23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a formal complaint against " XXXX XXXX XXXX XXXX  '' for deceptive and misleading practices related to a credit repair service I signed up for in XX/XX/year>. 

I was promised by XXXX XXXX XXXX XXXX XXXX XXXX that they would assist in collectively increasing my credit score by 100 points within 90 days or longer. They also assured me that certain negative items could be, and most likely would be, removed from my credit report. However, after the 90-day period, none of these promises were fulfilledno items were removed from my credit report. 

After the 90 days, I was contacted by " Denefits '' and informed that I owed {$1300.00}. A representative from Denefits explained that since the 100-point increase in my credit score did not happen, the business canceled the contract, and I was responsible for the amount mentioned and all credit repair services were stopped. 

On XX/XX/year>, I discovered that Denefits had reported a new " Installment Sales Contract '' on my credit report with a balance of {$1600.00} which doesn't match the amount originally told to me. I believe I have been scammed and that I was deceived and misled into signing up for this service under false pretenses. The promises made by " XXXX XXXX XXXX XXXX '' were not fulfilled, and the subsequent actions by " Denefits '' have only exacerbated the situation, putting my financial future at risk. 

This has come at a particularly critical time, as I am in the process of refinancing my home, and this new entry has the potential to severely impact my ability to close on the refinancing. 

I kindly request the CFPB to investigate this matter and take appropriate action against these businesses to prevent them from causing further harm to consumers. I want this removed from my credit report immediately.
Product: Student loan

I have student loans with Aidvantage and have been on the SAVE plan since XXXX. The SAVE plan is under litigation and according to Aidvantage, this means that the interest should be set at zero while the litigation is pending. My interest has continued to accrue everyday and has caused my loan balance to grow over XXXX more since the interest continues to accrue. My Federal student loans have only continued to grow and the balance is now over XXXX when I only borrowed XXXX for my XXXX XXXX XXXX and XXXX for my masters. The balance increases daily. I have requested twice to have this corrected with no success. I called on XX/XX/XXXX and was told by the customer service representative that my loans had been discharged and they are not.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXXXXXX XXXX on XX/XX/XXXX under account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

credit karma tells me my credit score is XXXX but when I log on to XXXX, and XXXX it shows it as XXXX seems like they're embellishing or miss leading me and then I go to fill out a application for a credit card thinking that I have a good chance in actuality I don't this has caused me to inquire three hard inquiries which I wouldn't have gotten if I would have known my true score
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX, XXXX XXXX Credit Bureaus/Mortgage Processing XX/XX/XXXX TransUnion, XXXX - XX/XX/XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX TransUnion 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Money transfer, virtual currency, or money service

Paid a deposit fee of {$50.00} using zelle ... to a XXXX XXXX, email address : XXXX For a XXXX puppy he promised me. 
The agreement was {$50.00} deposit and I was to pay the additional {$250.00} when we meet for the exchange. He quit responding after the 50 was sent
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which XXXX and XXXX, Transunion wasn't able to resolve.. The student loan was reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX
Product: Mortgage

We have been trying to get a demand for payoff of this loan since XX/XX/2020. We provided Fay Servicing all they needed to confirm the borrower, XXXX XXXX passed away and his wife XXXX is in escrow to sell this property. Escrow is scheduled to close TOMORROW and we still don't have the payoff. I spoke with XXXX XXXX who is a manager in the payoff department, and he advised me to re-submit my entire request to another department, so now we are having to start all over on our request. I did that, but still don't have a response from XXXX. I need a demand TODAY as they are holding up the sale of this property, and the buyer 's interest rate is expiring tomorrow. This will cause our seller to have to pay to extend the buyer 's interest rate.
Product: Checking or savings account

I have a tenant who was trying to pay rent and wanted to pay using Chime. I opened an account and accepted payment for {$1000.00}. I tried to initiate a transfer of those funds to my bank account which I linked to my Chime account, but they stated that I was not allowed to withdraw the funds until I activated the debit card that they would send in 7 days. One day later, I got an email from Chime stating that my account was found to have been in violation of their user agreement and the account was closed effective immediately and not eligible for a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

This mortgage was included in a chapter XXXX bankruptcy and was not reaffirmed. I have one 30 day late and from I understand this should not be reported on my credit report because I am no longer financially responsible. This has caused my credit to drop by 30 points. It is illegal to report this information as I am protected by the bankruptcy.
Product: Vehicle loan or lease

On more than one occasion my payment cleared my bank and was not credited toward my loan. This caused payments to fall behind. I would catch up and then another payment would not be applied. I have provided the company with the bank statements showing the payment clearing in hopes they would correct the account-to date they have yet to do so. I make bimonthly payments every month to complete a full payment and the account continues to show past due with an unbelievable about of late fees and interest due. I would not be past due if the missing payments had been applied. Unfortunately, I am not in a position to pay the additional fees and payments again but have and will continue to make my $ XXXX monthly payment ( payment is {$570.00} XXXX. I contacted the company lasts month to discuss the possibility of adjusting the due date to bring me current in hopes of saving money in fees, I was told that since they were a second change lender that would not be an option.
Product: Credit card

Reference made to XXXX I was denied to answer resolution of Apple card XXXX Here is my response I am writing to express my extreme dissatisfaction with the recent handling and total disregard of any consumer protection. Specifically, I received a refund of only XXXX out of the {XXXX} charged for a service that was not delivered as promised. 

The situation arises from a booking I made for a stay at the XXXX XXXX in XXXX for XXXX nights through an online XXXX Despite the attractive property displayed online upon arrival, I was confronted with disruptive construction that had not been disclosed beforehand. This construction significantly compromised the quality of the service and rendered my stay untenable. 

In light of these circumstances, I opted not to proceed with the stay and requested a refund for the full amount charged. However, I was shocked to receive a refund approved of only XXXX, which is grossly inadequate considering the total amount paid and the complete failure of the service to meet its obligations. 

I am deeply disappointed by this outcome and feel that I have been unfairly treated. I expect a full refund of the XXXX charged, as the service was not delivered as promised and did not meet the reasonable expectations set forth in the online agreement. 

I kindly request that you review this matter promptly and provide a resolution that reflects the gravity of the situation. I look forward to your swift response and a satisfactory resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hired numerous companies and sent letters myself to these reporting agencies. My legal name ends with a V and that is the only way I sign legal documents. Old addresses keep appearing and some address I have never held residence in. My address is XXXX XXXX XXXX XXXX
Product: Checking or savings account

I went out of town on XX/XX/XXXX and i lost my card before I left town. My pin number was written on my debit card due to the fact of me having hard time remembering my pin numbers as I have a few. After getting back to town on XX/XX/2022, I realized there were unauthorized withdrawals from my checking account and I realized I do not have my card. After contacting wells fargo bank to inform about what happened and filing a dispute, I was provided a claim number # XXXX. After a week or two wells fargo sends the decision of the claim being denied due to the fact that the pin number was used therefore the transactions are valid or were made with my permission. After calling wells fargo back and talking to a few representatives, one of the representatives reopened the claim stating that in the original claim it was stated that I was in possession of my card, which I clearly stated that I was not during the filing of the original claim. Another claim was reopened to further investigate the matter. the new claim number was # XXXX. After their investigation into this matter again, I received a letter stating the same thing that since the pin number was used then the transactions were valid. There were 4 different transactions ( withdrawals ) totaling to {$3900.00}. I have also sent my reservation itinerary to wells fargo claims department showing that I was checked into XXXX XXXX and Casino in XXXX XXXX and I also sent them the receipts of the rides I took using the XXXX XXXX XXXX while I was in XXXX XXXX to get from one hotel to the other. I have exhausted all logical means of trying to reason with Wells Fargo bank but all have been in vein. I state again that I have lost my debit card probably at the gas station when I was pumping gas to get on the road to XXXX XXXX from XXXX XXXX, and my pin number was written on my debit card due to my poor memory. 

I have previously tried to get the issue resolved and filed a complaint but the company did not resolve the issue. previous complaint number is XXXX
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 accounts/inquiries in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated these reporting accounts/inquiries as unverified information without providing any proof within the period allowed by law. The following accounts/inquiries need to investigate and correct for erroneous reporting in my file and are listed on my credit report : INACCURATE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$270.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5700.00}, XXXX XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$36000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$260.00} ; INQUIRIES : XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relatesXXXX XXXX XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure optionXXXX XXXX XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

My account with XXXX XXXX Cable was paid prior to being closed. XXXX XXXX Cable disagreed and sold the account to a collection agency. The account according to XXXX was removed XXXX and continues to be put on my credit report and is severely effecting my credit with all XXXX credit agencies. Also XXXX has stopped collecting on all my credit card debts and has discharged the debt in which XXXX forms were filed and paid for. This was an agreement with XXXX il because they were no longer collecting on the debts. However, they continue to report amount owed on my credit report instead of reporting it as zero like other accounts on my credit report by XXXX.
Product: Credit reporting or other personal consumer reports

This is a follow up complaint to an initial complaint. 

On or about XX/XX/XXXX DNF associates placed a trade line on my XXXX credit report. 

After disputing through several agencies the company responded that the line item was due to a XXXX XXXX credit card - allegedly taken out XX/XX/XXXX, with no payments made, closed XX/XX/XXXX. The debt was sold to XXXX associates XX/XX/XXXX. 

The FCRA regulations are clear that the date listed on the credit report should be the date of delinquency. The account is listed as opened in XX/XX/XXXX. In the response from my other complaint the company clearly indicates the account was opened XX/XX/XXXX, and with no payments made the date of delinquency would be 30 days after XX/XX/XXXX. 

DNF has changed the date on the account to park the debt. The date on the account should be changed to reflect their own records of XX/XX/XXXX as the open date and the delinquency date of XX/XX/XXXX. 

Debt parking is illegal. Fraudulently and knowingly reporting incorrect information to the credit bureaus is illegal. DNF should be investigated for debt parking.
Product: Student loan

I started noticing increases to my private student loans after I was eligible for the reduced interest rate program. I was paying {$360.00} a month when I was in the reduced interest rate program for 15 months and once I was no longer in the program the next payment was {$540.00}. Then the following month my payment increased again to {$570.00} and then again to {$570.00}. These slight interests every month has made it harder for me to save money for emergencies. It seems as if after leaving the reduced interest rate program the loaner has slowly increased my payment to make up for the money they were losing from when I was paying a reduced interest.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX and XXXX are consumer reporting agencies and I'm the consumer. I have rights to make sure my private info isn't shared.15 USC 6801 to respect privacy of it cu customers and to protect the security and confidentiality to those customers. XXXX and according to the fair credit reporting act 15 USC 1681 section 602 a state there is a need to ensure that the customers reporting agencies exercise their responsibilities with fairness and respect for their customers and the right to privacy. The l furnisher of information to credit agencies the financial institution and the Consumer Reporter and agencies Equifax XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Equifax and experience are not maintaining responsibilities procedures also 12 CFR section 1016.7 states that a consumer may exercise the right to opt out at any time! I am opting out of your reporting services!