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

I made four orders on the website. One XXXX XXXX order was returned to sender and i never received it. I was never credited for it. I Complained and sent documents to Klarna. I also spoke with XXXX XXXX and they said they already processed my refund. Klarna says they have no record of the refund. I also returned an order from XXXX XXXX, and they emailed me XX/XX/2023. I notified klarna and they are refusing to refund my money. They will not close my account and keep Automatically taking money from my bank without my consent. Lasty, I ordered items from XXXX XXXX XXXX a pair of pants did not fit so I returned them. They are refusing to refund my money with this order as well. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I put {$5000.00} on a secure card with US Bank to rebuild my credit. They know these cards are intended for that purpose. 

I pay off my card in full each month for 4 months. 

On the XXXX month, in XXXX 2021, I paid it off in full and they CLOSED the account. I called and asked them why and they said they did not recognize the bank account ( XXXX XXXX  ). I mailed them my statement and they re-opened my account after a week. 

I asked them to update to the credit reporting agencies that my account was OPEN and they refused-telling me I had to do it. 

I have send documentation to XXXX XXXX and XXXX XXXX and still the report shows my account as closed, lowering my credit score. 

Both XXXX and US Bank are reporting false information and I want this rectified.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I made a phone call to XXXX at XXXX, and stated that I wanted them to remove all addresses that were unmailable/not current. They stated that all addresses were removed ( with the exception of the current address ). They stated they were handling it right then in real time, and it would be resolved immediately. As of today, XX/XX/XXXX, I pulled a new XXXX report, and there are still 13 addresses on the report that are not current, mailable addresses, and should have been removed. 

On XX/XX/XXXX, I made a phone call to Equifax at XXXX and stated that I wanted them to remove all addresses that were unmailable/not current. They stated that all addresses were removed ( with the exception of the current address ). They stated they were handling it right then in real time, and it would be resolved immediately. As of today, XX/XX/XXXX, I pulled a new Equifax report, and there is still 1 address on the report that is not a current, mailable address, and should have been removed.

Violations of XXXX XXXX and Privacy Act of XXXX.
Product: Payday loan, title loan, or personal loan

This company charged me a usury interest rate of over 400 % in which I was not aware of, their collection agency has consistently harrassed me, after I, have told them to stop ... because my XXXX year old wife if  sick. I told them that the usury interest rate of 400 % is illegal and to remove their name from my credit report for this illegal activity..Their name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX, KS XXXX Phone XXXX Fax XXXX
Product: Debt collection

Conserve appeared on my credit report with at absolutely no notification. Appeared outta nowhere. Never even heard bout them prior. No letters no bills. They refuse to acknowledge who they are and or any documentation that proves I owe something my signature or anything else. At first the amount was different ( {$900.00} ). The year it was supposed to come off my my report ( XX/XX/XXXX ) and it didnt display and end period. Now on my report still without any notification ( letters ) they changed it to a monthly bill, they changed the removal date to XX/XX/XXXX and now it's {$1200.00}. Who are these people? I never had an agreement with them. Never talked to them. No letters. nothing. How? When I disputed it I can bank updated and verified. How?? You never spoke to me?
Product: Credit reporting

I SENT LETTER TO XXXX ON XXXX/XXXX/2015 AND NO RESPONSE.
Product: Debt collection

XX/XX/XXXX I recevied a call from " Alltran '' at my desk line. I advised her that I was not to receive calls like this at work and would she please send me a letter. My identity has been stolen before and my personal information compromised, so I do not do anything over the phone. She said she needed to verify my information and was incredibly rude. I sais please do not contact me at work, please send me a letter and goodbye. Immediately after hanging up our receptionists desk phone began to ring and Alltran was attempting to get in touch with our HR department. She has made repeated calls to HR since XX/XX/XXXX to verify my employment. Our company policy is that no verification will be made without the employees permission. Alltran was advised about the company policy by HR.

They have been calling non stop since XX/XX/XXXX. This morning, XX/XX/XXXX they faxed a request for employment verification. The fax cover sheet also indicates that the communication is from a debt collector- which is ILLEGAL. My HR forwarded me the fax. They are now not only harassing me, but also my employer. I have received no written correspondence regarding the matter.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blockedXX/XX/XXXX please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

I was tricked by XXXX and TD Bank to create a XXXX financing application for obscured reasons. 
Following my application on XXXX, TD Bank issued me a credit card that is not acceptable anywhere including on XXXX where the application is forced to customers. When I tried using the account, XXXX declined the transaction and requested me to use another credit card. I asked : Why was I requested to provide my Social Security Number to create this account? The company never responded to my request. Soon after, I filed a complain against TD Bank. A Credit Team Manager named XXXX XXXX XXXX called me on XX/XX/XXXX claiming that it was merely a technical issue. She promised that everything will be taken care off. As of right now, my emails have been been flagged by TD Bank and I can't communicate with anyone. Similarly, the company, XXXX, is complicit of of the problem and also flagged my emails to the point that I can't communicate with anyone. 

I am saddened and devastated to know how these companies can betray customers like me just to fill their books. My personal information was obtained to create a credit card account that I have no idea what it was/is for. My credit score was altered and I now have a fictitious account on my file. I am certainly sure that many other people were tricked the same way. I claim this because a XXXX representative told me onXX/XX/XXXXthat I was not the only person complaining about this issue.
Product: Credit reporting or other personal consumer reports

I am writing this complaint regarding an account that I have disputed consistently furnished by XXXX XXXXXXXX XXXX An investigation was commenced by TRANSUNION because I filed a complaint to the CFPB reference number : XXXX. The complaint was about my demand to remove the XXXX XXXX XXXX XXXX for the persistent reporting of inaccurate account information reporting on my credit reports. today XX/XX/XXXX, I recently received a up consumer disclosure report from TRANSUNION with new and updated information regarding the account with XXXX XXXX that was in dispute. The account that TRANSUNION reinvestigated came back once again verified and updated bearing the same inaccurate information I disputed initially. They are verifying inaccurate information which is why I demanded for the tradeline to be deleted from my credit report initially. TRANSUNION is not complying with what I have requested. I wanted the account removed because they keep reporting it inaccurately. They are violating my federally protected rights and continues to state that the account has been verified as accurate when in fact it is not. I have already described to them in details what the inaccuracy was. This account is still reporting inaccurate late payment notations which continues to state that I was 120 days late for both XX/XX/XXXX and XX/XX/XXXX. " 120, 120 ''. This is misleading and INACCURATE. I want this account deleted from my credit report immediately. A person can not be 120 days late the very next month because the number of days increase every 30 days which should have stated " 150 '' days late reported as " 120, 150 '' not " 120, 120 '' this is wrong and a violation of the FCRA section 605. 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days receiving a consumer 's dispute. I would like to know what was verified and updated. Can you send me a description of what you verified regarding this account? XXXX XXXX XXXX | Account Number : XXXX. Provide the description of the procedure used to reinvestigation this account. If you can't, delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sent bill in XXXX XXXX. I engaged attorney XXXX XXXX XXXX in XXXX XXXX WA who sent a letter along with my own check to XXXX XXXX. Ms. XXXX ( XXXX ) also got in contact with XXXX XXXX management regarding the account. On or about XX/XX/XXXX XXXX referred the account to collections with a XX/XX/XXXX date which made no sense. I closed any and all accounts in XXXX XXXX and XXXX had my attorney contact for any further issues. Ms. XXXX reached out to XXXX XXXX attorney regarding the account. I wrote to the collection agency advising I paid the bill. I am unable to obtain a copy of the check because it was drawn on XXXX XXXX  which closed in XXXX XXXX. They were taken over by another bank. It is near impossible to contact them by phone, there is no online access to the account and all statements were electronic so I have no bank records. I only have my attorney 's office confirming payment for the account. Neither XXXX, nor their attorney nor the collection company responded to my letters. I wrote to the credit agency with copies of the contacts and two of the three cleared the negative credit collection after their ow investigation. Equifax will not, they have advised as of today that they were able to confirm the account as valid. No one provides me any documents or communications as to what account and why nor a response to the payment previously made by my attorney 's office. I can not get a home loan, all my current loans and credit cards have higher interest as reflected by the collection. The original bill was related to a situation where I am protected under XXXX XXXX. I moved out due to XXXX XXXX situation and my attorney provided all relevant documents to the rental agency XXXX XXXX attorney. We never heard from XXXX that this or any other bill was due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out muti times to Equifax about XXXX XXXX sharing alleged private transactions with affiliates third parties without my consent or making me aware of their intent to share any private transactions. I have a right to privacy and you violated me for the last time. Send me Document that shows me I am LEGALLY OBLIGATED to pay this alleged debt with my wet signature. Also send me proof that I gave anyone at XXXX XXXX to share any private transaction to any third party written or verbal. A simple answer of been verified doesn't constitute an appropriate legal nor lawful response and remove all account from all consumer reporting agencies list in uploaded file
Product: Credit reporting or other personal consumer reports

XXXX reporting a debt that is not mine. Collection company failed to provide debt verification documents,
Product: Money transfer, virtual currency, or money service

Text Message XXXX ( XXXX ) XXXX " Chase Online : Report XXXX ( XXXX XXXX ) ( XXXX ) Your Online Banking has been temporarily restricted. Please visit XXXX XXXX  XXXX to verify your account. 

I don't have a Chase account. I deleted this!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened up a secured credit card on XX/XX/XXXX with XXXX XXXX XXXX for {$4000.00}. I would pay off the credit card every month on anything I charged. When I decided to close the account I use the secured funds to pay off the balance. Months later XXXX  XXXX XXXX came back and said that I owe them {$5000.00}. I showed them paperwork proving that I paid off that account as well as sent it to XXXX credit file. They charged off this account in XX/XX/XXXX and have left it on my credit report. I have received nothing but the run around by both the credit reporting agency and the creditor.
Product: Debt collection

XXXX XXXX contacted me via a phone call on XX/XX/year>. He is a representative of Stuart Lipman Allen and Associates , Inc. He stated that a debt was owed to XXXX XXXX XXXX. He could not provide me with any details about this claimed debt owed. I asked in that conversation, verbally to have his company send me proof that they have a right to collect on that debt, and also to provide me validation of what the debt was. I stated that I had asked XXXX for the same information and they had not complied, and now this debt was passed on to a debt collector. I signed no documentation for any debt with XXXX, nor took any loans. I then mailed this same request to Stuart Lipman Allen and Associates , Inc. on XX/XX/year>. They again, did not comply with my request for validation, providing no documentation. The company then did place a credit report collection on my credit. I then again called this XXXX XXXX individual and requested they remove this collection reporting because they had not provided me with any proof or validation per my request and I am protected by law. They did not comply, and have since continued to report this collection debt on my credit. I need help to stop them from this illegal and false activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

***SEE ATTACHED PDF FOR FULL COMPLAINT*** ***DO NOT IGNORE OR MARK THIS COMPLAINT AS FRIVOLOUS*** CC : Georgia Attorney General, CC : Consumer Financial Protection Bureau , CC : Federal Trade Commission, CC : XXXX XXXX  XXXX. Equifax, You have caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. You have also caused me severe stress, which has caused me to go seek medical attention due to your inaccurate reporting & failure to properly verify. I have no other option but to seek legal remedy to help repair the damage you have done both mentally, physically, financially, and emotionally.
Product: Credit reporting or other personal consumer reports

By Law, they need to provide proof that they either sent me an email or mailed out a letter 21 days prior to said due dates of missed payment. They also need to provide me the proof that they either sent or emailed me the option to opt out before they released this on my consumer report. The only thing they sent proof of were said dates of payments that were late. 
Due to Laws, 15 U.S. Code 1666B, without that proof they are violating that law to put this on my consumer report. with - 15 U.S. Code 1681a ( 2 ) ( I ) they may not report transactions or experiences between consumer and person making the report. 
- 15 U.S. Code 6802 - Obligations with respects to disclosures of personal information.

This company is breaking multiple consumer laws and if this is not reported and fixed on my consumer report I am asking they delete all the above late payments from my consumer report, and change them from late to PAANL ( Paid As Agreed, Never Late ). Failure to respond with correction of the account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for each law stated above.
Product: Payday loan, title loan, or personal loan

XXXX /2014 I applied for a business line of credit with wells fargo and was told the application was denied! A few days later I get a call from a upset business manager, who told me that the loan notes included racist information about me and me co signer! stating that I was a younger   XXXX   women and he was a older  XXXX  nice male that just wanted to help, but maybe getting took advantage of! because of this I know my loan was denied! the business manager also said that we were approved for a credit card which was never offered to us as a option! the business manager wen on to say that she reported it to the branch manager which nothing was said to me or done for me to make this right! the man they say I was taken advantage of is the father of my child and we still to this day have a relationship. It was never none of there business my color, age or relationship to my cosigner. I did contact a lawyer about filing a discrimination suite but was unable to afford it and just out right did n't know what to do! I do know wells fargo is prejudice and a very unfair bank! the loans specialist do not receive any consequences for her actions and I was unable to get my business up and going without the loan!
Product: Checking or savings account

When my ex-husband left me ; he left the BB & T account in a negative balance. At the time I had no access to the account. I was only a signer. I had my own personal account at the time. I received notification that my personal account would be drafted unless the account that my husband used was paid off. I immediately took head and begin to pay this account off. I paid {$20.00} a week for almost a year to get it cleared up. I took care of the account ; paid it off in hopes that everything that needed to be done with this account was clear. I managed to keep my personal account in tact. 
Early XX/XX/2018, I tried to open up a new account ; I couldn't open it because of this old account. The reason was that this account was closed and charged off by the contributor, in whole or part and or account abuse. 

This is the primary reason why I can not open a new account. I filed a dispute in XX/XX/XXXX, it was updated as paid BUT the reason did not change. After explaining this to BB & T and potential banks ; THEY STILL have not updated it correctly. I feel at this time ; this negative should be removed my consumer report ( XXXX   XXXX XXXX and XXXX XXXX ).
Product: Mortgage

Ok Im escrowed in and on XX/XX/XXXX ditech sent out XXXX dollars to XXXX County tax office. They had the parcels mixed up and paid lot number XXXX taxes instead of lot number XXXX which is mine.. I got 2 notices in the mail that my taxes were not paid so I called and did all the foot work myself to figure out where the payment was messed up and what happen. Well ditech sent out my payment of XXXX dollars on XX/XX/XXXX to pay my taxes and they fixed my parcel number in the system. Now they are charging me for the money they sent out incorrectly and making me pay the difference until the refund from the county comes through. I have spoken to the tax office and they have already refunded the money to lot number XXXX because ditech paid XXXX then her mortgage company paid so they refunded the second payment that came through which happen to be the wrong one. Tax office told me that they have already sent a refund and it is out of there hand and ditech keeps telling me they are waiting for a refund and until it comes through I will have to continue paying the larger amount to cover there mess up. I didnt make the wrong payment so why am I being held responsible for paying for another person or companys mess up.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block ) due to the inadequate customer service and unfair practices, which violate the CFPA. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USED MY IDENTITY TO OPEN FRAUDULENTACCOUNTS WITH MY NAME, SOCIAL SECURITY NUMBER THESE ACCOUNTS LISTED DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA & # XXXX ; s. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.