23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received letter from an attorney XXXX XXXX XXXX and sheriff dept about credit card debt from MBNA in 2003. The creditor is a company I never heard of. They are threatening to garnish my wages from my employer.
Product: Payday loan, title loan, or personal loan

Had a loan for XXXX have already paid XXXX and owe another XXXX because of the XXXX XXXX interest rate. On top of the crazy interest rate it charged me XXXX XXXX  everyday adding XXXX $ onto my loan every single day until I pay it off. Called cash net to settle for the amount I borrowed and they told me that it was my fault for not reading through and finding my interest rate. This company is preying on people who they know cant make these payments and they will increase your limit without asking as well as monitoring your bank account so when you get low on funds they send an email soliciting to you that you now have more funds to draw from. Completely absurd and out of line, I would like a follow up to this complaint to see what will be done about it.
Product: Credit reporting or other personal consumer reports

6 months ago i was checking my credit report and i noticed 1 accounts thats not mine and 9 inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

PayPal closed my account on XX/XX/2020 and held my balance for 180 days. 
Today it has been more than 239 days and I still have no answers. 

I try to communicate with them and they don't give me the help I need. They do not want to give me any explanation and I am already tired of calling and writing to the chat. I have asked them justification of why they have withheld my balance beyond what is stipulated in their policies and they do not give me an answer. If this continues, I will have to resort to legal situations, I will not allow them to keep my money. this is the email that is linked to my Paypal " XXXX ''
Product: Money transfer, virtual currency, or money service

CashApp recently closed my account without warning. I appealed and was told that my account had violated the TOS and the account closure would stand. I asked for details on what I did that violated the TOS and CashApp refuses to provide those details or re-open my account. I opened a XXXX  case with CashApp only to reach the same conclusion, account closure without reason why.
Product: Credit reporting or other personal consumer reports

I had some charges on discover card for {$6300.00} and i file fraud claim as those were not done by me. I asked them to provide the details on investigation and instead they send me a letter stating the all the charges are valid. I have filed a police report as well but they are not considering it. Discover has reported to credit bureaus and my credit score went down drastically.
Product: Credit reporting or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX, I sent multiple dispute letters to XXXX regarding inaccuracies on my credit report. Despite my detailed explanations and requests for proper investigation, these items remain unresolved. Below is a summary of the disputed accounts and actions : XXXX XXXX XXXX XXXX Account # XXXX ) : Secured Loan opened on XX/XX/XXXX with a {$0.00} balance. 
Disputed late payment history, requested statements and proof of investigation. 
XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) : Auto Loan opened on XX/XX/XXXX with a {$25000.00} balance. 
XXXX missed and late payments, requested complete payment records. 
XXXX. XXXX XXXX XXXX  XXXX Account # XXXX ) : Secured Credit Line opened on XX/XX/XXXX with a {$0.00} balance. 
Disputed late payment history, requested proof of investigation and negative status. 
XXXX. XXXX XXXX XXXX ( Account # XXXX ) : Secured Credit Card opened on XX/XX/XXXX with a {$0.00} balance. 
Disputed late payment history, requested proof of investigation and corrections. 
XXXX. XXXX ( Account # XXXX ) : XXXX XXXX opened on XX/XX/XXXX with a {$1100.00} balance. 
Disputed charge-off status and requested proof of the balance and charge-off. 
XXXX. XXXX XXXX  ( Account # XXXX ) : Secured Credit Card opened on XX/XX/XXXX with a {$270.00} balance. 
Disputed charge-off status and requested proof or balance update. 
XXXX. XXXX XXXX ( Account # XXXX ) : Secured Loan opened on XX/XX/XXXX with a {$0.00} balance. 
Disputed late payment history, requested proof of investigation and corrections. 
XXXX. XXXX ( Account # XXXX ) : Secured Loan opened on XX/XX/XXXX with a {$0.00} balance. 
Disputed late payment history, requested proof of investigation and corrections. 
XXXX. XXXX XXXX XXXX ( Account # XXXX ) : Collection opened on XX/XX/XXXX with a {$370.00} balance. 
Disputed debt ownership, requested proof from the original creditor. 
XXXX. XXXX XXXX XXXX ( Account # XXXX ) : Collection with a {$430.00} balance, original XXXX XXXX XXXX BANK XXXX XXXX. 
Disputed debt ownership, requested proof from the original creditor. 
XXXX. XXXX XXXX XXXX ( Account # XXXX ) : Collection with a {$500.00} balance, original creditor XXXX XXXXXXXX. 
Disputed debt ownership, requested proof from the original creditor. 
XXXX XXXX XXXX XXXX ( Account # XXXX ) : Collection with a {$310.00} balance, original creditor XXXX XXXX XXXX XXXX 
Disputed debt ownership, requested proof from the original creditor. 

In all cases, I have not received sufficient proof of investigation, payment records, or documentation from either XXXX or the creditors to validate these accounts and their negative statuses. This lack of proper investigation violates the Fair Credit Reporting Act. I request that XXXX either remove these inaccuracies or provide comprehensive proof of their investigations and the validity of the disputed information.
Product: Credit card or prepaid card

My Chase Visa was compromised on XX/XX/XXXX and XXXX by an unknown individual. 13 fraudulent charges were issued on my account : XX/XX/XXXX XXXX XXXX  XXXX FL XXXX XXXX  XXXX FL Shopping {$380.00} See details about this transaction XX/XX/XXXX XXXX XXXX  XXXX - XXXX  XXXX  XXXX XXXX  XXXX - XXXX  XXXX  Shopping {$100.00} See details about this transaction XX/XX/XXXX XXXX # XXXX XXXX # XXXX Groceries {$290.00} See details about this transaction XX/XX/XXXX XXXX  XXXX XXXX  XXXX Shopping {$86.00} See details about this transaction XX/XX/XXXX XXXX # XXXX XXXX # XXXX Groceries {$42.00} See details about this transaction XX/XX/XXXX XXXX XXXX XXXX XXXX Shopping {$160.00} See details about this transaction XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shopping {$210.00} See details about this transaction XX/XX/XXXX XXXX XXXX  XXXX   XXXX XXXX  XXXX  Shopping {$500.00} See details about this transaction XX/XX/XXXX XXXX # XXXX XXXX # XXXX Shopping {$95.00} See details about this transaction XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Shopping {$150.00} See details about this transaction XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shopping {$400.00} See details about this transaction XX/XX/XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX Shopping {$190.00} See details about this transaction XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Gas {$35.00} My identity was stolen in late XXXX XXXX of XXXX. When these charges occurred, I had an open police case. I filled out a supplemental police report online and informed the Sheriff 's Office that my Chase Visa had been fraudulently used. 

I immediately disputed the charges with Chase and they were removed. I did not use my Chase Visa at any of the above locations. On XXXX ( XX/XX/XXXX ), I was at XXXX. The day after XXXX I was at the XXXX XXXX. I was with my sister, her husband, my niece, my child, and my husband at the time these fraudulent charges were occurring. I can provide their contact information, if necessary to verify this. 

Around the time these charges occurred, Chase was receiving calls from a person pretending to be me. Chase should have a record of a person calling in from XXXX around the time these charges occurred and attempting to get information about my account Chase removed the charges on XX/XX/XXXX. Then on XX/XX/XXXX Chase reposted all of the charges to my account. I called Chase and they are insisting that I must have made these charges because my card has a chip reader. I did not make any of these charges, but all charges have been reposted to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this information on my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am deeply concerned about the derogatory rating attached to the account that is being reported. This situation is troubling as it has already had adverse effects on my credit. I recently experienced a loan denial, and my existing credit accounts have also seen an increase in interest rates. It is important to highlight that this negative rating has resulted in significant financial distress for me, and if left unresolved, it will continue to affect me both financially and emotionally.
Product: Checking or savings account

I purchased various services through my XXXX account using my Discover Cashback Debit Card. Due to an issue on XXXX XXXX end, my XXXX account was disabled, resulting in a loss of access to the services I had paid for. Upon contacting XXXX support, I was explicitly advised to dispute each charge with my bank since they could no longer provide me with access to the services I purchased. 

Following XXXXXXXX XXXX advice, I initiated a dispute for these charges with Discover. Despite providing Discover with comprehensive proof, including : Receipts and transaction records. 
Communication from XXXX stating that I should dispute the charges with my bank. 
Proof that my XXXX account was disabled and I lost access to the purchased services. 
Discover rejected my dispute, leaving me without access to the services I paid for and without a refund for the charges.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the correction of inaccurate information on my credit report. This is my attempt to rectify these errors, which are significantly impacting my creditworthiness. I request that you provide written confirmation of the results of your investigation and the steps taken to correct these inaccuracies. Additionally, please send me an updated copy of my credit report once the corrections have been made. 
Please help me correct or remove the following items : 1. XXXX  XXXX XXXX Balance Owed : {$2200.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

2. XXXX  XXXX XXXX Balance Owed : {$1100.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

3. XXXX XXXX XXXX Reference # : XXXX - This XXXX file date is wrong and this XXXX  is out of statute for reporting on a credit report. It should no longer be reported because it is past the 10-year statute of limitations that a credit bureau can report. Please update the filing date and then remove it. 
4. XXXX XXXX XXXX Reference # : XXXX - This XXXX file date is wrong and this XXXX is out of statute for reporting on a credit report. It should no longer be reported because it is past the 10-year statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently received a copy of my XXXX credit report. The credit report showed an inquiry from Citibank Na., Best B, that I did not authorized. I contact Citibank Na., Best B, and they said they have no knowledge of the inquiry, but it's on my credit report. I also called XXXX to dispute the inquiry and was told they don't dispute inquiries. Please have this inquiry removed from my credit report because it is making it very difficult for me to acquire credit.
Product: Mortgage

Dear CFPB, I 'm submitting my complaint regarding a consumer mortgage loan with Associated Bank that was obtained through the XXXX XXXX Mn branch at XXXX XXXX XXXX XXXX XXXX Mn XXXX on XX/XX/XXXX. XXXX # XXXXThe loan amount was for {$41000.00}. I became concerned when I noticed that despite on time payments, my principal balance had not changed. Associated bank offered me several explanations on my numerous visits to the bank to inquire, which never really made sense to me. I was told that it took several years for the principal amount to decease. My last visit to the bank to inquire about this was in XX/XX/XXXX. I had gone into the bank and or called previous to XX/XX/XXXX, at least XXXX times a year, always trusting that the bank was correct and it would take time for my principal balance to come down. 
I was also told that my loan was an interest only loan ( though I specifically had requested a loan that was not interest only ) since my XXXX mtg was an interest only and I did not want another one. The gentleman that oversaw my loan at its inception assured me it was not interest only. Incidentally this man was no longer employed at the bank within weeks of my loan ( I did see him oddly enough at a store and he would not speak to me ) I really became concerned when a bank teller who processed one of my payments whispered to me that I really needed to get out this loan. 
At present I have paid off somewhere around {$39000.00} dollars on this consumer loan, and still owe more than the total it was taken out for some XXXX years ago. By the time I pay off this loan I will have paid {$130000.00} dollars. 
I 'm quite concerned that this loan is predatory in nature, that I was taken advantage of because of my lack of knowledge of consumer loans and that the terms of this loan were never fully explained to me despite my numerous attempts at contacting the bank. 
On my last visit to Associated Bank, I asked the loan officer if he would have advised his Mother to take this loan? He would not answer me. 
I do not think a {$40000.00} dollar loan should cost me XXXX, and I m asking for the CFBP to intervene on my behalf. 

I have attached my original note for your review. 

Most Sincere Regards, XXXX XXXX XXXXXXXXXXXX
Product: Mortgage

BofA not comply with the Independent Foreclosure Review. They had a third party handle the payments and I would call them every two weeks and get the same response. Checks in the mail. Eventually they would say they had to cancel the check and reissue. This happened for 9 months. In addition, I foreclosed my mortgage in with a Chapter XXXX with the courts and BofA continued to call me for mortgage payments for a year after I had provided my case number and attorneys number to them. The mortgage account remained open and in collection/foreclosure status on my credit report for about 3 years.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The accounts that will be mentioned are inaccurate accounts. 
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I reached out to Clark County Collections agency in order to see what I can do to correct a medical debt they aquired. I spoke with XXXX telephone number XXXX and I was very patient with her, but she continued to be vague with her answers. Specifically I asked her if I could get a copy of the medical debt because I don't remember going to emergency that day. She told me that it would take 30 days to get the information, which is fine. The problem I have is how her tone changed when I asked her, about how long I would have as it relates to moving forward with the judgement. She said I need to refer to my paperwork, however, my paperwork has XX/XX/XXXX, but they served my neighbor the documents on XX/XX/XXXX, while they were taking out the trash before going out of town. I had to advise her that she's not clear and I need to know if I have time to wait on these documents, and eventually she gave an answer, but her tone is rude. Mean while I'm trying to reach out to all parties involved. I call XXXX again XX/XX/XXXX, to advise that I can work out some arrangements, but I'm the only income in my house. She has no compassion, I ask to speak with a manager. She gets me to XXXX telephone number XXXX and I'm trying to work out arrangements or a settlement with her. I asked XXXX how long do I have to decide what I'm going to do, and she as the supervisor gives me a vague answer. At this point I'm really frustrated and I need to know how long before they move forward with the judgement, and her tone changes, as she states you need to refer back to your paperwork because she doesn't have it in front of her. I disregard her tone at this time, and address the fact that my paperwork says XX/XX/XXXX, however my neighbor was given this information on XX/XX/XXXX, so I don't have a clear timeframe because I have two different dates. As I told XXXX about the situation of my neighbor being served and not me, she entertains the conversation. I explain to her how I know it happened, but I'm not clear because, the paperwork was given to my neighbor, handed to my husband and then given to me. She said that she doesn't know the person is but they use XXXX, and then asked me is there anything else she can help me with, in rude tone. When I ask her for the number, she displays a more irritable tone. The call at this time goes south, where she's talking over me and she's refusing to assist me because all she wants is the money. I'm a customer and there is no reason that u shouldn't be treated as if I'm an XXXX, and they would feel the same way if they were in my shoes. As a consumer I have a right to ask questions about my account, and get a clear understanding and the treatment they gave me was unfair. To not answer my questions, take a tone as if I'm bothering them, and over talk me, made me feel that they weren't interested in working with me and they would prefer to garnish my checks.
Product: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

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

On the date of XX/XX/2022 I disputed several inaccuracies on my report. All were removed, but two has come back & it's causing severe damage to my profile. According to the FCRA several of my rights have been violated. 
15 U.S.C.602A : States my right to privacy 15 U.S.C. 604A : States a consumer Reporting Agency can not furnish my information without my written consent. 
I did not give permission for any of these companies to furnish my information.
Product: Vehicle loan or lease

Dispute number XXXX : If the culmination of systematic payments and insurance checks pay the 75 month account off many months before it was due, why is there still a year 's worth of late payments on my record? The monthly payments of {$110.00} were slightly over what was requested every month. Both the primary insurance and the GAP insurance had to make their payments before I started making mine. The GAP insurance payed late, plus I had a dispute with them. Once I started making my payments, they were slightly over the amount requested, on time, and resulted in paying off the contract many months before it was originally due. The report of late payments is inaccurate and needs to be removed.
Product: Debt collection

They are sending harassing phone calls practically daily and do not leave a message. I have on idea who they are or what they want.