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

Subject : Formal Complaint Regarding Loan Application Discrimination and Defamation Dear Upstart team, I am writing to formally address my concerns regarding the handling of my loan application submitted on XX/XX/year>. At the time of my application, my credit scores were XXXX with XXXX and XXXX with XXXX, and my XXXX report was clear and free of any issues ( attached for your reference ). 

During the application process, I complied with all requested documentation, including my bank statements reflecting XXXX transfers and other deposits. However, I was subsequently asked to provide my tax returns, despite having made it clear in multiple communications ( attached ) that I had not filed taxes for the first time since I recently moved to this country at the end of XXXX I was willing to pursue other venues. 

On XX/XX/XXXX, I received notification that my loan application had been denied due to a claimed failure to provide proof of income, which I contest as I had submitted adequate evidence of my financial standing. It is my belief that my application was dismissed without proper consideration, and I am concerned that there was insufficient attempt to communicate with me regarding any outstanding items. 

Furthermore, I informed your team of my bilingual capacity, specifically my proficiency in XXXX, and I was met with a lack of support, as I was told that a translator was unavailable. This raises additional concerns regarding the company 's commitment to effective communication and equitable treatment of all applicants. 

Given these circumstances, I am seeking appropriate compensation for the distress caused and am considering legal avenues with my attorneys in relation to potential discrimination and defamation stemming from the handling of my application. 

I look forward to your prompt attention to this matter and a resolution that acknowledges the concerns outlined herein. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

in early XXXX of XXXX  I in good faith applied for an extension of my consumer credit in order to receive a car and was denied. I am credit worthy and I supplied my social security card number and my driver license number on the application which according to the consumer credit protection codified in title 15 chapter 41 of the U.S.C, are in fact credit cards. ( XXXX credit cards ) I exercised my rights and notified this company of their illegal practices on XXXX XXXX. After reviewing my notice, they still decided that they were not in violation. when I asked for their claim in writing they refused to put anything in writing, stating " we don't have any correspondence for that ''. Even though it sounds like the lady was reading off a Letter. So, I am in good faith again trying to get their response to this matter in writing. This company is in violation of discrimination on a prohibited basis of my consumer rights. This is an official public notice that I will be using civil action. I have attached the correspondence sent to me from Capital One and the correspondence I sent them back.
Product: Credit card

I've contacted the company over the past three years inference to me not being able to pay the amount required by them because I have a fixed income now. I currently out of work because of my XXXX, And they have not tried to assist me. I have had this credit card for over 20 years never was late paying them, paid the account off several time. And I feel that this account should be forgiven and wiped clean from my credit report. The amount owed is {$290000.00} I've paid {$200.00} in the past three month XXXX, XXXX & XXXX trying and get it under control but I couldn't by any food to eat trying to pay them. I called them every week because they told me too because they were going to see if they could put me in a payment plan that I could afford. But each time I call it was a different story. So I gave up and tried to pay them something because they said my account would be changed off if I didn't.
Product: Money transfer, virtual currency, or money service

I am submitting a formal complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair business practices, which I believe violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App has failed to implement timely and effective measures to prevent and address fraudulent activities on its platform, leaving my account vulnerable and unprotected.

Furthermore, the companys dispute resolution process has been both unfair and misleading, as it does not comply with the error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. As a result of these deficiencies, I have experienced significant inconvenience and financial loss.

I request that appropriate action be taken to rectify these violations and seek redress for the damages incurred. Please provide a prompt response outlining the steps Cash App intends to take to address this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple names on my account that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to request information about the account XXXX XXXX XXXX on my credit reports XXXX as well as TRANSUNION. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request a credit report from a different bureau every 4 months. I was unable to receive one from Equifax. On XX/XX/2021 I sent a letter to XXXX XXXX at the address listed on your " contact us '' web page explaining this issue. This letter was returned as undeliverable. The Post Office confirmed to me in person that this address does not exist. Please view attached documents for detail.
Product: Debt collection

I received a letter from Atlantic Credit and Finance , Inc in XX/XX/XXXX about an old XXXX account. I called the number on the letter to inquire about the details and discuss the matter. The first person I spoke to was unable to find any information and told me he could not find any record of this account. He gave me a different number to call. That person was also unable to find any records or information related to the account. He gave me a different number to someone else who could not find any information, even when I provided information such as my name and social security number. No one would talk to me. I did not know what to do. I then received a different letter on XX/XX/XXXX from Midland Credit Management about the old XXXX account. This letter was dated XX/XX/XXXX, although I received it almost a month later, which is quite suspicious and deceptive, because the letter demanded payment by XX/XX/XXXX. The fact that they backdated the letter eliminated the time I am allotted to make a written request for validation and further information about the debt. The actual XXXX account, as given on the letter, has a Charge-Off Date of XX/XX/XXXX, exactly 7 years ago. I am aware that this is past the 4 year Statute of Limitations in my state. On XX/XX/XXXX, I received a bizarre text at XXXX XXXX   from a stranger, with a random name, from XXXX XXXX trying to ask me about work I did many years ago and asking about credit card payments. When I researched the number online, I found that it was reported as Midland Credit Management. This is manipulative and predatory behavior. They would not talk and communicate with me when I genuinely tried, they have misdated a letter, and now they are pretending to be someone else and texting. I do not trust talking to them on the phone, but I do not know what to do. I have no savings or assets. I only have enough for my rent. If they continue this behavior, the only solution I can think of is bankruptcy. There should be more legal protection from these deceptive practices.
Product: Debt collection

Im a victim of identity theft/fraud I did not get a car loan with American credit acceptance nor did I have a car or a car loan please remove off of my credit file
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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 - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

IM UNDER VA CARE, AND THEY SENT ME TO A OUTSIE DOCTOR AND THE VA DONT XXXX THE XXXX THEY SENT IT TO A COLLECTION ANGENCY.SO THE ANGGENCY GOT AHOLD OF ME AND I PAID THE BILL. AND I DISPUTED AND THEY DIDNT TAKE IT OFF MY CREDIT REPORT
Product: Credit card or prepaid card

We financed a sofa from Ashley Furniture through synchrony credit and have received defective merchandise. We have battled this since we purchased with both the company and the finance company to no avail. The fabric is defective and the furniture is unusable. We purchased the warranty but they state its not covered. We are not claiming a warranty issue but a defective product claim. We requested a chargeback from synchrony with no response to our claims. This is absolutely unacceptable. This has hurt our credit score and we feel that this is very wrong and we have NOT been protected from a very defective and deceptive purchase.
Product: Checking or savings account

{$140.00}. Transaction not authorized and Chase refuses to refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a copy of my credit report and there were two account reporting on Equifax that I disputed several times. There are 2 collection accounts and neither are reporting a company name. They say unknown. How is that validating anything? One has an account number of XXXX the other XXXX. There is nothing that I have or ever received with the amounts they are reporting too. Please help me Equifax is n't taking me seriously.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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
Product: Debt collection

The company Receivables Performance Management or RPM showed up on my credit report without ever trying to contact me from the start about a debt I owed to XXXX XXXX XXXX. Once I saw this reported on my credit I contacted them to see if the debt could be settled and I told them I needed it removed from my credit report once it was settled. I was told it would be and also was sent letters showing it was paid off. However when I tried to call back the supervisor told me he wouldn't remove the reports from my credit even though I paid the settlement not even a month after it appeared on my credit once I knew it was in a collections status. He claimed it couldn't be done and that they had to report the " correct information '' After I was already told it could be done by XXXX and XXXX XXXX XXXX both!! He even hung up the phone on me and told me he wasn't going to do it!

I read several complaints where this complaints online about how this company didn't even try to contact customers who owed debts and it just showed up on their reports. This is exactly what happened to me. And before I chose to pay I made them promise to take it off my report and send me confirmation that it was paid right away. I am in the middle of a mortgage for a new home and these people really messed up my score!!!

And the supervisor hung up on me when I told him both XXXX and the Lender said that RPM can do this!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The EQUIFAX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5900.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$420.00}
Product: Debt collection

The burden of proof falls on the collection agency not the consumer ( me ) .I find it concerning that ( Conserve debt collection agency ) is not complying with legal requests.I request CONSERVE DEBT COLLECTION AGENCY provide proof they sent debt validation, as is my legal right.If Conserve can not provide proof, I demand this account be removed from my credit report as is my right per FCRA section 623. ( a ) ( i ) .This is my last request before I file a formal complaint with the CFPB and the FTC XXXX
Product: Debt collection

Good Afternoon, I contacted clarity services after receiving an alert on my credit file of an inquiry. After contacting company I explained to company Ive been a victim of identity theft since XX/XX/2007. 

Ive had numerous bank accounts, housing and credit opened on my name. Clarity services provided me a credit file that had incorrect information listed - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX Ive disputed XXXX XXXX - debt collector for XXXX XXXX is XXXX XXXX XXXX. XXXX XXXX XXXX  sent documentation to be removed from credit file/ all other credit Bureaus have complied with removal however XXXX  and Clarity Services has not removed XXXX or XXXX  XXXX XXXX which is the collection agency for XXXX. 

Attached is the letter from XXXX XXXX XXXX  for removal. 

XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX   are fraudulently opened accounts. To open account in my name company must ask identifying questions and contact me via phone. I never received a phone call from any of these companies. 

Attached are copies of police reports from XX/XX/2007- now. Also attached is my -fraud Alert on my credit file. 
- report verification from clarity services. 
- letter sent of most recent attempt from clarity services. 

I have done my due diligence in contacting CFPB, FTC filing Police Reports, Registering on all major credit bureaus as an Identity Theft victim. This has been a nightmare. Please Help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with inaccurate information showing on my credit report my name show be listed as XXXX XXXX XXXX please delete all other variations. There are several numbers on file that are not mine please delete the following 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. My current and only address is XXXX XXXX XXXX XXXX OH XXXX I have never lived at the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Mortgage

Ocwen Loan Servicing failed to resolve unfair deceptive issues before they transferred or sold my mortgage to XXXX XXXX XXXX. I requested loan remodification under the Harp Program when I took very ill and missed 2 payments. Instead Ocwen inaccurately adjusted my mortgage to a higher amount ( initially XXXX XXXX-payment {$300.00} for 240 months at 9.90 % interest rate ; in XX/XX/XXXX-balance of {$36000.00} was modified by Ocwen ),  did their own modification, and did not apply my previous payments of over 10 years prior. After months of inquiries and unresolved complaints, Ocwen transferred my mortgage. My mortgage suppose to be {$0.00} this year. After I inquired to my current mortgager, XXXX XXXX XXXX of final payment, I was informed they had to investigate and review file as mortgage info was confusing and not accurate in file. Now again, XXXX is transferring mortgage to another company also. I never missed but 2 payments which was in XX/XX/XXXXwhen I became ill ( was on XXXX ) and those payments were brought current in XX/XX/XXXX.
Product: Checking or savings account

I requested my CD not be renewed within 24 hrs of being notified it was renewed at half the interest rate than 9 mos ago. 
They want to charge me a fee of over {$50.00} to cancel. 
I have been a customer of this bank for XXXX yrs I have a savings and a checking accout with this bank and wanted the CD money transferred to my savings account, not withdrawn. But they will not waive the cancellation fee of {$50.00} + I did not know the interest rate until the day the CD renewed and when I discovered this I called my bank within 24 hrs. 
They refuse to waive the fee to cancel this renewed CD I only made {$350.00} in iterest on the original 9 mo CD at 4.92 % and they want to charge me 14 % of the the interest I originally made to cancel a CD within 24 hrs of maturity? 
I have been a loyal customer for XXXX yrs, does this not account for anything
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has continued to violate my consumer rights. I have disputed the credit transaction conducted by XXXX XXXX XXXX XXXX without my knowledge or consent on my credit report a number of times as this credit transaction should NOT be on my credit report. The CFPB has continuously and repeatedly closed my complaints with no resolution. Pursuant to 15 US Code 1681i ( e ) ( 3 ) ( A ) it is the responsibility of the Bureau to ensure the consumer reporting agencies meet all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint. The CFPB has failed to meet the prescribed responsibilities installed by XXXX, as the credit transaction involving XXXX XXXX XXXX XXXX is and has been in dispute and should not be reporting any information to my credit file. Litigation has been filed as a result of said dispute, case file # XXXX, filed in the XXXX XXXX XXXX XXXX Georgia XXXX The CFPB is not at all displaying any sense of integrity. The CFPB is prescribed to ensure accuracy and it is imperative that the CFPB comply and complete the required investigation. The XXXX XXXX XXXX XXXX account XXXX XXXX last reporting XXXX XXXX, XXXX, should be deleted and blocked from my credit/consumer report. 

XXXX XXXX account number XXXX XXXX is showing closed and should be deleted and blocked Capital XXXX account number XXXX XXXX is showing closed and should be deleted and blocked XXXX XXXX account number XXXX XXXX is showing closed and should be deleted and blocked Credit XXXX Bank account XXXX XXXX XXXX is showing closed and should be deleted and blocked XXXX XXXX account XXXX XXXX XXXX showing closed and should be deleted and blocked XXXX  account XXXX XXXX XXXX is showing closed and should be deleted and blocked ( opened XXXX XXXX, XXXX reported XX/XX/XXXX ) XXXXt account number XXXX XXXX XXXX XXXX closed and should be deleted and blocked ( opened XX/XX/XXXX reported XXXX XXXX, XXXX ) I have send Equifax the identity theft report required to support my claim. I have sent copies of my government issued identification as required. Though the prescribed laws via FCRA and FDCPA that Equifax and CFPB are required to uphold are being overlooked and blatantly ignored.
Product: Credit card

I applied for a credit card with Wells Fargo. I have an XXXX credit score and have never missed a payment. I received a letter saying unable to verify my SS/TID number so called the company to correct this. They refused to provide me with information or re open to application ; saying I could completely reapply. When I applied it dinged my credit score over XXXX points and I was declined for some reason I can not dispute, while dealing with a major credit score ding and a rejection which means I can not apply to another credit card for quite some time.

The person I spoke to was unhelpful and refused to help me further.
Product: Debt collection

FIRST THIS COMPANY, ZION DEBT HOLDINGS, PLACED A COLLECTION ON MY CREDIT REPORT ( S ) WITHOUT PRIOR WRITTEN NOTICE. NEXT THEY WERE ASKED TO VALIDATE NOT VERIFY THE DEBT THEY SAID I OWE BY DOING THE FOLLOWING : TO INCLUDE THE FOLLOWING PROOF, WHAT THE MONEY YOU SAY I OWE IS FOR ; EXPLAIN HOW YOU CALCULATED WHAT YOU SAY I OWE ; PROVIDE COPIES OF ANY PAPERS THAT SHOW AGREE TO PAY WHAT YOU SAY I OWE ; PROVE THAT STATUTE OF LIMITATIONS HAS NOT EXPIRED 3YEARS ; SHOW THAT YOU ARE LICENSED TO COLLECT IN MY STATE NY ; AND PROVIDE YOUR LICENSE NUMBERS. 

TO WHICH THEY RESPONDED BY EMAILING ME, VIA THE EMAIL I PROVIDED TO CFPB ONLY ( WHICH I DID NOT CONSENT TOO, ACCORDING TO NYS LAW 23 NYCRR 1.6-REQUIRES MY CONSENT ) AND MAILING CORRESPONDENCE TO VERIFY THE DEBT. 

THEY FAILED TO VALIDATE THE DATE : -FAILED PROVE WHAT THE MONEY YOU SAY IS OWED. 
-FAILED PROVE HOW YOU CALCULATED WHAT IS OWED -YOU HAVE FAILED PROVE THAT I AGREED TO PAY WHAT YOU SAY IS OWED ( NOT MY SIGNATURE ) -FAILED PROVE THAT THE STATUE OF LIMITATIONS IS NOT EXPIRED ON THIS ALLEGED DEBT ( THE CONTRACT THEY PROVIDED IS EXECUTED IN XXXX. THE SOL ON THIS DEBT IS XXXX ) -FAILED PROVE THAT YOU HAVE LICENSE TO COLLECT IN MY STATE NY ( THEY ARE NOT ) -FAILED PROVIDE YOUR LICENSE NUMBER ( S ) ( DID NOT PROVIDE LICENSED NUMBERS AS REQUIRED. 

THEY ARE REPORTING ERRONEOUS AMOUNT OF DEBT THE CREDIT REPORT. THE CREDIT REPORT SAYS ONE AMOUNT THEIR LETTER STATES A DIFFERENT AMOUNT. THEY ARE MIS-REPRESENTING THEMSELVES UNDER TWO DIFFERENT NAMES AND ADDRESSES TO THE CRAs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Adstra Recovery services, XXXX XXXX, XXXX XXXX XXXX, has violated my consumer rights I sent a certified letter of dispute With a clear Police Report and theft affidavit as well as my driver license to prove my identity and proof of address these companies fail to give me a proof of how this debt or collection are mine which is still reporting to the credit agencies fraudulent debt I sent clear Demand letters to The Direct Companies And 3 of the credit agencies they all fail to comply in a timely manner as well as they have violated my consumer rights under the fdpa law Im Requesting them to remove any debt or collection using my social or personal information immediately Im in the process of sueing legally!