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

Made payment arrangement on XX/XX/24 with employee XXXX to pay the regular payment on XX/XX/24, payment would be 9 days late due to financial hardship. Employee tried to solicit me to refinance the loan or post date a payment so that it would show in their records that the payment was still made in XXXX. I declined. Arrangement was agreed upon and noted in the account. 2 days later on a Saturday XXXX called, I declined call, she immediately called back, I spoke with her and again she was trying to solicit me to post date a payment otherwise I would risk not ever being able to obtain another loan with them. I declined for fear that payment would process early causing overdraft fees to me. XX/XX/24 XXXX called again trying to get me to post date payment again for XXXX so that it would show in records that I paid in XXXX. I declined once again. 
XX/XX/24 another call from manager XXXX this time, he tells me that post dating the payment doesn't benefit the customer it benefits the office so that their collection numbers look good that the payment would show as being paid in XXXX instead of on XX/XX/XXXX. I declined once again and voiced my displeasure in being continously harassed after a payment arrangement had already been made and I was within the 10 day grace period of due date. 
XX/XX/24 twenty minutes after XXXX called. XXXX called stating she was XXXX 's boss and we discussed everything that has happened, again o voiced my displeasure with being harassed and feelings of being bullied into making a post dated payment to make their office look good.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 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 The following inquiries are unauthorized : On XXXX. XXXX, XXXX, XXXXXX/XX/XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. On XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX,XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports.
Product: Debt collection

XXXX I got XXXX XXXX XXXX from XXXX XXXXXXXX and they approved me for credit. They evidently use Commentiy bank for the loan. Commenity mailed a statement that says pay your bill but they ask you to login and pay with a account number. I never received an account number. They contacted me about a past due balance, when I tried to pay them, I asked for my account number so I could pay online and they could not give it to me. Then immediately after the calls got worse. They harassed me several times a day and when I would answer they would hang up then when I would call nobody would help me. Like one person said they don't know my account number I called to speak with a supervisor and they would not transfer me. I finally told them not to call me anyone a few weeks ago. Now, today XX/XX/2023 I got a text from my sister, with an audio recording from XXXX XXXX XXXX option XXXX XXXX XXXXXXXX. This lady purposely called my family member who is not listed on any of my data. I am independent and never ever give out family members information. My sister is not involved in this and should not be harrassed like the. This hurt my feelings to have someone call my family member who is in Minnesota. I am in XXXX, NC and I have not told this company about any of my family. 
They researched my family members on XXXX evidently. I don't want them to call lmy family or me. This is ridiculous. I think they are harrassing me. I lost time from work today to call XXXX and try to report this. They told me to contact you. Please help me! I do not know what to do. I feel threatened, and that they are going to give out my credit information. I have had some issues with my bank account also. I dont know if they are doing anything with my social security number and I do not trust them. I have disputed their bill with the credit reporting agency. I don't want to be harrassed. I feel like taking out a lawsuit against them anyway because the procedure was painful and did not work. Please help! Thank you
Product: Student loan

fedLoan Servicing -- I have submitted my employee recertification form for PSLF verification, in XX/XX/XXXX, for the months of XXXX XXXX XX/XX/XXXX. Since I have been doing this annually since XXXX, I am aware that it generally takes about 2 wks, however effective today XX/XX/XXXX, nothing has been updated and I have received no information. I have called or communicated thru messaging on at least 5 occasions and have spoken to supervisors, only to be told we have no updates for you. Finally after my 4th call someone told me I should have uploaded my cert form thru a new feature on their site called the PSLF help tool and I would have been approved much faster, rather than uploading it to the usual " upload docs '' section. I have never heard this or done this so I resubmitted my docs thru the help tool in XX/XX/XXXX. Well, they approved my payments of XXXX XX/XX/XXXX, but left XXXX XX/XX/XXXX unreviewed! So I called again and they said it's still under review. I have had the same employer for 11 years and have submitted multiple employer cert forms- it absolutely does NOT take over 6 months to determine that my employer, a COUNTY, is a government agency. Furthmore, XXXX XX/XX/XXXX were reviewed and accepted within a week, thereby proving that it does not take 6 months. And why weren't all my prior months reviewed up to XX/XX/XXXX? What is the hold up? I am getting no answers, no help, no apologies, nothing. Furthmore, I noticed that they approved months XXXX XX/XX/XXXX for TEPLSF only, yet months XXXX XX/XX/XXXX were on the same exact payment plan with the same exact employer, and we're approved for BOTH PSLF and TEPLSF. Makes zero sense and I need answers and updated employer certification, bc as I learned by watching the news, they will not be my provider after XX/XX/XXXX, and I want my account current. I have done everything I am supposed to do on my end and I expect the same from them.
Product: Credit card or prepaid card

In XX/XX/XXXX-XX/XX/XXXX of this year I had a trip planned through XXXX .It was paid in full prior to traveling. While I was on this trip I had a dispute with the above mentioned company. It was settled and I was credited in the amount of {$1000.00} to my Saks World Elite Master Card, which is issued by Capital One. Since this was a credit on my account I called to get a check issued back to me. I have been waiting patiently and have been given the run around since the end of XX/XX/XXXX. Saks blames Capital One and vice versa. They both claim internal issues. As of this morning I have spoken to a supervisor by the name of XXXX, who rudely told me Capital One did not issue a check despite being told that numerous times that it was mailed and I should have received it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries.

15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$90000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$73000.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$90000.00} XXXX XXXX XXXX Balance : {$90000.00}
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that a result of identity theft I saw that I had some unauthorized inquiries, and I do not know where they came from. I believe I am a victim of identity theft, and these inquiries are hurting my credit report. I am in process of purchasing a home for my family and this is hurting my chances of being approved. Please remove the listed inquiries that I did not authorize. 


Experian XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

MTH Mortgage Company is owned by XXXX XXXX. I was purchasing a new home, and was told that I qualify without selling my current home as I could take money from our XXXX. Turns out that the XXXX is a non-qualified plan that does not allow withdrawals or loans until you are separated from the company. The mortgage company approved us having 3 mortgages ( we have a rental in CA ). Not sure how, unless they do not want us to eat or pay any utilities. They have retained EM plus options and upgrades monies in the amount of {$22000.00}. We understand that they need to keep the earnest money deposit, however even a partial refund of the options and upgrades would go a long way. The loan company was well aware that we could not get into this house unless we sold our current home.
Product: Debt collection

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX. acc # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX. acc # XXXX date opened XX/XX/XXXX XXXX
Product: Credit card

Around XXXX or XX/XX/XXXX from my recollection of the events I was double charged for a purchase which gave me a negative account balance. I caught the error a few days after and reached out to Chime customer support. I was told Chime would investigate the error and instructed to not use the account until the error was resolved. I would be notified after the resolution. My last payment automatic payment was XX/XX/XXXX. The negative balance as of XX/XX/XXXX, was {$360.00}. Time goes by and my account is suddenly closed XX/XX/XXXX, however before this date I could not access the account because Chime was investigating. Chime later reports to the 3 major credit bureaus that I have a balance of {$360.00}. Fast Forward to XX/XX/XXXX I'm working on fixing my credit. I reach out to Chime to see if there's a way I can pay the balance. They inform me there's nothing they can do so I dispute them through XXXX. On XX/XX/XXXX, at XXXX XXXX Chime informs me via the email registered on my account that information was accurate as of the date reported, and that they sent a response to the credit bureaus. On XX/XX/XXXX, I once again reached out to reopen my account and pay my balance after receiving an email about XXXX XXXX. It turns out I wasn't eligible, and it was promotional. I was once again told there's nothing I can do, and I asked about the investigation. I was told no relevant information and told to review my account. So, after exploring the Chime App I found a way to access my old transactions for XXXX XXXX which I haven't had access to since XXXX of XXXX. My transactions revealed that {$44.00} was refunded into the XXXX XXXX account from XXXX XX/XX/XXXX, and a year later on XX/XX/XXXX, Chime made an adjustment to my and refunded {$320.00} which cleared the account bringing the balance down to {$0.00}. I once again reached out to Chime asking why my account was closed falsely when I did nothing wrong and followed their instructions? Why is my account being falsely reported to the credit bureaus when the balance has been paid off since XXXX of XXXX? Why am I being told my account is closed when I'm still reaching account statements, and the account is still receiving transactions after XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

When I send my money to this company for investing in cryptocurrency they just take my money and give me back my profits after one year and then they didnt give me any profits again and they scam my original money and I think theyre just XXXX. The company named coin base.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 

3. Contact Information : My main contact number is : XXXX. I would like this number to be updated. 

4. Date of Birth : XX/XX/year> ( XX/XX/year> ) 5. Employer : XXXX XXXX, XXXX XXXX XXXX XXXX. Florida XXXX. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license A copy of my Social Security A recent utility bill
Product: Money transfer, virtual currency, or money service

Due to inadequate customer service and unfair practices, which violate the consumer financial protection act, specifically, cashapp failed to take timely and affective measures to prevent and address fraud on there platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act and regulation, they actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Mortgage

I used a company called the XXXX XXXX, XXXX. to help me with a mortgage " Adjustment '' after having issues with my lender 's payment process. My loan ID was incorrect and payment was " denied '' and considered " late ''. I sought out help to possibly get my mortgage adjusted and become current. I was told NOT to communicate with my lender directly and to send ALL mail received to the XXXX XXXX. I was asked to make payments of {$870.00} for the next 3 pay periods, of which I made these payments to the " XXXX XXXX ''. The process has taken over 3 months and now I have received a letter from my lender stating that they will not do any mortgage adjustment or forebance for my mortgage and that I must pay {$9700.00} + late fees within 16 days or I will be Foreclosed on. I can catch up on this mortgage if given another month or so, and plan to make a payment of half of the total balance due by XX/XX/2018 of {$5000.00} and will have issues trying to get together the additional ( approx ) {$5000.00} by my next pay day on XX/XX/XXXX, of which I will be an additional {$1800.00} past due. I have asked for more time, and have been denied this request. I have equity in the home that would more than cover these amounts, however after being scammed by the XXXX XXXX, I'm simply left with no time to recover.
Product: Money transfer, virtual currency, or money service

DEAR CONSUMER FINANCIAL PROTECTION BUREAU SO IM SENDING WRITTEN ONLINE EMAIL ABOUT IM HAVING DELAY PROBLEM ISSUES WITH & FINANCIAL BUSINESS COMPANY GOES BY THE NAME OF INGO MONEY INC SO I CAN EXPLAIN MORE DETAILS ABOUT THE TYPE OF PROBLEM ISSUES IM HAVING REGUARDING INGO MONEY INC OFFER CHECK MOBILE CHECK DEPOSIT SERVICES SO IN ORDER FOR U TO CASH & VALID CHECK ENCLOSE THRU THEM U HAVE TO HAVE VALID ID FORM SURCH AS STATE ID CARD PHOTO ARE DRIVING LICENSE ID CARD THEN U MAY HAVE TO UPLOAD PHOTO COPY BACK IN FRONT OF ID CARD PHOTO IN ORDER TO CASH SMALL BY USING INGO MONEY INC PROCESS FEES IS TOTAL AMOUNT XXXX DOLLARS EVERYTIME IF U NEED FUNDS THAT SAME DAY POSTED CREDIT INTO YOUR CHECKING ACCOUNT DEBIT CARD NUMBER SO INGO MONEY INC SO BLOCK PERSONAL ACCESS FROM ALL OF MY ENTIRE FAMILY MEMBERS GOES BY THE NAME OF XXXX FAMILY RESIDENT CAN NOT ACCESS THE INGO MONEY APP TO CASH A CHECK BECAUSE INGO MONEY ARE SAYING THEY FOUND FRAUD TRANSACTION GOING ON BY ACCESSING MORE THAN ONE PER CHECKS TRANSACTION PHOTO COPY AMOUNT WHO EVER WORK FROM INGO MONEY INC SECURITY TEAM LOOK LIKE TOO ME THEY ARE NOT FOLLOWING RULES & RUGULATION OF PRODUCT FINANCIAL SERVICES CONTRACT AGREEMENT BETWEEN THE BUSINESS AND THE CONSUMER CUSTOMER FINANCIAL POLICY ACCOUNT SO I CAN PROVIDE ALL THE PHONE NUMBER TO INGO MONEY INC CALL CENTER CUSTOMER DEPARTMENT XXXX XXXX INGO MONEY INC BUSINESS EMAIL ADDRESS XXXX XXXX so ingo money business inc has previous close my ingo money mobile check deposit account out WITHOUT TELLING THE CONSUMER CUSTOMER I HAVE RECENT SPOKE TO TWO TO THREE DIFFERENT SUPERVISOR AT INGO MONEY INC CUSTOMER SERVCIES CALL CENTER
Product: Checking or savings account

Im not able to access my account to provide dates. 
I received a tuition reimbursement check but it was a scam. The check was deposited but did not clear. I already had money in my checking account at the time. The next thing I know I'm not able to access my account and they wont tell me anything. Ive been calling for months. Ive never even received a lettter in the mail. Its like my account is gone. I have XXXX dollars in the account that im not able to access and I need that money as im not currently employed. I call and get no where.
Product: Credit reporting or other personal consumer reports

My personal information was stolen XXXX, authorities were contacted, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating USC 1681. 

Ive also noticed a list of credit inquiries that I did not authorize and should be blocked from being reported due to it being identity theft, per 15 US 1681C-2. The inquiries are : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX Personal Loan Companies XX/XX/XXXX XXXX
Product: Credit reporting

XXXX told me they where running a soft credit report for me get a phone plan with them because they do not have contract accounts and its reported on my credit report as a hard credit inquiry instead of a soft credit inquiry like XXXX stated to me