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

I called Avant to request a lower my 29.94 APR but the rep said the only way I can receive a lower APR is if I would agree to borrow an additional {$1000.00}. I feel as though I am being ambushed without any way to get from under this loan quicker. I am a veteran and live on a limited income. I need help getting my APR lowered so I can pay this loan off sooner because they are gouging me with all their fees. I have an amazing payment history which has been on time and I don't know why they can't lower my APR. I feel as though the fees should hlf the amount they are charging. 

See below : FEDERAL TRUTH IN LENDING ACT ( " TILA '' ) DISCLOSURES ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 
29.94 % FINANCE CHARGE The dollar amount the credit will cost you. 
{$2800.00} Amount Financed The amount of credit provided to you or on your behalf. 
{$5300.00} Total of Payments The amount you will have paid after you have made all payments as scheduled. 
{$8100.00} Payment Schedule : You must make 35 monthly payments of {$220.00}, with the first payment due on Friday, XX/XX/XXXX, and each subsequent payment due on the same day of each month thereafter, and a final payment of {$220.00} plus any unpaid fees, charges, and interest due on Friday, XX/XX/XXXX. 

Security : Your Payment Authorization as set forth in Section 3 ( b ) of  this Note secures repayment. 

Late Fee : If a payment is not paid in full within 10 days after its due date, you will be charged {$25.00}. 

Prepayment : If you pay off early, either in full or partially, you will not have to pay a penalty and you will not be entitled to a refund of part of the finance charge.
Product: Money transfer, virtual currency, or money service

My account with Coinbase was locked after transferring money from my bitcoin vault to bitcoin wallet. I was not even sending bitcoin to a third party. I was simply moving my bitcoin in a way that would make it easier for me to monetize depending on what occurred regarding the potential hard fork of the blockchain surrounding the XXXX upgrade. XX/XX/XXXX - CoinBase locked my account. I created a service ticket that day and received an automated response. XX/XX/XXXX - I received another automated message from " XXXX XXXX '' asking if I was still experiencing my problem and to reply to the email with details/screenshots/error messages. I immediately sent an email with screenshots of the locked account message ( see attachment ). XX/XX/XXXX - After receiving no update, I sent a followup email.
XX/XX/XXXX - I have still received no additional communication from Coinbase and sent another followup email. XX/XX/XXXX - " XXXX XXXX '' from Coinbase support emails a mass email at XXXX XXXX that is not related to my problem whatsoever. It is evident from this email that no one from Coinbase has read anything I 've written them to date. XX/XX/XXXX - I catch up on email and read the email sent by " XXXX XXXX '' last night and sent a message back that his response was in no way helpful. I resend the screenshot of my locked account message. XX/XX/XXXX - I have received no communication since my last email on XX/XX/XXXX. I 've only ever received mass mailing communication from Coinbase support 's " XXXX XXXX '' Searching for examples of other people who have experienced problems with Coinbase, I discovered that many individuals have had their accounts unavailable for up to 6 weeks while seeking a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the late payments showing on my account for Capital One Bank USA N which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$15000.00XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$690.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$560.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting XXXX , 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 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. 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

XXXX XXXX XXXXXXXX XXXX  Docket # XXXX This account does not meet doesnt meet FCRA requirements.According to 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 has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/ I made a purchase from XXXX totaling XXXX with an XXXX XXXX AAdvantage credit card from Citi bank. The items that XXXX shipped were not correct and did not work as listed on XXXX website so I returned everything via ups shipping provided by XXXX. 
The order was delivered back to XXXX under tracking XXXX and XXXX. Proof of delivery states that the shipments were received by XXXX on XXXX  XX/XX/XXXX at XXXX XXXX  at " Dock '' by " XXXX XXXX '' in XXXX AZ and XXXX, XX/XX/XXXX at XXXX XXXX  at " Dock '' in XXXX XXXX NV. 
XXXX refused to acknowledge the return so I filed a dispute with Citi stating the same as above. 
Today XX/XX/2023 the dispute was denied on the basis of the shipping info from the original XXXX order. 
I never once said I did not order the items, this dispute was over not receiving a refund on the return of the items. 
Citi has failed to do any sort of investigation or due diligence in this matter before simply denying this dispute directly violating my rights under the FCRA.
Product: Vehicle loan or lease

This is stemming from a few complaints back in XXXX 2017. All in all i was lied to several times over the phone by Flagship Credit Acceptance representatives to coerce a payment from me. I was lied to about their policy of access to the online portal to make payments. To this day i have NEVER been able to make a payment online through their portal, even when i was current. I was lied to by reps about what information i would need to login online, and whether or not i would have access. FCA violated several provisions of the CFPB ( UDAAP ) but using false and deceptive tactics to coerce an individual into paying them money by lying to the consumer and misrepresenting the status of the debt and status of the ability to make a payment. 

Since XXXX I have been trying to make a payment online, and be treated fairly like the other customers of Flagship and setup recurring payments. I have not been allowed to do that by Flagship which is discrimination. Others have the ability but i do not. I have not been able to make any payments for a few months due to this. 

Their entire system models XXXX XXXX 's corrupt system. It seems they are intentionally not allowing me to pay online so that i do not make my payments and they can charge late fees and " per diem '' interest rates daily to make more money. This company is wildly abusing its power as a lender in the USA. This should not be allowed. They then preach you can call in over the phone, but their reps harass you and threaten to repossess the vehicle the next day as a tactic to coerce payment, ( its happened to me several times, so i no longer call because i get abused when i do. )
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 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. I've attached a list of the accounts and collection 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 or collections 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, 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 XXXXXXXX XXXX Credit report HUNTER WARFIELD , INC XXXX XXXX XXXX XXXX XXXX XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX Performance Savings account. This deliberate obscurity and lack of transparency violated the consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practice and failure to fulfill their advertised promises.
Product: Checking or savings account

Capital one promised a certain percentage rate for savings account and failed to hold their end. Percentage savings way less than promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

**XXXX I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : 1. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

**XXXX I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

1. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

**Equifax I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : 1. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Identity Theft XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

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

On XX/XX/2020 Credit COLL added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's credit did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Credit COLL has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.
Product: Debt collection

Revenue Enterprises LLC, XXXX XXXX XXXX XXXX # XXXX, XXXX, CO XXXX. Has continued to contact my Cell Phone, without express, nor written consent via Robo, or otherwise unattended Automated Dialers. Theses calls included, but are not limited to the following dates ; XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 These attempts are in direct violation of TCPA. The prerecorded message discloses that the call is from a debt collector, and has resulted in disclosure to a 3rd party, further violating FDCPA.
Product: Debt collection

XXXX XXXX XXXX XXXX, XXXX, XXXX. XX/XX/XXXX. This CFPB Complaint has been filed to request pursuant to FCRA 608B ( 15 U.S.C. 1681c-2 that you. The XXXX XXXX XXXX agency block information appearing on my consumer credit report that is the result of idenity theft and fraud within 4 business days of you receiving the complaint. This fraudulent inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan opened XX/XX/XXXX Credit Acceptance Corporation under account number XXXX and personal credit card account opened at XXXX XXXX on XX/XX/XXXX under account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of then consumer XXXX 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 made, or initiated by me, All of the aforementioned accounts, collections and hard inquiries are the result of idenity theft and fraud. I have attached copy of FTC idenity theft criminal complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections and hard inquiries are the result of idenity theft and fraud.
Product: Checking or savings account

My family sold a home and the buyer took back XXXX XXXX dollars and put it back in escrow. And my mom the seller recently passed but funds were left to me
Product: Debt collection

I have tried many times to get a proper response from Midland credit Management and they have failed to do that. I provided them with sufficient evidence to prove my case of identity theft and never got an answer from them. I had a trial set for XX/XX/2021 and never got a notification of continuance from them and missed a day of work for nothing. They have committed violations under the FDCPA section 805, 807 and 809. I have sent numerous emails to their agency and lawyer ( XXXX XXXX ) and never got a response from them either. This is very irresponsible and insensitive and is causing collateral damage to my credit report and impacting my life very negatively at this point. As I can not get approved for credit cards or loans because of now years as a victim of Identity Theft.
Product: Money transfer, virtual currency, or money service

i opened a coinbase Acct to buy cryptocurrency bitcoins i invested XXXX i was able to access my Acct until XX/XX/2019 after that peroid i was unable to access my Acct.COINBASE their customer service is worthless. I have been trying for 9 months to get into my Acct with no success. They just send Auto computerized responses by email with no solutions. I WANT TO GET ACCESS TO MY ACCT AND GET MY MONEY BACK.PLEASE HELP
Product: Debt collection

PROFESSIONAL DEBT MEDIATION INC. 
ORIGINAL CREDITOR : XXXX THIS DEBT IS SHOWING IN MY CREDIT REPORT IN THE AMOUNT OF {$4500.00} AFTER CONTACTING THE ORIGINAL CREDITOR. 
THEY STATED THAT THIS IS FOR A BROKEN APARTMENT LEASE. 
OPENED ON XX/XX/XXXX2017. 

I HAVE NEVER LIVED IN AN APARTMENT. 
I HAVE LIVED IN MY CURRENT HOME SINCE XXXX OF 2000. 
THIS ACCOUNT WAS FRAUDENTLY OPENED.
Product: Credit reporting or other personal consumer reports

Im writing your company because your agency is in major violations i did not give consent to report anything on my consumer report i did not receive a notice in advance and i also know that the consumer controls whats being reported we are going public news with all the consumer laws Equifax has violated from reporting illegal late payments to allowing non licensed secondary agencies to report knowing he secondary agencies XXXX XXXX XXXX and according to 15 USC 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.furthermore, i also know for a fact your reporting illegal on my consumer report 15 USC 6802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title 1 XXXX XXXX XXXX XXXX XXXX Please Delete from my consumer report 2 XXXX XXXX XXXXXXXX PLEASE DELETE FROM MY CONSUMER REPORT 3 XXXX XXXX XXXXXXXX PLEASE DELETE LATE PAYMENTS FROM MY CONSUMER REPORT 4 XXXX XXXX XXXX PLEASE REMOVE FROM MY CONSUMER REPORT 5 XXXX XXXX XXXX XXXXXXXX PLEASE DELETE LATE PAYMENTS FROM MY CONSUMER REPORT
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureau is failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of UNCONFIRMED information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please reinvestigate the whole information especially the account type, date opened, balance, comments, and payment history. This information seems to be misleading. This will need to be remove pronto. 

XXXX Original creditor XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance {$900.00} ;
Product: Debt collection

I keep getting harassing calls from the Western Shamrock trying to collect a debt in which I was listed as a reference ( I do not owe this debt ). The local branch manager sent me the Collection and Past due amounts for the person they are trying to collect from and asking that I get in touch with their client. I am only the reference and I do not owe the debt. They keep calling even after telling them to stop calling. I receive correspondence from them. The local branch manager and their employee are harassing and keep calling on a debt that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX Mortgage payment was due XX/XX/2019. I paid the mortgage on the XXXX XXXX which is 29 days after the due date ( Only 28 days in XXXX ). My Mortgage company has filed a report stating I was 30 days late. This is incorrect. 

I queried it with the mortgage company who agreed that it was paid on XXXX XXXX and that it was 29 days late and not 30, but their policy is to report it if it goes into the next month. My Payment history on the web site shows it was paid on the XXXX XXXX - 29 days late, not 30. The statement on my credit report that I was 30 days late is incorrect. It was 29 days, regardless of the mortgage company policy. 

I filed a dispute with XXXX and it was denied by the Mortgage company. I called XXXX and explained the situation and the gave me the FTC number.
Product: Debt collection

My credit report shows accounts I never approved or opened. I ask that these fraudulent entries be blocked and removed promptly.