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

Please explain why you contact me about actions by XXXX XXXX not me. He is here in our country on a visa using two fake SSN numbers XXXX and XXXX and cash two escrow account checks in my name XXXX. XX/XX/XXXX and XXXX. Mailed out on XX/XX/XXXX and were instructed by chase around XX/XX/XXXX to go make police report as XXXXXXXX XXXX XXXXXXXX XXXX XXXX and then also on XX/XX/XXXX conducted an affidavit of forgery. He continues to squat at the property. 

Also dated XX/XX/XXXX attached letter record no. XXXX he Used a fake non-existent broker as Michigan Homeowners ASSI confirmation he and attorney XXXX XXXX well aware they did not purchase from XXXX XXXX. Including the fact XXXX XXXX contacted chase as an inquires on XX/XX/XXXX ref. No. XXXX XXXX as XXXX responded WE WILL BE ABLE TO RESPOND TO YOUR INQUIRIES, IN FULL, IF XXXX XXXX XXXX XXXX XXXX US AT XXXX XXXX TO PROVIDE VERBAL AUTHORIZATION. 

ON XX/XX/XXXX AT XXXX for 27 minutes I spoke to XXXX XXXX XXXXXXXX mortgage department XXXX XXXX XXXX XXXX XXXX a guy name XXXX XXXX XXXX lying saying XXXX XXXX has clear title and is no clear. 

On XX/XX/XXXX spoke to XXXX XXXXXXXX he said XXXX put your two checks in an account XXXX XXXX XXXX XXXX Az XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name 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: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these accounts were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

hello XX/XX/XXXX I decided to open an account with XXXX XXXX XXXX, the time I opened the account I was told that If I need to purchase something I can buy with the receipt that they gave me until I receive my new card. 
on XX/XX/XXXX, I got a call from XXXX, one of their customer services told me that I was late for two months and I told them I didn't get the card or any statement yet how can I have a past due for 60 days? they say yes we have sent you the card and all the statements when I told him to verify the address they actually sent it to the wrong address so the customer service told me they will remove any late fees which they did. 
They've requested that for the future I can create a XXXX account and set up autopay which I did. The customer service stated that I need to make the payment today or I will get a 60-day overdue report on my credit, so I paid the gentleman {$300.00} that day On XX/XX/XXXX with a check I thought that was it but it wasn't. 
so in XXXX, I decided to get financing for a new car at the time my credit score was XXXX and I am applying for the car I qualified for with a low-interest rate. When I got to the dealership they have to check again I found out that my credit score has dropped XXXX points, came to find out they did report a 60-day negative payment on me. and it was XXXX. I had no choice but to finance the car with a high-interest rate. 
I called XXXX more than 28 times and each time I call XXXX they gave me a different supervisor and stated that whomever I had spoken with they don't know their name to they don't work here anymore to asking to give them 30 to reply back to the credit bureaus. 
I've opened several disputes with the credit bureaus but every single time a dispute was in my favor another person would add the bad credit back to my credit history. so I've decided to pay the credit off so I don't have to deal with XXXX anymore. In XX/XX/XXXX I received a package from Calvary XXXX stating That I owed them {$1700.00} ' I called them to state them that the account was paid off and that's when I found out there was another account opened at the same time and they stated that I was making payment on it, came to find out that XXXX has been taking money from my bank account for 2 different accounts when I only receive 1 credit card from them, so I called XXXX asking them to send me a copy of any statements which they did but with the wrong address. 
with all that, they refuse to accept responsibility for their mistake. 
during the beginning year of XXXX Corona Virus time, Calvary XXXX kept on reporting negative history on my credit, I'm self-employed I couldn't get any loan for my business, my credit was XXXX, I couldn't for the PPP Loan I could get any type of credit with SBA, I was forced to close down my business, they've turned my life upside down, my finances my family my mortgage, my car payments and everything else that I've worked for.
Product: Credit card or prepaid card

With my credit card from Mr. Cooper ' XXXX XXXX Card, I purchase three vitamin supplements from XXXX, MD totaling {$1500.00}. When I took these vitamins, they made me sick so I sent them all back by means of XXXX. Everything was delivered to XXXX, MD and I received a refund to my credit card account of {$270.00} and {$170.00}. However, I never received a refund from the third purchase and the XXXX receipt showed it was delivered and the receipt was signed by a representative of XXXX, MD. 
I disputed this charge to my credit card company and they just told me there was no charging error and they left the charge on my credit card account. I disputed this again to the credit card and I got the same answer. To this day I keep getting charged interest on this disputed charge and every time I complain, I get their same answer.
Product: Payday loan, title loan, or personal loan

In XXXX XXXX, I went to Cash Express in XXXX, TN and got a flex loan of {$660.00}. But after interest, I was suppose to pay back probably about {$2000.00} and something. I paid my payments on time. Until I went through a tough time and quit paying them until I could afford it. Approximately 3 months after I stopped paying, I gave XXXX  to my XXXX. They called me the morning after I gave XXXX  and told me I needed to come pay them. I said I just XXXX  XXXX, youre going to have to wait. They said have someone bring it for you. I hung up on them, I was irritable and had XXXX  in places they shouldnt be, I was in XXXX  and they didnt understand that. So fast forward to today, I got a letter in the mail saying they was going to file a lawsuit to collect my balance or they would repossess something of mine if I didnt pay my past due balance within 5 days of the letter being sent out. Well, it takes 5-7 business days for a letter to get from one place to another. They dont even have access to anything I own to repossess anything. They legally arent allowed to threaten me with a lawsuit, based under the CFPB. They were in trouble for this in XX/XX/XXXX. I dont think they know that I know this and that I know they cant even practice a lawsuit, much less threaten me with one.
Product: Vehicle loan or lease

I called chase at the end of XXXX early XXXX and I spoke with a representative about a late payment. She assured me there would be no negative reporting unless I was 60 days past due which is basically 2 months past due. My due date is on the XXXX I paid on the XXXX and received notification that it was reported negative on my credit on the XXXX which was explained to me on the date that I called. Now they are not wanting to fix the issue
Product: Checking or savings account

I have 4 checking accounts with Arvest Bank. When I opened my newest account ( more than a year ago ) I asked about the cost of sending money through bill pay. I was told that since I was in the free account, I could n't have unlimited free bill pay like on the my blue account, but that I could send up to 6 for free each month. I have only one bill pay item in the amount of {$40.00} that is sent each month from my bills account to the city. I have had this in place for quite some time and have not been charged even once for it. I was balancing my accounts today and noticed that a XXXX cent charge came through on an account that I have never even used bill pay on. I figured this must be an error, so I called the bank and explained the situation. After the rep completed her research, she told me that bill pay items are never free on free checking accounts and that I was being charged for the {$40.00} item that had been sent. I reiterated that I was told bill pay was free up to 6 items, that I had not been charged even once in the past, and that the account being charged has not ever had a single bill pay item come out of it. To that she responded that bill pay must have been set up " weirdly '' on my account and that she could not waive that fee or any future fees for bill pay.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I recently conducted a thorough review of my credit report and uncovered alarming violations of my federally protected consumer rights, particularly under the Fair Credit Reporting Act ( FCRA ). 

Upon closer examination of the specific accounts as follows : 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 XXXX XXXX XXXX  XXXX has become evident that the following federal laws have been violated : 1. 15 U.S.C 1681 Section 602 A : Right to Privacy - My right to privacy, as guaranteed by 15 U.S.C 1681 Section 602 A, has been compromised.

2. 15 U.S.C 1681 Section 604 A Section 2 : Written Instructions Requirement - The account has been reported without my explicit written instructions, a direct breach of 15 U.S.C 1681 Section 604 A Section 2.

3. 15 U.S.C 1681c. ( a ) ( 5 ) Section : Seven-Year Reporting Limitation - The inclusion of adverse information exceeding the seven-year reporting period, as outlined in 15 U.S.C 1681c. ( a ) ( 5 ) Section, is affecting my credit report.

4. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Accuracy of Information - The information provided to consumer reporting agencies is inaccurate, violating 15 U.S.C. 1681s-2 ( A ) ( 1 ).

5. Identity Theft and Assumption Deterrence Act Violation : - If there's any potential unauthorized transfer or use of my identification linked to identity theft, it may constitute a violation of the Identity Theft and Assumption Deterrence Act.

6. Consumer Financial Protection Act Violation : - The account 's transgressions may also fall under the Consumer Financial Protection Act ( CFPA ), particularly in terms of potential unfair, deceptive, or abusive acts related to consumer financial products or services. 

These inaccuracies and violations are not only a breach of my rights but are also significantly hindering my ability to secure credit for essential needs such as a new house, car, and other necessities for my family. 

I strongly advise taking immediate action to address these violations and protect my rights. As per federal law, I have the right to dispute and request the removal of inaccurate information, as well as report any potential identity theft incidents. Safeguarding my consumer rights is my top priority, and I appreciate your prompt attention to this matter. 

Respectfully,
Product: Payday loan, title loan, personal loan, or advance loan

I refinanced my home to pay off all my other loans and credit card debts in XXXX. My total balance {$36000.00}, On XX/XX/XXXX, I sent Santander a check for {$38000.00}, which they cashed. As per their policy, I was supposed to receive a refund within 7-10 business days. However, despite numerous phone calls and conversations with various representatives, including Supervisor XXXX, the issue remains unresolved. It has been over 10 days since I last spoke to Supervisor XXXX, and I have yet to receive a callback or email regarding the resolution of my account. In the meantime my loan still open and accumulating interest every month.
Product: Credit card or prepaid card

I have a NY State Unemployment Benefits card that was forced on me and serviced by XXXX. I made a {$400.00} bill pay to myself test and it went trough. I then went and made a {$6000.00} transfer of all the funds I was unable to get off the card in another way. I have been trying to get in touch with their dispute department ( who I was told I had to speak with ) via XXXX  and the phone. No luck. After 4 hours on hold I still have no one. I am missing my money, they don't answer the phone and I need help
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 Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proces 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 caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Student loan

On XX/XX/XXXX, XXXX informed me that my student loans were transferring to XXXX. 

On XX/XX/XXXX, XXXX informed me that the U.S, Dept. of Education had decided there was " no need '' to transfer my loans. 

I applied for PSLF in XXXX of XXXX. I have worked as a XXXX for XXXX years. I completed the application and certified my employment. I have been in contact with both XXXX and XXXX multiple times, as in order for the loans to be forgiven, they must transfer to XXXX as per the Federal government. 

On XX/XX/XXXX I filed a complaint with you against XXXX. They replied, telling me to " be patient '' and " the loans are in transfer ''. This was a lie. 

I am now filing a complaint against studentaid.gov / U.S. Department of Education demanding to know why my loans were not transferred.
Product: Debt collection

I started by writing a letter approximately a year ago, letting them know the debt was being reported incorrectly. Since that time, without getting any response, I disputed the charge with XXXX credit reporting agency ( it was " verified '' which was a lie ) and hen a few months later, another CRA ( also " verified '' ). I have not followed through in getting it corrected as vigorously as I should by filing a complaint or suing because I 've been XXXX but I have done more than I 'm required to do and still they call and send letters improperly trying to collect the debt. This morning, when they called and I told him I do not owe the debt and that I am a current XXXX customer, they nastily insisted I prove it when all they have to do is call XXXX to check! And said I never wrote to them to dispute it but I did and I possess the receipt to prove it. My next step will be suing in state court if this report does not bring about a correction.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but XXXX account still has to be repaired. The XXXX credit bureaus are required to verify this account in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX XXXX
Product: Debt collection

I have reached out to MCM- MIDLAND CREDIT MANAGEMENT, advising this purchase/rental/lease was not made by me. I stated to rep XXXX XXXX that all the rental agreement was sent through XXXX to an unknown email address I do not own nor recognize. I also requested to stop the harassing phone calls to me and family members. There is not and shipping address where these rental goods were sent and no proof that any ID was taken to verify the identity. The representative stated he could not access the account because it has a restriction and refused to provide me with an address to mail out my dispute letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Equifax mortgage XXXXXXXX XXXX have put credit hard inquiries on my credit report that I gave no permission to and not responsible for. EQUIFAX REPORT XXXX XXXX Has put a credit inquiry on my XXXX REPORT IM NOT RESPONSIBLE FOR XXXX  XXXX XXXX and XXXX XXXX XXXX Has put inquiries on my account Im not responsible for I ask all be deleted
Product: Payday loan, title loan, or personal loan

We applied for a business start-up loan, fall of XXXX with SouthState Bank XXXX XXXX by the XXXX ). Our contact was XXXX XXXX, at the SouthState Bank location in XXXX XXXX, GA. In XXXX of XXXX, we were offered loan terms and the loan was moved to the underwriting department. At the same time, we were charged {$2500.00} as an underwriting fee to be refundable minus " out-of-pocket expenses '' ( see attached term sheet for details on the terms of the fee ). In XXXX of XXXX, we were denied that loan and told that 10 % was going to be kept for " man hours '' ( see attached email - Campground Decision ). Please note, man hours are not out-of-pocket expenses. When we asked for a receipt, or itemized accounting of the fees kept, we were told " they do not issue receipts '' ( see attached email - It Ain't Camping Receipt ). After XXXX full weeks of repeated in-person visits to the bank to either obtain a receipt, or the {$250.00}, SouthState Bank opted to refund the {$250.00}, rather than provide a receipt. 

While our issue has been resolved, how many other people have they decided to arbitrarily keep 10 % for " man hours '' under the guise of " out-of-pocket expenses ''?
Product: Credit reporting or other personal consumer reports

I noticed some accounts on my credit report that are not mine. Please remove immediately see attached FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the three credit bureaus several times about this matter still no update on accurate information I still have an accurate information no proof let me apply for any of this stuff Ive never even went To any college i see there is a account for dept of education i never signed up for i sent complaint # XXXX please remove inaccurate information this is hhurting my family and hindering my credit stopping Me from obtaining new employment please remove inaccurate information listed below Upon investigation XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX Closed Closed XXXX XXXX XXXX  {$770.00} Needs attention XXXX XXXX XXXX XXXX {$370.00} Needs attention XXXX XXXX XXXX {$160.00} Needs attention
Product: Payday loan, title loan, or personal loan

Hello, I applied for a Loan with Avant Approx XX/XX/2018, it was for XXXX. Avant collected all of my Information, bank statements, Income Verification, Etc. I have used Avant previously with 2 different Loans totaling {$8700.00} and successfully paid back in less than a year on both loans, I have a 100 % excellent payback history with Avant. 

Avant Mis-Informed me about Reapplying & the affects to my Credit Report. 

My complaint is that after my loan application for {$10000.00} was denied, I called to Inquire, Avant Customer Service Reps told me that wait ( 30 )  days & apply again either by phone or log into my account & follow instructions on my account page, I did exactly what they told me to do BUT they MISLED me because when I logged into my account 30 days later, Avant sent me a text with another denial? I called inquiring about this text message of denial, The Customer Service Rep told me I applied for another loan too soon, I DID NOT apply again for another loan, all I did was Log into my account, NOW the CSR said I would have to wait another 30 days from XX/XX/XXXX. My Complaint is that Avant MISLED me to wait 30 days, Call Back or Log Into my Account 30 days after original application, I Followed their protocol & was MISLED again & denied to Apply within 30 days, which IMPACTS my credit score because I will now have another Hard Inquiry & I will possibly have a denial from another Loan Source
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has re-inserted accounts on my credit that were deleted. This is against the law. 
The following accounts need to be removed : XXXX XXXX- # XXXX XXXX XXXX XXXX- # XXXX XXXX XXXX -- # XXXX XXXX XXXX -- XXXX XXXX XXXX/XXXX XXXX -- # XXXX
Product: Credit card or prepaid card

XXXX did not send me a bill for my purchase in XXXX. When I called today they said they emailed it to me. I explained I do not get bills electronically and only get paper. They did this to my spouse too. Please someone look into this. So many people are going to get lat fees and interest charges for something they did not sign up for. 

Respectfully, XXXX XXXX
Product: Mortgage

Pandemic and received forbearance for a year and was offered no retention options to keep my home because Select Portfolio didnt tell me until the end of my forbearance that my private lender wasnt offering options. Im in Chapter XXXX now and at mediation SPS says again my lender will not offer any options to modify. So its either lump sum payment or pay thru my bankruptcy plan. I think the Cares Act should of included some relief that the private lenders should have at the end the the Cares Act forbearance. Yes I can stay in my home thru my chapter XXXX plan but my payments are so high its going to be hard. SPS shouldnt of told me I had no option at the end I asked thru out the forbearance and they always replied there will be options but couldnt tell me which one when they did know.
Product: Vehicle loan or lease

Purchased vehicle XXXX XXXX. I believe I was taken advantage of regarding the interest rate on this loan from Well Fargo because of my credit score and XXXX