23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have other documentation from other companies related to my Equifax Credit Report based off of my Equifax Credit Report Equifax have breached the fair credit act law and I feel the need to seek legal damages financially in {$100000.00} I want arbitration started I have other documentation from other companies related to my Equifax credit report based off of my Equifax credit report Equifax have breached the fair credit act law and I feel the need to seek legal damages financially in {$100000.00}. I want arbitration started Equifax do not have my permission to further any investigation related to my account. 

I want Equifax to lock and block my account. Equifax do not have my permission to continue working on my credit report. Im done. Im seeking legal action of you and I will be contacting my lawyer. Im gon na sue you. I got evidence from a company that shows you breach the fair Credit act allow Im seeking legal damages, punitive damages, emotional distress, damages, pain, and suffering damages Stop working on my account. I want it blocked today. Equifax dont have my permission to contact none of my lienholders. Equifax. Dont have my permission to make contact with none of my credit card company. I wont this matter before an arbitration ASAP. This week Im gon na sue you and I got evidence.

And Im also going to get my lawyer to file complaint on you for denying me my legal rights for arbitration I want the arbitration information and I want it today and I hope somebody get fired Im gon na sue you
Product: Student loan

I received my statement on XX/XX/XXXX indicating that my payment due was {$180.00} and due on XX/XX/XXXX. I made my payment of {$180.00} on XX/XX/XXXX. Then received notice of my account being past due. So I logged in and see that they sent a digital letter on XX/XX/XXXX indicating that they recently sent me a letter to let me know that the deferment has ended for the rest of my loan payment of {$170.00} was due on XX/XX/XXXX. I didnt receive the letter they are indicating and o even went back and checked the statements and documents in my account. This was not indicated on my monthly statement showing my payment due and was sent to me after my payment posted and only 2 days before they wanted payment. I paid the due balance so that my account would not be in default but with it being the holidays this resulted in a hardship for my family. 

Additionally their website is not mobile compatible as statements and documents will not open on a mobile device. Also nothing makes sense on their website and is not set up in a clear way to understand. When I logged in to make my payment it had said the remaining loan was in deferment until XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent my sister XXXX. She sent it back because she thought she no longer needed it. 
On XX/XX/XXXX, she asked for it again, when I went to send it, cash app flagged it as fraud ; and said they were holding my money for 3 days, then returning it. 
Cash app withdrew XXXX from our account. ( XXXX plus fees ) and never returned my {$510.00}. Ive called, inboxes support, and all they said was that they have no further information. 
I disputed with my bank since we are almost in May, and cash app is challenging the dispute! 

They sent my bank receipts for the 6th, and lied and said my sister cashed out. However, the transaction she cashed out is merchant token : XXXX, I am disputing merchant token ; XXXX. 

My question is where is my money? They refuse to give it back, and dispite not having an answer for me.., why are they lying to my bank? 
Did an employee keep my money? When I spoke to an employee XXXX he never answered and just repeated that my money would be returned in XXXX business days from XXXX but we are in XXXX! 

I have attached the conversation with myself and cash app, plus the lies they sent my bank. 
You willl see these are two different transactions and that they NEVER address my concerns that the money was not returned
Product: Credit reporting or other personal consumer reports

I rescinded my vehicle contract with XXXX BridgeCrest, in 2023 on my credit report its still reflecting a balance owed. I contacted them for over a year with no proper response or resolution. I final was told just a few week ago it was closed and they will no longer contact me. Since the contract has been rescinded I am requesting it be removed from my credit report. There is no balance owed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  Account # 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 permissions and instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is violating my rights. 

Account XXXX XXXX XXXX This account was removed from my XXXX reports and should also have been removed from Transunion . There are also factual errors and I am in my legal right to request deletion of this account from my reports. 

Last Verified Date -- Does NOT match XXXX, XXXX removed this account Date of last activity -- Does NOT match XXXXa nd this account no longer shows on XXXX! 
Date opened -- Does Not match XXXX and this account no longer shows on XXXX! 
Closed Date -- Does NOT match XXXX and this account no longer shows on XXXX! 
Account XXXX -- Does NOT match XXXX and no longer shows on XXXX! 

each error can result in a fine against Transunion at {$1000.00} each. I demand with my legal right that this account be deleted from my report.
Product: Credit reporting or other personal consumer reports

I am contacting XXXX in regards to Case # XXXX that was submitted on XX/XX/year> through CFPB regarding XXXX XXXX. XXXX has stated they have investigated and marked my report as verified/acceptable. I am now asking XXXX for verification of method of investigation. Please advise XXXX has a 15 day window allowable to provide the method of verification according to FCRA. If not provided within 15 days this will be a violation of my rights and I will seek damages.
Product: Prepaid card

I purchased a Vanilla Visa gift card on XX/XX/XXXX from my local XXXX XXXX with a {$6.00} activation fee. I loaded it with {$500.00}. I used the card on XXXX on XX/XX/XXXX for {$50.00}, XX/XX/XXXX for {$150.00}, and XX/XX/XXXX for {$14.00}. Then I used it again for The XXXX XXXX on XX/XX/XXXX and made a XXXX purchase on XX/XX/XXXX for {$44.00} which totals {$280.00}. When I checked my balance on XX/XX/XXXX it said I had {$0.00} balance and that my card was on hold and that I should call customer service. It should have a balance of {$210.00}. I immediately called the customer service number ( XXXX ) on the back of my Vanilla card and reported that the last three charges that they processed to XXXX XXXX on XX/XX/XXXX for {$25.00}, {$24.00} and {$160.00} were all fraudulent charges, they totaled {$210.00}. 

They assigned me a case number XXXX and emailed me a dispute case claim form with my case number and for my signature on XX/XX/XXXX. Upon opening the file, my name was not accurate. It clearly states the form must be received in order to process the dispute. It also states that if any of the information listed on the claim form is inaccurate, Im to send an email to XXXX with my case number in the subject line and to include the details that are inaccurate in the body of the email. I emailed that information on XX/XX/XXXX to XXXX. 

On XX/XX/XXXX I received the same claim form asking me to sign again, I did not because my name was still inaccurate on the claim form. I did not sign or summit it. 

On XX/XX/XXXX I sent a follow up email to them asking if my email, addressing the incorrect information was received. I also explained why I couldnt sign the form. I asked for them to reply. They did not. 

I called the number on my card ( XXXX ) again on XX/XX/XXXX and the customer service did not help me. They couldnt give me any information regarding my claim. 

On XX/XX/XXXX I received the same claim form again, still inaccurate. I called on XX/XX/XXXX and was unable to be connected to any customer service representative. 

At this time, I have no options to move forward and Im still unable to sign the claim form because its not accurate but states that it has to be signed and submitted to process my claim.
Product: Debt collection

2 HSBC bank collection accounts appear in my credit bureau. They state that in XX/XX/2019 these accounts under my name have a balance receivable. I never had a balance in these accounts. These charges were made fraudulently by someone who stole my identity. On this date I was traveling outside the United States for a family emergency. XXXX attached my identity theft report to them and they ignored it. They sold this account to another collection company and at the same time they maintain the same balance in my credit bureau. 

It is unacceptable that if this account has already been sold to a collection agency, the HSBC Bank account continues in my credit bureau. The account that should be there is that of the collection company to which XXXX sold the debt for me so that I can also claim the closure of this account from them.I will re-attach my identity theft report. 

Company to which they sold my debt. But you are the ones who update this in my credit bureau, not the company in question Company sold XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Mortgage

I have called several foreclosure specialist in the past 6 months and sent messages to Wells Fargo and they come back to me telling me to contact the foreclosure specialist. 
This should have ended a long time ago. I talked to various people there and they said they would get back to me but nothing happened. 
Someone last week told me to contact XXXX XXXX?????? as my house was made or formed by their company????? 
I stopped calling them 3-4 days a week because nobody called me back, I did get a call from an XXXX but did not catch his last name. 
He said a large envelope was sent to me in the mail, i said i did not get anything like that. Every week or every other week i get a 2-3 page letter telling me they are still working on my situation. My only income is social security. If i had a few XXXX dollars to move everything and some extra maybe it could happen!!!!
Product: Credit reporting 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 use 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 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 Report containing any of the following items of information or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Product: Credit card or prepaid card

In XXXX of 2021, I had been searching for credit cards with good Welcome Offers since I had big purchases coming up. On XXXX XXXX, 2021, I noticed a great promotion for an American Express Gold Card. I returned to the website on XXXX XXXX, 2021, and saw the same promotion - spend {$4000.00} in 6 months, and receive 75,000 bonus points. However, American Express is now claiming that the offer is to spend {$5000.00} in 3 months. I contacted American Express ( Customer Service Rep : XXXX, XXXX XXXX XXXX ), and they haven't provided any proof of the latter offer. Nonetheless, I obviously did not take a screenshot of the promotion the day I signed up. But a basic web archive search confirms the promotion that I signed up for. I would not have been able to spend {$5000.00} in 3 months, and I know for a fact that it was {$4000.00} in 6 months since it would give me more time to meet the bonus offer. I'm honestly shocked that American Express would suddenly change my offer after I had signed up. I definitely did not receive proof of the bonus offer with my Cardmember Agreement, as they claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I regret to let you know my credit file is reporting negative information in regard my amazon account. My account is reporting unknown payment status for  XXXX     2017. I 've  been making payments for this account and I 've never been late, therefore this " unknown payment status '' is hurting my credit report. So, Im kindly requesting an update to my file.   Thank you
Product: Vehicle loan or lease

On XX/XX/XXXX my husband, XXXX XXXX and myself, XXXX XXXX started a 3 year lease. Everything went as planned with on time payments per our contract until late XX/XX/XXXX. We decided we wanted to purchase this lease vehicle with a loan. We tried to finance a loan with XXXX bank, but they explained they do not provide lease buy out loans. We then tried XXXX XXXX XXXX  with took an application on XX/XX/XXXX. After lots of calls and difficulties we found our from their Regional Loan Manager XXXX they also don't provide lease buyout loans either. 
On XX/XX/XXXX I called XXXX Kia in XXXX to ask if they help with financing lease buyout loans. XXXX, their representative at the dealership, said they would be happy to help us. We drove about an hour to visit them for XXXX and the Manager to explain XXXX XXXX didn't want the dealership handling these loans and they gave us a service line of XXXX to get a loan by phone. We called only to be told Kia doesn't offer lease buyouts. This has become absurd as all we are trying to do is complete our lease with the purchase of this vehicle. How is it legal for our contract to say that we can purchase this vehicle if Kia Finance is blocking us from executing this part of our signed contract with them? At the very least this is bad business, but I suspect that it is borderline fraud given that we have completed our obligations but Kia refuses to help with selling us this vehicle. At the very least you would think Kia representatives would be trained about how to properly service their products given that the dealership gave us wrong information. The service representative on the phone offered us a way to extend our lease up to 6 months, but this makes me think this is a known issue that Kia just isn't fixing. I have all the relevant documents, dates of calls, and all the leg work it has taken to discover this issue. Please at least attempt to see if you can help with this issue. XXXX XXXX
Product: Debt collection

I received a call from someone at Cawley & Bergmann, a supposed collections agency. I keep an eye on my collections because my husband and I are trying to pay down debts to buy a home. I have NO debts to this company or a previous company. I refused to provide information to the caller since they wanted to verify my identity and I have no knowledge of this company. The phone number they called from was clearly spoofed.
Product: Credit reporting or other personal consumer reports

I have been sending letters since last year requesting that the information from XXXX XXXX be verified and updated on my credit report due to all 3 credit bureas reporting different information. When I initially made the request, I asked that they send me the proper documentation to have for my records showing the information was either updated of removed from my credit profile. I received nothing other than a letter stating the information was validated and will remain on the report. I pulled my report recently and noticed the information was slightly updated but was not done so correctly. There are several violations within the information that is being reporting on my credit profile from XXXX XXXX. I will be providing 2 copies of my credit report just to give you a visual of the changes that were made but are still invalid. For example XXXX is reporting the account was opened on XX/XX/XXXX. However, Experian and XXXX are reporting the account was opened on XX/XX/XXXX. Also XXXX and Experian are reporting the balance owed is {$7800.00}. While XXXX is reporting the balance owed is {$7900.00}. XXXX and Experian are reporting the account is a repossession, yet XXXX is reporting the account as XXXX 120 days. XXXX and Experian are also reporting the last day active as XX/XX/XXXX, while XXXX is reporting the last day active as XX/XX/XXXX. Even down to the 2 year payment history, the information is all over the place. I have been contacting the company, the credit bureaus and still have not received any proper assistance. This account is affecting my financial ability to obtain new credit. Which is causing issues in my every day life. As a consumer I have exhausted all of my options to get this matter rectified. I am requesting this account be removed from my credit report.
Product: Money transfer, virtual currency, or money service

Around XXXX  of last year {$600.00} was missing from my account and it sent to somebody I had XXXX once before but I DID NOT send him a XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1400.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed Westlake a certified letter, receipt number XXXX XXXX XXXX XXXX XXXX XXXX, and they completely ignored me. On XX/XX/year> I mailed another certified letter requesting the documentations, they ignored me again.
Product: Debt collection

Account was fraudulently opened with XXXXXXXX Virginia Region and placed into collections with Belin-Wheeler Inc . I was notified by XXXX that a collection account appeared on my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

This account is fraudulent. I did a settlement with Mariner, and I do not owe Mariner any balance. I did an online dispute with XXXX, and they did not address my request for the removal or XXXX balance on negotiated account. 

When I disputed, they changed the reported balance from {$460.00} to {$230.00}, instead of a XXXX balance.

They continue to affect my score and as per the Fair Credit Reporting Act and my financial counselor this is illegal practice.
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 XXXX XXXX XXXX XXXX dismissed 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

Received a call that left a voice mail message about PFC Number was XXXX XXXX XXXX. In the message they said to look up online aboutPFC.com No indication of who they were looking for, or what the debt was. Checked my credit report and found there is no negative information on it. Also, I have no unpaid debts. 

Does n't sound like a legitimate debt collection agency at all!!!! 

Also I have received no notices for debt collection. Nothing absolutely nothing in writing. 

Made several calls to the number given and always straight to voice mail due to " high call volume '' Seriously? A debt collection agency so busy with people calling in to pay their bills that they ca n't answer the phone? 

This must be a total scam and a fraud. 

This morning I looked up online and there was a local number in the XXXX area code. So I called that and they refused to confirm that they actually knew my name or to tell me what the issue was. I told them to call me back and identify the issue and who they were looking for if they wanted to get it resolved. 

The lady on the phone insisted that I give them personal information over the phone to prove I was the person they were looking for. She said I should call back when I was ready to resolve the issue. Too busy to even call me back? What kind of scam operation is this? 

This is the contact information from the web site : XXXX XXXX : Professional Finance Company , Inc . 
XXXX XXXX XXXX XXXX, CO XXXX CORPORATE OFFICE : Professional Finance Company , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX GENERAL INQUIRIES : LOCAL : ( XXXX ) XXXX TOLL-FREE : ( XXXX ) XXXX IF YOU OWE A BILL : ( XXXX ) XXXX FAX : ( XXXX ) XXXX OFFICE HOURS : Pay a bill in person : Monday - Friday XXXX XXXX - XXXX XXXX Pay a bill over the phone : Monday - Friday XXXX XXXX - XXXX XXXX