out my permission every week until they get there money, also if Im past 30days they post huge envelopes on my door and take pictures of my home, like theyve already sold it, I called to talk with XXXX team they where rude the lady wouldnt give me her name and direct line to contact she also made a state ment ( we are very familiar with cfpb and we are not doing a recommendation to fix ur credit score ) I asked her why wasnt it on my credit score for last month that I was late she said because they report the end of each month but I told her I shouldve gotten it by the XX/XX/XXXX she couldnt answer that it says I went from 60days to 30days which is a ly I should b current I owe  XXXX from XX/XX/2019 current and my account is still reporting negative 30days! Its harassment and fraudulent activity going on with this company and it needs to stop! I want a new mortgage lender I should not have to put up with this company I am paying my hard earned money and I am not satisfied at all with the services
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received an unauthorized hard inquiry from XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/2021 I called XXXX XXXX  XXXX XXXX XXXX and they notified me that they had no record of an inquiry or an account associated with my information/SSN and I would need to dispute the inquiry with Equifax. 

On XX/XX/2021 I submitted a dispute over the hard inquiry through Equifax. 

On XX/XX/2021 the results of my dispute were " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' On XX/XX/2021 I spoke with a customer service representative at Equifax and was told I would need to call XXXX XXXX  XXXX XXXX XXXX to have them send a deletion notice to Equifax to have it removed. 

On XX/XX/2021 I called XXXX XXXX XXXXXXXX XXXX XXXX and was told that since I have no account and they have no record of an inquiry that there was nothing for them to delete and I would need to call Equifax and speak with a supervisor to have them delete the inquiry. 

On XX/XX/2021 I called Equifax and was told it was a fraudulent inquiry and I would need documentation from the FTC or a police report to have the inquiry removed since XXXX XXXX XXXXXXXX XXXX XXXX was not cooperating with providing documentation. I have put a freeze on my credit report and an initial fraud alert in place.
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. 

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, 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: Debt collection

when I say prince parker on my credit report I contacted them immediately I was told that they were sending proof of the legal validation letter the sent to me never came