23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a banner Bank account that went delinquent and was closed at {$240.00}. I did not realize that the account had allowed final deductions than then resulted in overdraft fees. XXXX obtained the account and they garnished my wages for a total of {$580.00} and are still wanting another {$290.00}. I know that collection agencies often purchase debt for ALOT less than owed. So my problem is since they have made double what my original owed amount was I believe this to be a fraudulent and heinous act. In hopes of taking advantage of someone and taking their money for an accidental mistake that is now Infringing upon their credit score and life. They will not communicate with me nor have they sent any mail correspondence either. I have attached the copy of my pay stub and to what they had deducted from there. XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened a Barclaycard Ring Mastercard in XX/XX/XXXX and transferred a balance from another card to it. 

I then paid off the card over a period of just over a year until the balance was paid off in XXXX of XXXX. 

I never made any purchases on the card and did not transfer the balance to another card. All I did was make a single balance transfer to the card in XXXX of XXXX and then pay the balance off over the period of XX/XX/XXXX to XX/XX/XXXX. 

However, I still received a fradulent charge on the account at a website called XXXX in the amount of {$19.00} on XX/XX/XXXX and then another for {$4.00} on XX/XX/XXXX. I did not make either of these charges, and since I made no purchases on this card nor did I transfer the balance to any other cards, the only other party that had this credit card number was Barclays. As such, it would appear that Barclays themselves had a data breach of some type that allowed the fraud on my card.

I discovered the issue in XXXX of this year and Barclays did reverse the charge, but I do find it concerning that they would have a security lapse that would allow my credit card to be exposed to whomever committed the fraud. And if Barclays leaked my card number to malicious parties, how many other card numbers were exposed? It seems unlikely that only my account and card number was involved.
Product: Vehicle loan or lease

On XX/XX/2023 my insurance company paid my car off before the maturity date to United Auto Credit. Seen as I purchased a GAP insurance for {$1500.00} and a GAP Waiver for {$390.00} I was expecting a refund. But they told me that I wasn't entitled in getting a refund because I didn't pay the car my self. But in my contract it says nothing about that.
Product: Credit reporting

Submitted POA ( Power of Attorney ) Documents, ID 's For both my mother and myself, and Theft of Identity complaint for my mother XXXX XXXX to Equifax. 
Attempted to set up credit monitoring with same company and refused based on the POA. Equinox stated on XXXX different occasions they would not honor the POA or allow me to monitor my mother 's credit. Attached are all related documents to date though their refusal grounds have only been given over the phone.
Product: Payday loan, title loan, or personal loan

On XXXX, I tried to log into my account with Avant. I had previous loan with them which I paid off. I was just trying to see if I could possibly take out another small loan. However, after I entered my User name and Password and taken to the next screen to enter my personal information. It didn't recognized my info. I reentered it several times where I was locked out, told to call them. So, I decided NOT to apply or inquire about any product from Avant. Then around at XXXX XXXX  I received a email saying that I was denied a loan based on my credit score. I NEVER APPLIED FOR ANY LOAN WITH THIS COMPANY. SO NOW THEY ARE STATING I WILL have a INQUIRY on my credit report. This is not accurate information. Since, I never inquired anything since I WAS LOCKED OUT OF MY ACCOUNT. What I find upsetting is that is putting false information and VERY Deceptive practice. I really do not need anything on my CREDIT REPORT From this Company. I have been working hard to build up my credit score and now this AVANT is putting a false inquiry on my credit report. Please ask them to withdrawal it. 
Sincerely, XXXX XXXX
Product: Consumer Loan

Chrysler Capital is reporting a Charge off on my credit, but it is not a charge off, it is current. Its affecting me from being able to refinance that car because it looks like it is a charged off repossession but it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB. Please send the following documents to Capital One. Thank you!
Product: Credit reporting

I disputed the below accounts with Equifax on XX/XX/2015 but they never responded to my disputes. I disputed that the following accounts are not reporting correctly. 
XXXX BANKXXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX BANKXXXX
Product: Credit reporting or other personal consumer reports

Company states I owe for a gym membership in XXXX  in XX/XX/XXXX. I had closed this gym membership is XX/XX/XXXX when the Pandemic lock down was initiated and gyms were closed down. I do not owe this amount or anything to any parties involved as I have proof I moved out of state to California in XX/XX/XXXX.
Product: Debt collection

I Sent a letter to HUNTER WARFIELD, INC about account # XXXX asking for : 1. Validation of the debt that is, the actual accounting. 

2. Verification of a signed invoice. 

3. A copy of the contract binding both parties ( you and them ), in a letter by " Certified Mail '' so that there is an independent witness to it having been delivered. 

How ever, according to 15 USC 1629e, 15 USC 1629d, and 15 USC 1692B Not use any language or symbol on any envelope or in the contents of communication effected by mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of debt.
Product: Debt collection

After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under AFNI  , Inc. and validation was requested on XX/XX/2020. On XX/XX/2020 I reviewed my credit profile again as AFNI, Inc.had not responded nor was the account reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/2020. Credit report was reviewed again on XX/XX/2020 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.
Product: Mortgage

I received a notification from my mortgage company, LoanCare which stated that my mortgage payment was not made for the month of XX/XX/XXXX in the amount of {$570.00}. I was able to obtain the cancelled checks for the XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX which had sent the payment to the following address : XXXX XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX, PA XXXX It is clear to see on the back of check # XXXX on XX/XX/XXXX was deposited into a XXXX XXXX XXXX account. The back of check # XXXX on XX/XX/XXXX reflects the correct account of deposit as XXXX XXXX XXXX XXXX which signifies LoanCare XXXX XXXX. 
I forwarded copies of both of these cancelled checks to LoanCare on XX/XX/XXXX and was given a confirmation # XXXX hoping that LoanCare would rectify the problem. I called XXXX XXXX XXXX XXXX, which is a subsidiary of some sort of Loancare, which resulted in a recording informing me to log into my account at www.myloancare.com. 
I have gone to my bank and stopped the bi-monthly withdrawals from my checking account by XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I Am Filing a Complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, Which violate the Consumer Financial Practices Act ( CFPA ). Specifically, Cash App Failed To Take Timely and Effective to Prevent and address Fraud on their platform, Leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic fund transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation of the following information that appears on my Chex Systems consumer report. Upon reviewing the report, I have identified discrepancies that I believe are inaccurate or outdated I have NEVER opened or used the following account numbers : 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 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
Product: Debt collection

I was contacted by Attorney XXXX XXXX to pay a medical debt to Child and Family Services of XXXX XXXX. I contacted them and told them I could not pay the debt as I am a student, housing insecure on public assistance. They refused to negotiate. My mom offered them a payment plan. They refused two payments and wanted one lump sum. We could not afford it. They sued me in small claims court 45 miles away from where I live. I could not obtain transportation. They got a judgment. They sent me a letter that says if I dont pay they will request I be arrested and be held until the debt is paid in full. I dont think that is legal. There isnt a debtors prison.
Product: Checking or savings account

On XX/XX/XXXX, I withdrew CAD {$60.00} from an ATM in XXXX using my XXXX XXXX XXXX which also incurred a CAD {$2.00} ATM fee. On XX/XX/XXXX, the transaction cleared for US {$49.00} with a US {$1.00} ATM fee refund. The exchange rate that the bank applied was 1 CAD = XXXX USD ; however the wholesale exchange rate at the time was 1 CAD = XXXX USD ( as retrievable at XXXX ) resulting in an excess cost to me of US {$2.00}. I submitted a dispute to the card issuer BNY Mellon on  XX/XX/XXXX, and they confirmed the transaction occurred at the higher exchange rate and denied responsibility. When I spoke with the dispute agent over the phone XX/XX/XXXX, she could not explain the discrepancy between the transaction exchange rate and prevailing wholesale exchange rates ; she advised she could not help me further and directed me to call the brokerage. When I called XXXX on XX/XX/XXXX, that agent also advised he could not help me and directed me back to BNY Mellon. This exchange rate was unfair and contrary to the account agreement that states in section 2.5.2 the bank will generally obtain exchange rates through Visa at wholesale or government-mandated rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to opt out every thing bc I had Id theft victim
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX is not in compliance. According to the FCRA XXXX XXXX/XXXX XXXX is in violation of the FCRA. In XXXX of 2017 when I received my annual credit reports I noticed XXXX XXXX/XXXX was not reporting accurate data to all major credit reports. I have attempted in XXXX of 2017, XXXX of 2017 and XXXX XXXX, 2017 after disputing and receiving an update credit report from XXXX and Equifax the dispute was not corrected. What I did notice was that XXXX XXXX/XXXX XXXX was not in compliance and violated my fair credit rights by not reporting accurate data. XXXX XXXX and XXXX XXXX is not giving me any type of rating and are flagging my credit report with XXXX as ( UNKNOWN ). This has been in existing since XXXX of 2017. My current XXXX Report Number XXXX is dated XXXX XXXX, 2017. Yes, I have utilized my credit card with XXXX XXXX/XXXX in XXXX, in XXXX, in XXXX  and have paid off the balance in full every month. For XXXX XXXX not to give me credit or rate my credit worthiness is absolutely a violation of the FCRA. When I received my Equifax credit Report Number Confirmation Number XXXX, I noticed XXXX XXXX/XXXX has not reported correct data since XXXX XXXX, 2017. As of XXXX 2017 XXXX XXXX/XXXX is reporting on my Equifax Credit File Number XXXX NO DATA AVAILABLE. This is definitely a VIOLATION of the FCRA, because I have used my credit card with XXXX XXXX/XXXX XXXX in XXXX, XXXX, and XXXX. More importantly I am not receiving any type of credit worthiness. This is absolutely a FCRA violation, by not allowing the consumer their fair rights. Furthermore, when I called XXXX XXXX/XXXX XXXX to try to resolve this issue. XXXX XXXX, employee XXXX  ID Number XXXX, stated to me she could not answer why XXXX/XXXX XXXX was not in compliance with the FCRA. Because I have went back and forth for over 90 days with XXXX XXXX/XXXX XXXX and the problem is still a credit worthiness problems. I 'm not receiving any type of credit for using or paying my credit card. I felt it was best to file a compliant with the CFPB, so that this matter can be thoroughly investigated and all major credit bureaus will be updated and accurate data will be updated on all major credit reports regarding my XXXX XXXX/XXXX Revolving Credit Card Account. This has went on too long.
Product: Consumer Loan

I purchased a car with what was described as in house financing, using XXXX references, a hotel address that i had been at for one day, while unemployed and having an interruption in my plans for a place of residence. 

The car dealership approved me. But misrepresented the terms for repayment. So I filed a prior request. The not actually in house finance company sent me a copy of the application packet they processed. From this I learned that my address, downpayment amount had been falsified and that they manufactured afditional references from their employees. 
Upon contacting the finance company, they told me that since they had responded to my complaint they wouldnt bother to address my concerns of fraud. They suggested contacting the CEO 's office again, and when I did so, I was instead told of his desire to have my front door kicked in. These sorts of threats on the part of XXXX XXXX make it very difficult to address the concerns with Credit Acceptance Corp . 
I am under the impression that their XXXX XXXX filing with the SEC describes their dealer purchase program where they allow dealers to utilize their warehouse lines to finance new loans and then immediately transfer up the notes. From the above I can surmize only that Credit Acceptance Corp actively encourages fraudulent practiced on the part of their dealer purchase program members, or would otherwise be more alarmed by reports of specific fraud. 
Additionally, as a XXXX veteran who has been adjuciated as insane, I fear that I am more prone to being targeted by such predatory corporations. While the purchase took place in a state with laws designed to protect the insane, it seems that thus far the state laws failed to prorect me as a consumer.
Product: Money transfer, virtual currency, or money service

Between XX/XX/2022 and XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of 0.3875 BTC ( XXXX USD at the time ) from my CashApp account to fraudulent investment firm ( s ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether CashApp did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii )
Product: Vehicle loan or lease

On XX/XX/year>, my car was repossessed due to owed fees. Before the repossession, the company did not send a right to cure letter before repossession. The XXXX XXXX representative stated that they sent the right to cure letter on XX/XX/year>. The following information is false because I was not in default on payments for that month. I had the call transferred to the supervisor for XXXX XXXX about the right to cure letter and the representative stated that the right to cure letter was emailed and sent a mailing letter on XX/XX/year> and XX/XX/year> which is also false because I have yet to receive the letters that they are claiming they have sent. The company did not take the proper and necessary steps to repossess the vehicle. I have yet to receive the letter stating that the car would be repossessed which is illegal for XXXX  state laws.
Product: Credit reporting or other personal consumer reports

I have tried to get my credit good for a long time XXXX TransUnion have things on my credit that I've tried to dispute I submit information and they refuse to look at it or do anything they or the people have inaccurate information like a car that was paid off by the dealership XXXX was the credit union that I got the original one from then I got a different vehicle and traded the other one in it was paid off but I was unaware that it was showing on my credit report that it had never been paid off I have the proof that receipt of the check from the dealership then my child support shows it was taken off my credit because it was paid off then it was put back on my credit like none of it makes any sense I've had my kids in my custody for the past 10 years and it makes it very difficult to to live when everything is based on credit when a basic everyday person can't even get housing or a car loan because all these discrepancies are on your credit report and there's nothing you can do because you're just sent in circles
Product: Credit reporting or other personal consumer reports

I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NJ XXXX Social Security Number:XXXXXXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable.

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law.

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

XXXX XXXX XXXX, XXXX, NY, XXXX
Product: Credit reporting or other personal consumer reports

Please remove this fraudulent account off of my credit report ACCOUNT : XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards the incorrect items on my credit report. It has been well over 30 days and i haven't received my investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It seems these late payments don't match how I typically handle my payments.
Product: Checking or savings account

I tried to open a IRA account with XXXX XXXX this morning ( Application ID : XXXX ) but was denied. I have spoken to two different representatives from XXXX XXXX and the Bank of America platinum honors line after waiting for a long time on hold. The last representative that I spoke to stated that the denial is coming from Bank of America and told me to call another number. He also claimed I placed a do not open a account order which I have never done. 

I found all this to be unacceptable with no clear answer why my application is being denied and being given the run around. I have been discriminated in the past by Bank of America with random closure of my checking account which was reversed in less than a week due to their error. I have never had a negative transaction with bank of america or its affiliates to warrant this treatment. 

Please forward this complaint to the office of the president and FINRA.
Product: Debt collection

In XXXX of XXXX, I applied for medical hardship application with XXXX XXXX, the original creditor of my XXXX  debt. My application was submitted and on my next bill, there was no longer {$3000.00} on my bill. 

Today on XXXX i received a notice that a collections has shown up on my credit report from Medical Business Bureau XXXX I have never received any written communication or even calls/voicemails from this agency regarding this debt. I have no information yo verify my debt or was even given an opportunity to dispute or make payments before the debt was reported to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted several disputes regarding the account XXXX XXXX XXXX, account number XXXX, with EXPERIAN XXXX XXXX XXXX & XXXX XXXX Ive submitted in detail how those late payments violate my rights as a consumer, according the FCRA. Yet, each time a dispute is opened, directly with the credit agencies, it takes them less than 3 days to do an investigation. NOT only that, but the information being reported isnt accurate. They have late payments reported different for each CRA. Attached below. I would like written documentation, PROOF, on how these investigations took place, and were reported updated. These late payments need to be reversed immediately. If no WRITTEN PROOF, on how the investigation took place, and each CRA verified that information, within the next 30 days, these payments need to be reversed. They violate 15 U.S. Code 6802 section ( b ) OPT OUT 15 U.S. Code 1681 ( d ) Consumer Report 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;