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

XX/XX/year> Attempts to freeze credit with Experian. Tried to establish acct on line. Feature to auto capture pic of my drivers license did not work. No how to info provided. Could not continue to request freeze. 
Called Experian- deadend- no option to speak to representative. 

Easily requested freeze from XXXX and XXXX I am part of recent data breach - ability to freeze online or by phone should be available from Experian also!!!!
Product: Debt collection

Paypal Credit reached out to me several months ago to resolve a credit balance for the synchrony bank account i had prior to losing my job. Due to their timing i was actually able to settle on the account for less than full balance, it was around {$600.00} that i paid to them. 

Now several months later they are calling me again telling me no payments have been received for a long time, despite me already settling this account. 

I would like them to stop calling me asking for payments on a debt i already settled with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed two accounts with XXXX XXXX XXXX. Please see attached file. The account was closed and paid on XX/XX/XXXX. The statute of limitations on PAYED AS AGREED trade lines is 10 years from the final payment & date closed. On XX/XX/XXXX there was an unauthorized updated which should never have happened to begin with. As a result, the account will continue past the statute of limitations of 10 years. 

I tried to call but the Equifax telephone system is programmed in such a way, that me, the consumer, can not connect with a live person. 

I need all my recent disputes gone over with me by a live person from Equifax so that all the disputes can be addressed. No one has the right to do an update or change a status date to keep information in my credit profile longer than allowed.
Product: Credit card or prepaid card

On XX/XX/2022 I went to a place called XXXX XXXX XXXX where I used my Discover card to purchase a procedure called XXXXXXXX XXXX XXXX XXXX. I went to see my doctors to make sure that this procedure would be appropriate for my age and physical well being. At the advise of my doctors due to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have explained this to the Discover Card XXXX and to XXXX XXXX only to be told they would not return the {$1000.00} I placed on my XXXX  for this procedure. I have been disputing this for almost a year now and have given them proof of all that will XXXX XXXX XXXX XXXX XXXX XXXX 

I have been patient in this dispute and have paid Discover Card for this horrible experience. I need them to return {$1000.00} back to my Discover card and assume that the procedure was never done and due to medical reason the item in question has been a terrible misfortune and through the XXXX XXXX could not be done as it would be a violation of my rights and privacy.
Product: Student loan

In XX/XX/XXXX I began the mortgage process. i found a home in XX/XX/XXXX and was just advised by my lender that in the XXXX XXXX reporting system there is a notation that i currently ow a student loan from XXXX. US DEPT OF ED is NOT reporting on my credit report and has NEVER made me aware of the debt. I called them and was given the number XXXX NO ANSWER but i was transferred to XXXX XXXXl ( think thats the name ) to see about the debt. The total is {$4100.00}. They offered me a 9 month rehab plan BUT that is way too late for me to complete this mortgage settlement. I asked if i could settle or pay a certain portion to bring the account out of collections and the answer was no.
Product: Credit card or prepaid card

I was sent a check for XXXX dollars. They took my money while I was locked up to me it's not just about the XXXX dollars and now they want to tell me it's just XXXX they took way more than that from me. My dad was sending XXXX of dollars and they just keep Taking that's why I didn't cash the XXXX dollar Chek. I plan on getting a lawyer and seeing them. For future reference when you take XXXX dollar from an inmate to them at the time it could be equal to a XXXX.
Product: Credit card

I enrolled in an offer of XXXX XXXX cash back for purchases from XXXX, with my citi double cash credit card. I enrolled the offer on XX/XX/XXXX. The offer expires on XX/XX/XXXX. 

I made a purchase on XXXX using the card I enrolled. The cash back has not posted yet until today. However the offer changed to XXXX XXXX without any notification. 

I reached out to citi bank. Their response is that the offer has been XXXX XXXX  the whole time. It was never XXXX XXXX 

I have screen shots of the offer when I enrolled. It clearly states XXXX XXXX. Citi bank is lying about their advertised offers for their credit card products. 

My whole purchase is about {$4600.00} so I will be missing about {$90.00} for the false advertisement.
Product: Credit reporting, credit repair services, or other personal consumer reports

There seems to be an error on my consumer report furnished by XXXX XXXX XXXX XXXX On my consumer report, there is a late payment reported which is causing damages to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any of the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and XXXX has stated there shouldn't be any late payments? Is XXXX XXXX  attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt out or limit sharing of my credit worthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is defined as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX  has been accepting from me for the past years if under United States Code it is defined as commercial development of oil, natural gas, or minerals? Is there a yield of the investment on the account that's due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my person 's consumer reports needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be returned back to me
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$XXXX}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.
Product: Money transfer, virtual currency, or money service

I had a square business account to accept and process payments for my business. Last week I took a payment. They froze my account and had me ti verify. After verification they told me my account was back to normal and I can take payments again and send money out. An hour later I received a payment and they closed my account and holding my money 2hours after they said I can do so. I I need my money. My name is XXXX XXXX XXXX my email is XXXX. My business is XXXX XXXX XXXX XXXX. I provide XXXX XXXX XXXX XXXX XXXX across the us. Please help sort this out The time stamps in the attachments shows that my account was verified and was marked normal to take payments, and as soon as I received payment the deactivated my account and held my money
Product: Debt collection

I have advised Accelerated Financial Services of of this fraudulent account being reported on my credit file. I have advised them that it does not belong to me and is the result of identity theft. However they have refused to cmply with he law to remove it. I have mailed in a copy of an FTC report. They ignored it and sent icopies of stolen, forged docs to open the account.
Product: Debt collection

I explained in detail I have very little money and will never be able to pay this bill. I asked they stop calling. They have called almost every day for months and months and months. I have had to buy a XXXX XXXX XXXX that I couldn't afford but it's worth it. They are blocked and I don't hear the voice mails anymore. I can tell they are still calling because XXXX XXXX tells me who it blocked. Please ask them to syop calling me. I am not going to pay. They are wasting all of our times.
Product: Mortgage

well, I'm a XXXX XXXX so i missed almost the whole year, loan care said i was approved for modification and haven't heard from them. I am in a bankruptcy with them and they told they will will approved. i heard nothing from them after getting the call like 3 months ago. here is my loan care account number XXXX. The address is XXXX XXXX XXXX XXXX. XXXX XXXX AZ XXXX i can be reached at XXXX my name is XXXX XXXX XXXX
Product: Debt collection

I had an unpleasant experience with a debt collector who used and deceptive practices that violate the FDCPA. They added an account to my credit report without my agreement or wet signature on any legal contract. The collector also failed to follow the proper 5 step validation process, which is required by law. This situation violates my rights and I am entitled to {$1000.00} for each violation under the FDCPA. I am requesting that the debt collection company remove this account from all three credit reporting agencies and compensate me for the violations. If they fail to do so, I will have no choice but to take legal action. The account they're reporting is also reporting inaccurately which is another violation in itsself.
Product: Consumer Loan

I took out an instalment loan in the amount XXXX every month i made a payment of {$110.00} without failed. last month i a payment of {$830.00}, while in the web site they said my balance is {$1900.00} however they made an inacurate report to the credit reporting burea, to XXXX {$2600.00} to XXXX {$2500.00} this is innacurate and they refused to correct the balance due unfair reporting that unnecessary increase my debt to income ratio.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX # XXXX Paid As Agree XXXX  # XXXX XXXX  CARD # XXXX No Category XXXX # XXXX XXXX CRED XXXX XXXX XXXX CRED # XXXX XXXX CRED # XXXX
Product: Student loan

Navient apparently has issues with how they process their debt collection. Never in my life have I - or my wife - had a student loan. However, apparently someone with the same first and last name as me, who happens to live in the same state, has had a student loan, and they decided to not make payments on it. On more than one occasion, Navient has obtained my wife 's phone number and attempted to call me on it, in an attempt to collect a debt I do n't owe. Every time I talk to them, I tell them the debt is not mine. They verify the birthdate does n't match, and they claim that they 'll update their records to remove my wife 's phone number from this other person 's account. And yet, they have n't done it. I 'm tired of getting these phone calls, and I want them to stop.
Product: Mortgage

Hello, You have been quite helpful in getting PHH Mortgage to take action but unfortunately the issue of getting my escrow payments made has not been resolved. 

This will be my 3rd ticket to get assistance. XX/XX/XXXX, I reported that PHH had paid my escrow tax money on the PIN numbers of another unit in my building. ( Taxes due XX/XX/2021 ) They keep reporting to you and me that the issue is resolved but it is NOT. I have submitted tax papers showing the correct numbers and confirmed them verbally yet I received a letter yesterday saying all is well, you are paid up and it continues to show the wrong tax numbers. I can not actually speak to anyone at PHH on the phone and they have not called with an update in 3 weeks now. 

thank you for your continued help XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 items 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, CA XXXX Date Updated : XX/XX/2017 US DEPT ED XXXX Balance Owed : {$480.00} US DEPT ED XXXX Balance Owed : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, CAPITAL ONE BANK USA add a hard inquiry on my credit report per XXXX  and XXXX. On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
Product: Credit card or prepaid card

Had challenges signing on into the accounts. Had to try over and over and over before the system would let me in even though the correct username and password was being used. 

Also on XXXX, XX/XX/2022, twice I called regarding the promotional offer of 3.99 % on all new purchases including online purchases through XX/XX/2022. Not one customer service person saw this offer. No one attempted to locate this offer. I would activate it over and over without success. At first I was told the offer had expired. XXXX would not transfer the call to see what had happened to the officer that would expire on XX/XX/2022, if I did not accept. 

Since opened this account I have been cheated out of these promotional offers. 
My concern is whether or not I am being mislead and deliberately denied the promotional offers that have been made to me. 

The Corporate office is very rude and refuses to talk to me ; so I have to file this complaint once again. There is a very ugly pattern here that may have to be addressed via other means against Barclays Delaware Bank. It appears to be a very common practice to send me these offers and yet fail to allow me to activate and enjoy these offers.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts keep popping back up on my credit after they have been deleted, dispute dates XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX # XXXX
Product: Payday loan, title loan, personal loan, or advance loan

During Covid I reached out requesting payment assistance, deferment or hardship. Schools were closed no real work for substitutes. I had Involuntary Unemployment Insurance with One Main.. I acquired when I secured the loan. I was told it was required. Found out later that wasnt the truth. During Covid the insurance paid my Loan for only a year. Even though Covid was a rare event and I was unemployed for nearly XXXX years. It took that long to secure a job that would help me afford shelter and food. One Main also continues to say my loan is Charged Off for over {$4000.00} plus dollars. Thats not true. I entered into an agreement with One Main on XX/XX/XXXX. I have upheld my part of the deal. I have paid {$320.00} or more on or before the XXXX XXXX of each month. The Settlement Amount {$1900.00}. My final payment on XX/XX/XXXX will be {$240.00}. One Main has pulled a Bait and Switch or Sleight of Hand. I received a letter on XXXX XXXX requesting {$2100.00}. I like the rest of the country a trying to recover Mentally and Financially from Covid. I agreed to pay what I could afford.
Product: Vehicle loan or lease

I paid off an installment loan. 

Fifth Third Bank After the loan was paid off, the online account was immediately closed, and all records were removed. 

The following two days, scheduled payments that I could not cancel because they deleted the account continued to be withdrawn ( one of which I stopped from another bank ). The bank is saying they have no records of these withdrawal attempts, and I have to provide proof from my other bank because they didn't keep records of the additional attempted ( one of which was successful ) transfers. I was powerless to stop these because they had already closed my account. 

In short, Fifth Third Bank succeeded in withdrawing {$1500.00} from my checking account after the installment loan account was closed.
Product: Consumer Loan

We have fallen behind on our auto loan through united auto credit. We moved to a different state to get fresh jobs going. I want to work out a resolution, but when you speak to these people it 's like talking to angry kid that got there candy taken away. They are the most unprofessional people when dealing with them. Not only do they call me in the mornings before XXXX they are calling my family and relaying information about my loan to family. Which I know I have rights and may pursue. They are extremely demanding hateful and rude.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes in light of the recent CFPB lawsuit. When using Zelle and having to report a discrepancy, they informed me that recovering lost funds and tracking transactions was impossible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Consumer Loan

In XX/XX/XXXX my car was XXXX in an accident. My insurance did not cover because the person driving was not covered. I contacted the lender which was Santander to advise them of the accident and they advised me that they would sell the car for parts and see how much they could recover from that then they would provide me with information such as what they received and what i would be liable for after. I never heard from Santander again until months later stating i owed them almost XXXX dollars.This was a XXXX and was not even worth XXXX. They never provided me with any information about the car or any detailed information about what they got for parts. Now they have sold the debt to XXXX and are still reporting this on my credit under Santander as eell as XXXX. XXXX has this debt listed on my credit as a new debt when infact this was opened in XX/XX/XXXX.
Product: Vehicle loan or lease

AC Auto Pay located in XXXX, CO claims that I owe a debt of {$8500.00}. I sent the initial letter of dispute on XX/XX/2018. I demanded proof that the repossession of the vehicle was in legal accordance with the following UCC : 9-506. ) EFFECT OF ERRORS OR OMISSIONS 9-611. ) NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. ) TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL & 9-613. ) CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. AC Auto Pay replied claiming that they sent a NOTICE OF INTENT TO DISPOSE as well as a NOTICE OF SALE OF COLLATERAL AND POSSIBLE DEFICIENCY. On the Notice of Intent to Dispose, the amount owed is {$8100.00}. On the Loan Billing statement, the amount owed is {$8000.00}. On my credit reports, the amount owed is {$8500.00}. As you can see, they have violated the federal law in more than one way. The repossession was not fully in legal accordance with UCC 9-506, 9-611, 9-612, and 9-613. This is a violation of FCRA & FDCPA and the entry must be removed. Furthermore, AC Autopay did not provide proof, bearing my signature on a certified mail receipt that I even received these documents that they allegedly sent via certified mail. I do not recall receiving these documents.

Lastly, AC Auto Pay did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by federal law to place a notice of dispute on the account within 30 days of my dispute, which they signed for on XX/XX/2018 ( I will attach a copy of the signed receipt ). I have retained a time stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30 day period. 
As this company have violated federal law, by not properly providing the credit bureaus with proper notice within the required time frame, and I have evidence of such, via certified mail receipts, they must now remove the item.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX Account Opened XX/XX/XXXX Balanced Owed {$1600.00} Account Number # XXXX XXXX  XXXX Account Opened XX/XX/XXXX Balanced Owed {$430.00} Account # XXXX These accounts do not belong to me, and I have tried to dispute them. 


These inquires below do not belong to me either XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XXXX  XXXX/XXXX  XXXX  XX/XX/XXXX XXXX  XXXX   XXXX XXXX/XXXX