23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for the Avant credit card in XXXX, however. I never received the card and called the company on or around XX/XX/XXXX to let them know i have not received the card, i was told to wait at least to the XXXX. 
A couple of days later, I looked on my app for the card and seen purchases for {$260.00} I called Avant customer service to let them know and to close this card. The rep said it would be closed and they'll send me a new card. I have yet to receive a new card, but at this point, I no longer want a card with this company. My score dropped XXXX points because of this. 
Now they're sending me a bill to pay : {$330.00} for purchases I did not make.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXXXXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car from Carmax but financed through XXXX in XX/XX/2021, I attempted at paying my car note constantly but was told I was not in the system so they couldnt not accept my payment. I emailed and reach out before/after and on XX/XX/2021 stating I cant pay because Im not in the system. I got no response. Despite my efforts. Finally on XX/XX/2021 I received an email stated that I was having issues because they lost my contract. I preceded to have multiple phone calls with the manager of the branch where I purchased the car at. I was told it was a mistake and the false reporting on my credit would be expunged and my payments that I was not able to pay due to their faulty would be deferred. But instead they reported 10 late payments on my car which doesnt make sense because my car would have been repossessed which it was not. I am current on my payments and want them to rectify my credit like I was told would happen.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Und

er USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 
I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$18000.00} XXXX Funding Date Opened XX/XX/XXXX Balance {$510.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$650.00} **Inquires** 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX FS # XXXX & XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I had paid off an account in the amount of {$270.00} with The Swiss Colony. They said over the phone they would mail me a receipt and I have not received that receipt showing this account is paid for and closed. I have been patient and called them several times and even spoke with a manager. I was told I would receive a receipt in the mail. It has been several weeks and I have not received anything. I would now like an email copy along with a copy sent to me in the mail. In addition to that, I want all items from the Swiss Colony deleted off all my credit reports. This includes XXXX, XXXX and XXXX.
Product: Checking or savings account

On XXXX XXXX, I took a withdrawal of XXXX from my XXXX XXXX XXXX account using a Citibank ATM outside of the branch at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I am also a Citibank customer and attempted to deposit {$900.00} cash into my citi checking account ( {$800.00} from the previous withdrawal and {$100.00} cash ). After attempting to deposit the cash 3 times, the machine gave me credit for {$330.00} and then spit out a error ticket claiming an error occured and to call customer service taking my whole amount of {$900.00}. I immediately went in to the branch and was told there was nothing they can do, and to call Monday. After 7 attempts of reaching someone Monday with no luck, I called Tuesday afternoon and spoke to customer service. I was told they have no information and to contact the branch. I called and spoke to a woman by the name of XXXX, she explained they would " escalate '' my issue.I was called at EOB on Tuesday evening and told the amount would be in my account in the morning and I would be called in the morning. No one called. I called back and was told, I now have to wait 7-10 business days as they are investigating something. They said there is nothing they can do and I need to wait. How is this legal? they have {$600.00} of my money, I have bills, they told me they found the discrepancy and yet I have to wait? I have bills, and a life to live. HOw is this fair that I am being punished due to an ATM Malfunction?
Product: Money transfer, virtual currency, or money service

We are a small independent school in Virginia. We have used Paypal for collecting payment for services for more than 15 years. One month ago they " limited '' our account and now our funds are being held hostage due to required documents. There policy for account ownership prohibits changing the account owner which is required to be an inidvidual, even for a business. We have been forced to use the prior individuals name, even though I am the current admin. Now with these ridiculous API requirements, we have to provide information that doesn't match the account ownership, because Paypal wont allow you to change it. The account owner retired 10 years ago, by the way. We have almost {$25.00} thousand being held hostage and every time I submit the required documents, Paypal adds new documents to the list. This is criminal activity. There is no change in our amounts processed, all the dollar transfers are domestic and we have a long track record with this company. To hold our money hostage and continually delay our ability to collect it is simply wrong. Paypal must be held accountable for this fraudulent use of our money. We will pay 3 % to collect our money while they invest it and earn on assets that they are holding for undue lengths of time. Paypal must be investigated for this.
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 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Mortgage

I was approved for a loan Modification XXXX XXXX XXXX, with request fo for XXXX trial payments of XXXX which posted XXXX, XXXX/XXXX/XXXX with in the grace period. I have not received my loan medication papers or phone call from my relationship manager after I left XXXX messages to her extension. Customer service is poor. I received XXXX demand letters from US Bank dated XXXX, XXXX, XXXX, XXXX XXXX demanding payment and stating foreclosure may start and loan will be accelerated by XXXX/XXXX/XXXX Mini Miranda statement does not appear on the letters in violation of FDCPA agreement. Each time I call it is stated bu but not the letters indicating breach of mortgage. I have dealt with US bank since XXXX/XXXX/XXXX all payments are as agreed The loan modification was Home modification program XXXX XXXX. My credit scores have dropped, My XXXX beacon was XXXX, now XXXX XXXX, and XXXX XXXX. US bank refused to indicate that my loan modification was approved for a lower payment and note that on the credit file. We experienced doctor bills, I have XXXX doctors and my wife has XXXX. 
All paper work XXXX pages were faxed on a timely basis during the review. Customer service is poor and return calls from my relationship manager indicates she has many files to work. I paid my shortage escrow at the branch they sent the check to Minnesota and was lost, I issued a second check in XXXX and they refused to reimburse my {$33.00} stop payment fee It was their fault. During the review my payments could not be posted live and had to be sent to XXXX, late charges were charged and I had to call to have those waived. When I called was treated as a delinquent debtor and this was upsetting. I value my credit but do not like to be marked as a person in loan mitigation as I was proactive in resolving my mortgage loan.
Product: Payday loan

Item 1 ) First, The reason I am filing a Complaint against this Payday Loan Company is for several reasons. The first is that there are laws in the state of Illinois that preclude and exclude allowing interest rates greater than 35 %. The interest rates on this loan is very high and some are well above 600 % to 1800 % regarding this loan. And, this should not be allowed by law. 
Secondly, the rates are staggering and they never check to see if I could afford these loans as there are rules stating that a purchaser should not pay on more than XXXX outstanding payday loans at any one time. And, I have been paying on a total of ( XXXX ) Payday loans for well over 9 months in succession with much difficulty. 
Thirdly, I not only continue to pay these loans with exorbitant rates and fees. But, the huge charges were destroying our ability to live after deducting well over XXXX % of my take home income for well over 3 months and I have not paid my mortgage since XX/XX/XXXX and XX/XX/XXXX for both the first and second mortgages and I am in jeopardy of foreclosure as of this date, XX/XX/XXXX. 
Lastly, several Companies did not tell me of their extremely high rates they were and some also withdrew from my bank account even though I asked them to STOP future via EFT Revocation Letters. A Couple withdrew funds directly from my account even after it was Bank closed causing me to incur heavy bank fees per day of even {$50.00} or {$60.00} at certain intervals. This was a very stressful time XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX causing us to be fragmented and close to homeless situation.
Product: Debt collection

XXXX Name : ( XXXX XXXX ) Address : ( XXXX XXXX XXXX XXXX XXXX Collection Agency Name : COMENITYCAP/ALPHVIS ) Address : XXXX XXXX XXXX XXXX, OH XXXX XXXX : Account Number XXXX I am sending this letter in response to a letter you sent me on ( XX/XX/2022 ). I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). 
I am NOT requesting a verification, but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you.

Please provide me with the following information : 1.

State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must ha delated and removed immediately from my credit t Repost to followers ire attempts to collect this debt must stop. 
United States sincerelv. 
( XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased ticket XXXX to XXXX I paid XXXX XXXX ( approx XXXX $ ) for extra legroom seat XXXX XXXX changed aircraft and that seat on smaller plane is not available and I had to take normal seat ( no extra pay ) They sent me a receipt showing refund forthcoming but over a month now and no word or credit given
Product: Mortgage

We went through South River Mortgage for a Reverse Mortgage, we were dealing with XXXX XXXX his phone # is XXXX. It took a year to get through this and we mainly went for the Loan so that we can get out of debt and to fix up our house. Well when it came to closing they rushed us through the signing. We were told to get Air Conditioner done and also to paint the house, that was suppose to be paid at the closing. The paper work even said if they asked you to fix something that it was suppose to be paid at closing and they did not pay, I am paying payments to the Air condition Company, and trying to pay the painters off. The Air Conditioner owner was very angry also and would talk to XXXX and he kept telling him we were closing soon and that he would get paid, then towards the end he wouldn't even answer his calls, we need a new roof, new electric Box, then repairs in the home, We received {$2800.00} I had to get the rest of the money to make it {$3000.00} down to start paying off the air conditioner man and we have to pay him {$500.00} a month, we shouldn't have to pay anything, I tried calling XXXX so many times and he would not answer the phone, it went from South River Mortgage to Open Mortgage to XXXX, we didn't know what was going on, very confusing, we have money in Escrow and they told me I would get money next year now XXXX says I'm not getting any money, so what is the purpose of us doing this if we have to pay for everything our self 's. Please help Me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX not updating scores and i paid to see all 3 bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX appears on my credit report. This was listed under Identity Theft Report that was supplied to all major credit bureaus with an attached police investigation report, they signed and certified identity theft.
Product: Debt collection

I made an attempt to dispute this matter in XX/XX/ by requesting verification of this debt and proof of how the debt was validated. There was a failure to provide the requested information, as well as a refusal to delete the debt and stop reporting. They are continuing to report, and have not provided adequate proof that would legally rationalize the publishing of this information on my consumer reports.
Product: Checking or savings account

Ive opened an account with citi bank back in late XXXX into early XXXXHowever through the days and weeks of the open opened there were nothing going on to the point where citi bank had to close my account out of the middle of no where .Ive made regular deposits at the teller, Ive withdrawn regular money from my job, also made regular purchases that werent fraudulent or anything if that nature .One day Im in the line waiting to order food at XXXX and I go to citi bank app to unlock my card and I see that my accounts closed .This was XX/XX/XXXX, i immediately called citi bank and had to be on hold for 20 minutes before I even spoke to anyone then when I spoke to someone and explained the matter they were rude about it and never gave me a answer to why my account was closed .So the next day I go to the branch they didnt even allow me to fully talk, I said my account closed they immediately told me I had to leave the bank and they couldnt help me then I went to other branch where they sat me down for 30 minutes just to say the same thing .So now for the last 60 days Ive been calling and going into branches and dealt with nothing but attitudes and disrespect with no help .Now finally last weekend Monday Ive spoken with a supervisor on customer service and she had told me that a check was already written in my name for them to send over to me for the remaining balance in my savings account where all my money was .So she told me itll be to me by last weekend and it still hasnt came .So Ive called all last weekend and this weekend now I call this week they have no check in my name and they have to send me a verification to verify that it was me they were talking to and everything .Ive still never gotten a reason to why my account was closed now over 69 days and theyve been lying about my check being sent to me in the mail .Citi bank is the worst bank in the world please stay away from them.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, I called the XXXX OneMain office to advise our automatic payment would need to be moved from XX/XX/XXXX to XX/XX/XXXX, due to complications with finances after my husband changed jobs. XXXX, the store manager, offered a deferment of principal if we paid the interest portion on XX/XX/XXXX. I accepted the loss mitigation offer and advised that the email on the loan needed to updated to my email and my husband 's email removed. I was advised this happened and then set up the post-dated payment for XX/XX/XXXX. In the past, during calls soliciting new loans, my husband has asked for his cell phone not to be called. On XX/XX/XXXX ( may not be the right date, it was before the XXXX and after the XXXX ), XXXX from the same OneMain office called my husband 's cell phone and asked when we would be making the remainder of the XXXX payment after I had already made the arrangements for the deferment and had the payment for the interest portion post-dated. I advised him then that the phone call was not warranted as I had already called and made arrangements. Then, on XX/XX/XXXX, our interest portion was debited from our account but the confirmation email was sent to the wrong email. This is 3 violations of contact rules in less than 30 days. 

In addition to this, I was lied to in the beginning when we signed the loan and had to correct the person closing the loan. I asked if there were any prepayment penalties for paying off the loan early and was advised there would be none. I clarified by asking if I paid a lump sum, it would be applied to the principal and accrued interest for that month and any fees and the loan would be paid out, right? She advised, no, the lump sum would be applied to payments and extended out. I told her then that is considered a prepayment penalty and then I would not actually be able to pay out the loan whenever I chose. This is a deliberate lie being told to these customers. I don't know if they have since changed their policy, but as far as I know, I was lied to and am trapped in this loan until the term is completed. At the time, I had no choice because I needed the money but I find it unacceptable that they would advise this, especially to people who do not have the knowledge about lending that I do.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX XXXX XXXX # XXXX Closed Accounts : XXXX  XXXX # XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX AUTONATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

My client sent several requests to Hospital Collection Services on my clients medical debt that was reporting on her credit reports. First written request was on XX/XX/XXXX. After thirty days of no response, I see they violated my clients rights under FDCPA to request verification on information reporting on her credit reports. As there was no response, I sent a letter to the credit bureaus dated XX/XX/XXXX by mail requesting the validation of the debt. By XX/XX/XXXX neither company responded, so I decided to send a follow up letter to Hospital Collection Services letting them know that they were violating her rights under FDCPA and FCRA. By XX/XX/XXXX I received a statement that was vague with no signatures, no HIPPA release as requested by my client.