23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I got a call from a company called XXXX XXXX XXXX ) They said they represented XXXX XXXX for a XXXX XXXXXXXX XXXX XXXX and stated that I owe the balance of {$270.00} and they would settle the account for {$130.00} at the time I was going to schedule a payment but then looked at my phone and got a spam risk notification from the phone number that called me the debt collector did not verify any information did not follow the FDCPA disclosure this is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose so I requested a letter to be emailed and hung up and called XXXXXXXX XXXX for verification that this was legitimate upon talking to XXXXXXXX XXXX they stated they have no record of any accounts under my social security number, I looked up XXXX on the XXXX XXXX XXXX website and they had more than 40 complaints Each one just like the last. I Called XXXX back the representative that answered the phone again verified no information did not use the FDCPA disclosures and discussed the debt with me I advised him that I contacted the original creditor and they stated that this was a paid in full account. The representative said that I had to call the original creditor back and get a letter stating that it was a paid in full account I also asked why they didnt verify information or Follow the FDCPA. The representative said that there were already multiple letters sent I advised him that I was a XXXX at a collection agency and knew that that did not matter the FDCPA had to be followed on any communication from a debt collector. I told him that I would file a complaint with the FTC and he stated that he would take this account out of collections there was no need to file a complaint with the FTC.I ended the call there but its very worrisome that this company has Sensitive information about me
Product: Credit reporting

I could not continue making payments to XXXX XXXX XXXX XXXX XXXX NE XXXX in XXXX XXXX. I called them and made arrangements for the vehicle to be returned. XXXX XXXX XXXX reported a " charge off '' of {$11000.00} to XXXX. XXXX then sold the debt to a third party ( XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX. ) In XXXX XXXX I contacted XXXX to pay off the debt. XXXX referred me to a third party collector XXXX XXXX XXXX ( XXXX ). I contacted XXXX and we agreed upon {$7700.00} to settle the debt, and I overnight mailed XXXX a cashier 's check. 

Now the problem : I obtained copies of my credit reports from all XXXX credit bureaus and the debt remains showing as a " charge off. '' XXXX says they wo n't report this account as " paid '' to Equifax, that it is XXXX 's responsibility even though XXXX is mentioned on the credit report under XXXX 's Name. XXXX says they wo n't change the status. I have disputed it with Equifax three times and submitted proof of settlement and payment, but Equifax refuses to accurately update the credit report. 

I submit that : one, when XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX, the debt ceased to be a charge off and that XXXX should have changed to status from " charge off '' to " debt sold '' ; two, once XXXX was informed by XXXX that the debt was paid/settled, that XXXX must change the status on the credit report to " paid/settlement '' ; three, that since proof of payment has been provided to Equifax three times and that this inaccurate information on my credit report has been disputed three times ( and that XXXX and XXXX both acknowledge that the debt is paid, ) that Equifax must change the credit report status from " charge off '' to " paid '' or " settlement. ''
Product: Debt or credit management

XXXX XXXX purchased furniture from XXXX XXXX XXXX Amount {$2500.00} Financed by Synchrony Bank. Paid deposit amount of {$280.00}. Salesperson XXXX XXXX offered a promotion of 36 months no interest no payment for 36 billing cycles. 
Sales order # XXXX That same period, I have responsibly set up auto pay with a minimum required monthly payment so I have peace of mind that it is being taken care of. 

XXXX XXXX I received a notification from Synchrony Bank that I owe them around {$1800.00} which shocked me because I know that I already paid it off. 
XXXX XXXXXXXX I called Synchrony Bank and XXXX XXXX XXXX XXXX was TOUGH trying to get hold of the right person to talk to. Several hours on the phone, being passed on from one person to the next, numerous days spent following up the case. I can say that this caused me mental and emotional stress. 

People I spoke to : XXXX of Synchrony Bank : He advised me to call XXXX because it is the stores responsibility to forward any promotion to them. 
XXXX, salesperson from XXXX : She affirmed/verified/vouched the 36months promotion and advised me to call XXXX to show the papers they gave me at the time of purchase. 
XXXX of XXXX : went to the store in person, showed the papers and she made copies. Received a call the next day saying to contact Synchrony Bank because the case is out of their hands. 
XXXX and XXXX of Synchrony Bank : they claimed that XXXX forwarded 6 mos promotion only and not the 36 mos I was given. So after 6 mos the interest started accumulating when in my mind, I was offered the 36 mos and I dont have to worry since I have set up the auto pay from my debit card to take care of the minimum payment required. The miscommunication of promotion is between XXXX and Synchrony Bank and not the customers problem anymore. XXXX and XXXX promised they will escalate to higher and proper management for resolution but never gave me their direct numbers or email and even last names necessary for me to follow up. 
Made several follow ups but I got inconsistent answers. Some said they will help resolve but some said they cant do anything since it happened years ago and now pointing fingers at me. 
After days of being passed on, time and effort being wasted, I felt huge disappointment, hopelessness. I wanted to consult legal advice and file a case because to me, this is sales fraud, offering me a promotion but It wasnt applied. I dont have the capacity financially to hire a lawyer and so I am hoping CFPB is the answer to my problem.
Product: Vehicle loan or lease

NEW DOCUMENTS SUBMITTED FROM ATTORNEY FILE.  Coastal Credit,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , CO  XXXX , issued a loan to me for a     XXXX   XXXX   XXXX  . I purchased the   XXXX   XXXX   from   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX  ,  XXXX , CO  XXXX  ( Exhibit A ). I returned the vehicle prior to  3 business as  the dealership violated the Law of t he State of Colora do. I contacte d Coastal Credit regardi ng the returned vehicle and instructed them to withdrawal thei r EFT payment to     XXXX   XXXX  . The company refused. I hired the law firm of  XXXX ,  XXXX ,   XXXX   XXXX   XXXX   XXXX  , to defend me regarding the actions of   XXXX   XXXX    employees ( Exhib it B1 and B2 ). In  addition, I contacted State of Colorado  Criminal Investigator,    XXXX   XXXX  , to file a criminal complaint against   XXXX   XXXX  .  Attorneys fo r   XXXX   XXXX   agreed to settle out of court and refund  Coastal Credit  for the cost of the loan. I continued to pay  Coastal Credit ti mely payments until the lawsuit terms indicated I no longer had to a s Coastal Credit wa s made aware of the fraudulent loan within 3 days of the purchase of the vehicle. However,  Coastal Credit refused to honor Colorado law an d victimize me further. Moreover, the State Criminal Investigation did conclude my rights were violated and  Mago Auto wa s to refund the cost of the car ( Exhibit C ). I complied with State Law and made payments to  Coastal Credit, retu rned the vehicle to  Coastal Credit as I was d irected by the court to do and I was not required to make any further payments to  Coastal Credit. Coastal Credit fail ed to file theft charges against   XXXX   XXXX   or recall the loan. Their failure is not a failure on my behalf to have a charge off on my credit. As is consistent with Colorado Law the charge off as listed on my credit reports with  XXXX ,  XXXX , and  XXXX  by  Coastal Credit is a fra udulent entry must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX  XXXX Balance : {$3100.00} ; XXXX XXXXXXXX Balance : {$240.00} ; XXXX XXXX Balance : {$75.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX, MO XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX  XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was charged off in XXXX and they just charged it off again in XX/XX/XXXX. Plus its a charged off with a balance.
Product: Payday loan, title loan, or personal loan

I applied for a XXXX loan back on XX/XX/2021 to help keep my business going. I went through XXXX XXXX the process was simple and moving in a timely manner. I was quoted that after passing all verification and being XXXX approved, which I was and I have a loan number. I would receive funds for my business in 7-10 from the start of application. I docu signed a promise to pay note on the XXXX of XXXX. Since then I have not received any funding. The lender doesnt have a contact neither is XXXX XXXX replying to any tickets/ email that I have submitted regarding this loan. No customer service no real answers. They have all my information bank statements access to my account my ID front and back plus my passport picture. Im not sure if I have been scammed or what but its now XX/XX/2021 still zero communication.
Product: Bank account or service

Question : I need to know what has changed with CHASE.COM and scheduling bill payments. Something is different recently and I do n't know if this is because a regulation changed or if CHASE just changed their programming code in order to collect more fees XXXX. 
Background : I 've been scheduling bills electronically for at least 10 years. So I get it. I know how it works. You ca n't schedule a payment to be made on a weekend day or holiday. If a payment is due on XXXX those dates, you have to pay the bill early in order for the bank to have enough time to process the payment. 
Recently, ( this has happened XXXX to me now ), CHASE has decided to move my Bill payments originally scheduled for payday Friday to the day before my paycheck is deposited into my account. Then because I did n't have the money to cover all those payments the day before, they over drafted my account, charged some fees and moved the outstanding amount from my savings as the XXXX accounts are linked. The rep on the phone stated, " This is how all bill payments work even at other banks '' and because " they do n't want my payment to be late because of the holiday. '' Needless to say, I was SO NOT HAPPY. I do n't schedule bills to go on holidays. Then charging fees on top of it - to move my money over for no reason. As soon as I got the alert about my overdraft I tried to log into my account. Something else was going on as their system was unavailable for 2 days, Thursday XXXX XXXX. I searched for a phone number on-line and called. The rep on the phone was pleasant enough and gave me a one-time refund of the fees. Fine - but what about all future holidays? Is this happening to everyone? How many fees have they collected from people who did n't realize this was happening? Is this legal? 
CHASE DOES NOT get to decide to just move my payments to another day. I decide. Do I need to close these accounts and move to another bank or is this happening at every bank that does electronic bill payments? 
I would really like to know if this is legal and what I can do to avoid this problem in the future without having to go back to printing checks and the mail system.
Product: Credit reporting or other personal consumer reports

I am submitting to inform you that I am scheduled to update my credit reports within the next 15 days. It is my sincere hope that the items listed below will be removed by the conclusion of this period, in accordance with FCRA Section 605b, which mandates the removal of items listed on an identity theft report with reference number 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX
Product: Checking or savings account

On XX/XX/2021 PNC Bank closed my virtual wallet account # s ending XXXX, XXXX and XXXX. Please note that I have been banking with PNC for over 30 years and before that when this bank was XXXX XXXX. During my 30+ years as a customer. PNC has practice changing my accounts from one account number to another account number without my request and/or knowledge, closing my accounts and transferring to another and/or closing my accounts without my knowledge and/or request. Then they send me a notice after the fact. This is the last straw for me. When I contacted PNC I was informed this time my account was overdrawn {$6.00} for over 30 days which is untrue and that is why they closed my accounts. Only account # XXXX was overdrawn {$6.00} but they closed all 3 accounts # XXXX, XXXX & XXXX. I was informed by branch Representative that account # XXXX was only overdrawn less than 30 days. I explained to them that this bank ( XXXX ) needs to remain open because I use it for my direct deposit from IRS every year which I have already filed and use it to pay my bill as automatic pay. I spoke 2 Bank managers named XXXX XXXX and XXXX and was told that my accounts were closed will not be reopened. As I was speaking to them all of my bank information of my closed accounts was removed from my excess. 
As a customer for many years l should have received better treatment.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX
Product: Student loan

You currently have a case pending VS. XXXX XXXX that covers these ridiculously over priced loans that they preyed upon the students for. My question is what are the students supposed to do in the mean time? I just received my monthly statement in the mail and it went up about {$100.00} for the month. I cant afford to pay that to them but they wont work with the payments either. So while this plays out in the courts what are we the students supposed to do? Can you push an injunction to get them to freeze all XXXX and PEAKS account collection activity until this is resolved? When do those of us who are suffering get relief?
Product: Checking or savings account

In XX/XX/2018 I opened an online checking account with Key bank. Some how my correct address did not get registered, but I did not know that. I received an email that same day confirming that my account was opened, but the email didn't contain my account number. I waited for my first statement, which I never received because of the incorrect address. After a few months ( my fault for waiting so long ) I chatted with Key to inquire about my account, but they couldn't help me and said I had to call them. I called and the person told me that my statements were being returned, but she couldn't give me my account number over the phone and that I would have to go into a branch to resolve the matter. When I went into the branch I was able to correct my address and get my account number. When I got online access to my account I saw a large number of fees, inactivity fees, paper statement fees, returned statement fees, maintenance fees. They are clearly trying to extract as much money in fees from their new customers as possible. So I transfer the remaining money and tried to close the account. I was told that I could not close the account because of a recent address change. I waited the specific time and then tried to close the account, but by then I had a negative balance and was told that i could not close the account becaue I had a negative balance. I asked to speak to a supervisor and he said he would refund the latest fee to bring the balance to zero and then close the account a few days later once the refund is no longer pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my TransUnion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it.
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible   XXXX   (  XX/XX/XXXX  )   XXXX   ( XX/XX/XXXX  )   XXXX   XXXX   XXXX   ( XX/XX/XXXX )   XXXX   XXXX   (  XX/XX/XXXX  )  XXXX  (  XX/XX/XXXX  ) I have sent the company multiple letters trying to get this resolved.  XXXX  has resolved the problem but TransUnion has not.
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute regarding a fraudulent account with XXXX XXXX XXXX that is being improperly reported on my credit file. I am a victim of identity theft, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which requires credit reporting agencies ( CRAs ) to block and delete fraudulent accounts within four business days once proper documentation is provided. I have already submitted all required documents to the CRAs, including : 1. Proof of my identity, 2. A formal notice of dispute, and XXXX. An FTC Identity Theft Report. Despite meeting these requirements, the CRAs have failed to block and delete the fraudulent XXXX XXXX XXXX account from my credit report within the legally required timeframe. This failure is a clear violation of FCRA Section 605B ( c ). Additionally, I have disputed this account in the past, but the CRAs claimed it was verified as accurate by XXXX XXXX XXXX. When I requested documentation proving how the account was verified, the CRAs failed to provide any evidence or records from the creditor to support their claim. This violates FCRA Section 611 ( a ) ( 6 ), which requires CRAs to provide consumers with details about the verification process. Without proper verification or supporting documentation from XXXX XXXX XXXX, this account can not legally remain on my credit report. Under California XXXX, particularly Civil Code Section 1785.25 ( a ) of the California Consumer Credit Reporting Agencies Act ( CCCRAA ), creditors are also prohibited from reporting inaccurate information to CRAs. If XXXX XXXX XXXX has failed to properly investigate or verify this account before reporting it as accurate, they may also be in violation of state law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Transunion and XXXX to do a thorough investigation of this account and provide proof. Both credit bureaus have failed to do so. I have found numerous inaccuracies with this account and they are both reporting different information. It is the same account so the information should match up. I have attached proof of the inaccuracies and I am requesting for this to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX  cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.