23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Rapid Cash aka XXXX XXXX refused to process scheduled payments. Associate told me that I am responsible for additional interest on afore mentioned payments. 
Large billboard advertises % 7 per month on title loans, with no mention of {$2500.00}. loan min. to secure this rate. I was not informed of this before I signed the loan. XX/XX/17.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending multiple dispute letters as well as CFPB complaints against the Credit Reporting Agencies to request the correction of the erroneous accounts and information from my Credit File. Under the FCRA, the Credit Reporting agencies are required to investigate the disputed accounts and correct or fix the information being reported on my Credit File. I am submitting this CFPB complaint once again, to request to the Credit Bureaus to remove the erroneous information being reported on my XXXX XXXX. Please once again, fix, remove, and correct the following accounts from my Credit File : XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$51000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my consumer credit reports on XX/XX/2020, I discovered that my Comerica Visa account XXXX Account was marked with a 30-day late payment on all major credit bureaus for the month of XX/XX/2020. I immediately contacted Elan Financial to speak with their representatives on the matter and was told I had to write a letter to their credit dispute department. My account was current for XX/XX/2020, I also placed my account in a deferment to avoid any further impacts to my credit during COVID-19. I disputed the 30-day late information in a letter written and mailed directly to the Data Furnisher Comerica Visa account XXXX on XX/XX/2020 to address my concerns. I discovered that my Comerica Visa account XXXX account was notated with the AW - Natural or Declared Disaster Code with all major credit bureaus as a result of COVID-19. Upon the code being added, the negative information on my account. I immediately called Comerica customer service back to ask what the code meant and how it would impact my credit because I was confused by what was happening. I was told by Comerica customer service that my account would not be impacted and it was a notation only because I had deferred my account payments. At this point I thought my dispute had been resolved and everything was fine, meanwhile I did not know my rights were being violated. In response to my credit dispute letter, Comerica customer service explained that they understood I was having difficulty. Meanwhile, my credit score dropped 45 points and my Comerica Visa account XXXX account reverted back to a negative status leaving me even more confused as to what was going on. At this point I managed to do a significant amount of research on my consumer protection rights and realized that my rights had been violated. And according to the [ Consumer Data Industry Association Credit Reporting Resource Guide FAQ 58 ], reporting on an account affected by a Natural or Declared Disaster should not have any record of delinquency or negative information reported during the period of which a Natural or Declared Disaster exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I called in to request a credit line increase on my chase visa. The rep informed me there there would be A hard pull on my credit report. I agreed to the hard pull being completed. I was transferred to a credit analyst to ensure that the pull wasnt done on a frozen report. I was informed it was not. That they could preform a reconsideration as my request was declined. I agreed. He asked me for the credit line amount I was looking for, I indicated {$40000.00}. The reconsideration took according to my phone 39 minutes. The analyst asked me questions about a line of credit for {$200000.00} I explained that was my home equity line of credit. He then asked questions in regards to an 8.5 year old bankruptcy of which I explained. He then came back on the line several minutes later and asked about two XXXX XXXX loans. I explained they were student loans that I refinanced this year to get lower fixed rates from variable rates. He puts me on hold again, and comes back a few minutes later and tells me I am declined for to many inquiries and high utilization of revolving credit. I explained to him that most of the inquiries were related to a mortgage purchase in the past 90ndays. He mentioned ones from XXXX and XXXX, which were from refinancing my car loans, student loans, and home into better rates, which cut my interest expense per month by over {$2000.00}. And the revolving utilization was neatly all on my home equity line of credit ( Not factoring the HELOC my utilization is around 6 % ) He apologized and said my request was declined. After spending nearly {$150000.00} on there card and paying there balance in full, he could not approve me do to to many inquiries. 

When I got home, I got an alert that a second credit report was pulled by Chase. When applying for the increase the disclosure was read that indicated A credit report may be obtained. A report is defined as one, I had 2 pulled. The second report was not authorized and I would like the second inquiry removed as an error.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous imes and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Student loan

Last XXXX, XXXX, I talked to Navient about lowering my monthly payment because I could n't afford the {$280.00} a month they wanted me to pay. They could only lower it to about {$230.00}, which was still too steep for me. My thought was to give them XXXX XXXX dollars a month but even then I knew that they would be able to sue me so I contacted a lawyer. I had two loans taken out with Navient. I received paperwork from them regarding both accounts and even litigation notices, which I turned over to my lawyer, XXXX XXXX. In XXXX of XXXX, they had come to an agreement to have me pay Navient 's attorneys {$150.00} a month until the loan was paid off. The amount of the loan total is {$4200.00}. What I did n't realize at the time was that this amount only covered one of my loans, not both of them. I never received any other paperwork from them about the other loan and did n't think anything of it. On XXXX XXXX I was served paperwork from the court of common pleas for the other loan in the amount of {$20000.00}. I immediately contacted my lawyer and faxed him the paperwork ; I did not hear from him for several weeks so I finally contacted him on XXXX XXXX to see what was going on. He told me that this was a new complaint all together and that I only had until XXXX XXXX to make a decision. I was curious as to why he did n't let me know before hand about this and why I had to contact him. They managed to get me an extension until XXXX XXXX, but either way I do not have the money for them. I can barely afford to give them {$150.00} a month. Plus I 'm curious as to why both loans were n't taken care of at the same time and why I did n't receive any paperwork about the other loan, just a court summons.
Product: Debt collection

I PAID THIS COLLECTION AGENCY ON BEHALF OF XXXX XXXX. XXXX XXXX  ASSIGNED THIS CASE TO XXXX DIFFERENT COLLECTION AGENCIES. EITHER THIS COMPANY DID NOT REPORT I PAID THEM TO XXXX XXXX  BECAUSE XXXX SAYS I STILL OWE THEM THE MONEY AND THE XXXX XXXX XXXX IS STILL TRYING TO COLLECT. ALSO ITS REFLECTING ON MY XXXX AND XXXX REPORTS AS NEGATIVE AND STILL HAS A BALANCE.
Product: Mortgage

I had to refinance my house to repay IRS for early withdrawal penalties from my Retirement pension. 

I received this mortgage from Cross Country Bank to pay for that debt. 

My wife 's income has been slashed drastically due to commissions and downturn even before CV.19 but now is critical. 

The only thing I am asking is to change the date of the payment to the XXXX of the month. I can not afford to pay it on the first since most of my bills are on the XXXX. 

I have asked them several times to change the due date and they have refused. 
Most of the time when I have had a loan it was not a big deal to change the payment date. 

Now they are charging me a late penalty when I am paying past the XXXX date. 
They will not allow me to automatically pay on the XXXX. They only allow me to pay XXXX XXXX. 

With our economy in a tailspin, we really need to be able to work together. 
My only option seems to be to refinance again to get out of this situation which would add more fees. 

These are the dates I have asked for the date change. 

How can I change my payment date? Auto Drafting XX/XX/XXXX XXXX XXXX Re : How can I change my payment date? Regular Payment XX/XX/XXXX XXXX XXXX Re : :How can I change my payment date? Regular Payment XX/XX/XXXX XXXX XXXX Re : Re : How can I change my payment date? Regular Payment XX/XX/XXXX XXXX XXXX  How can I change my payment date? Regular Payment XX/XX/XXXX XXXX XXXX
Product: Prepaid card

I've been calling these people ever since this Tuesday the XXXX of XXXX they never picked up the phone and today date is here the XXXX of XXXX I've been on the phone for 10 to 12 hours a day I've been trying to email nobody 's answer my email won't go through and no phone calls or being answered play nobody 's just picking up or anything I'm on the phone on hold for 10 to 12 hours every day and nowhere ever answer I can't log in to activate my card to bring my bills I'm homeless now because it will not pick up and give me my benefits from the government my XXXX money I'm homeless now because I couldn't pay my bill my rent I'm sleeping on the streets because of these guys they won't pick up they won't answer to no one SSI call no response no pick up the phone no answer emails Comerica Bank they won't respond they send me to the same number that I've been calling and never been answered never answered no one
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I wrote into each company detailing each misleading inaccurate items that are being falsely reported. As of today over 60 days later I have not received a response that the investigation has even begun. I also mentioned I was a victim of the Equifax data breach and I am just now being made aware. Now more than ever I feel my information was compromised in the breach. I demand these erroneous items be removed
Product: Credit card or prepaid card

I was issued but did not activate a Citi Master Card. They continue to send me letters that say that I owe monies for "   XXXX   '' for an inactive card. I have tried calling the toll free number on the back of the card and I am told the card is not active. I continue to get postal mail telling me that I have to logon to a website or I will be charged for the "   XXXX   '' service for the inactive card. I am unable to talk with Citi directly because they hang up on the automation answering service or they do not acknowledge my request to speak to a person because the card number I enter is not active. Account ending  XXXX  and Customer reference   XXXX   Please help with the demands they place upon me for the inactive card.
There needs to be a way for a person to talk with a responsible Citi employee.
Thanks,   XXXX   XXXX
Product: Debt collection

The dept that they are claiming sould have been covered under my bankruptcy in 2010, but has been on my report sense. I would like it to be removed from my report.
Product: Credit reporting or other personal consumer reports

XXXX received payment for this totaled car I was only the cosigner on this car and they were supposed to have repossessed this car multiple times and remove me from it but continued to allow the owner to retain the car. XXXX deemed the car totaled and paid them and they are still saying that the information on my credit report is accurate and it is not. I am not the owner of this vehicle and simply the cosigner.
Product: Student loan

To whom it may concern : I sent a letter to Navient ( XXXX XXXX ) back on XXXX/XXXX/2016 at XXXX in reference to how to allocate my monthly payments if there is a greater amount than the minimum due. As of today I have yet to receive a response. I called them to ask them about my email and the customer representative said that the system does not allow her to see my emails, which is a total lie because they have seen my emails before. It was the last time I called back in approximately XXXX 2016, Navient can go back and pull the recording. I have contacted the cfpb before regarding the terrible business practices of Navient ( XXXX XXXX ) and yet they continue to do whatever they want with no regulation whatsoever. 
Can someone look into this new matter of them not responding to my emails, especially when it comes to paying down my student loan debt. 

Thank You LETTER COPY : I am writing to provide you instructions on how to apply payments when I send an amount greater then the minimum due. Please apply payments as follows : 1.After applying the minimum amount due for each loan, any additional amount should be applied to XXXX with a balance as of XXXX/XXXX/16 in the amount {$14000.00}. 
2.If there are multiple loans with the same interest rate, which LOANS XXXX and XXXX have the same interest of 3.375 % please apply the additional amount to the loan with the lowest outstanding principal balance ( XXXX ). 
3. If any additional amount above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the loan with the next highest balance, which is LOAN XXXX. 
Retain these instructions. Please apply these instructions to all future overpayments. Please confirm that these payments will be processed as specified or please provide an explanation as to why you are unable to follow these instructions. 
Thank you for your cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX, GA XXXX and the other address that should be removed is XXXX XXXX XXXX XXXX XXXX, GA XXXX. 
I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove these unverified inquiries. I think you have not verified these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXXXXXX XX/XX/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 XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am writing to formally request immediate action regarding a serious issue with my XXXX  account. Someone gained unauthorized access to both my phone and XXXX  account and sent {$2000.00} to an account I have no connection to. Despite my repeated efforts to resolve this, XXXX  has refused to properly investigate the matter or unfreeze my account. 

I have attempted to discuss this over the phone, but I have been met with unhelpful and dismissive responses from your support team, which is completely unacceptable. As a customer who has been the victim of fraud, I expect a fair and thorough review of this case. I am requesting the following actions be taken immediately : 1. A full investigation into the unauthorized transaction, including a review of IP addresses and device activity.

2. The unfreezing of my account, which has been unfairly restricted.

3. A written explanation for the denial of my prior requests.

If this issue is not addressed promptly, I will have no choice but to escalate my complaint to consumer protection agencies, my financial institution, and, if necessary, legal authorities. Please respond as soon as possible with a resolution. 

I appreciate your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ). ( XXXX XXXX. XXXX XXXX, XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have XXXX accounts reporting on my consumer report that have late payments in the payment history. These accounts are inaccurate and need to be updated XXXX paid as agreed, paid on time, never late. I have never been late on any of my payments. ( XXXX XXXX, XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for mortgage had several listed pull within two months from different companies which showed up as hard inquires. damage my credit score and try to resolve with no success.
Product: Money transfer, virtual currency, or money service

Someone offered me XXXX dollars for an online good, and once I payed him the money via paypal, he said he wanted to wait for the money to transfer into his bank account, and he said it would take up to XXXX hours, and after I waited this time, he blocked me on XXXX. In the past I have tried to use PayPal themselves to solve the problem, but I never have gotten my money refunded, or a message from the other seller. I originally sent him the money on XXXX XXXX, XXXX and the last time he said anything to me was on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following is not mine and I also had a credit lock on my Experian account, so I am not sure how all these inquiries happened. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

someone used my name and social
Product: Debt collection

I got a letter from a collection agency saying that I owed a high a amount of money back. For what what I do n't know. I see that it was opened on XXXX XXXX. XXXX. Saying I owe for a loan for schooling within years that 's I never attended. I attended college in the year XXXX and finished. After i got my certificate I started working with my XXXX and never attended school after that. I never ever opened up or took any school loans out. So when I seen that this was for XXXX it set a red flag for me. Becauae I became pregnant in XXXX and I stopped work for a year. I do n't understand why I 'm getting this collection agency saying I owe money when I never attended school or anything for two years sense XXXX. I strongly feel this is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, JPMCB- Card Service pulled a copy of my credit report. I contacted them within 24hrs to inform them I didnt authorize it. I spoke with their security/fraud department. I also mailed them a total of three letters. I have also contacted the credit companies to dispute this information.
Product: Debt collection

In XXXX DRS appeared on my credit report. I had no knowledge of the debt. I didn't receive any type of correspondence from them. According to the fair credit reporting guidelines they are supposed to notify me of the debt and give me a chance to pay before trying to destroy my credit.