23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

XX/XX/XXXX I received an auto loan through Santander Consumer USA. The amount financed was {$14000.00}. The terms are {$350.00} per month for 60 months at 17.15 % interest. This loan has been deferred several times moving my maturity date XX/XX/XXXX. As of today, my loan is current, but there is a discrepency in the total of my remaining payments and what the finance company states the balance is. They are stating that the balance is {$8100.00}. I have 14 months left on my loan at {$350.00}, which totals {$5000.00}, leaving a {$3000.00} discrepancy. I contacted them and spoke with XXXX. She was extremely rude, stating this is a simple interest loan. She stated she would email me the payment history and I would have to speak with an accountant, then simply hung up on me. I contacted a Loan officer at my bank today who reviewed the information, and also saw this discrepancy. She told me to contact The Bureau of Consumer Financial Protection and Better Business Bureau, and file complaints.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Credit card or prepaid card

On XXXX - My bank issued a payment in full of XXXX to my credit card company. 

The check was cashed on XXXX. 

I have contacted the credit card company NUMEROUS times because the payment has yet to be credited. The company has created numerous tickets, expedited my case, and yet I get no response, no call back. Last Ticket Number is XXXX and prior to XXXX XXXX The credit card company took an autopayment from my bank. 

XXXX The credit card company applied an interest charge of XXXX I have been calling, calling and calling the credit card company, they place me on long holds, transfer me to the wrong departments and this has continued up to the time of this writing. 

I sent an email to the cc company with dates, check number and amount. I asked for a number or email address to send a copy of the cleared check. The email response from the cc company is ..... 

" In order to provide you with the most individualized service possible, we ask that these requests be made through our Customer Care Department. Please contact us at XXXX. Our agents are available 24 hours a day, 7 days a week. We apologize for any inconvenience this may cause. '' I have a letter from my bank that issued the check for XXXX, with front/back copy of the check. I don't know what else to do. The company is not at all helpful
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened : XXXX Balance Owed : {$56000.00} Late/Open
Product: Debt collection

Email received from NetCredit XXXX Please Make a Payment Today Dear XXXX, Account # : XXXX Please make a payment as soon as possible by signing in to your account or calling us at ( XXXX ) XXXX. 


Your account is severely past due. We understand that certain circumstances may affect your ability to meet your financial obligations, and NetCredit is here to help! If you are having trouble making a payment right now, please give us a call and see what payment options for your past due balance may be available to you. 
Please find a detailed summary of your account below : Loan Number XXXX Past Due Payments 68 Past Due Amount {$10000.00} You can now make payments online with a valid debit card or bank account on file.
Product: Credit reporting or other personal consumer reports

I request that you promptly remove this from my XXXX XXXX as it is not associated with me and is clearly fraudulent.
Product: Credit card

I purchased appliances total almost {$5000.00}, the contract was XXXX interest until XXXX XXXX ( minimum payment ( {$140.00} ). I have been paying pre scheduled weekly payments that totaled {$300.00} to {$350.00} every month until XXXX XXXX and changed it to Bi weekly and some weekly, paying smaller amounts thinking my payments should of been XXXX due by this time. This month I am showing a minimum payment {$210.00} and a past due of {$57.00} when I only owed XXXX to pay it off. 
The Customer Service agent I called and tried to explain something was wrong and that I was charged a late fee of XXXX when I should be way ahead of schedule. He was very rude. I am considering closing all my Synchrony Accounts if this is how they are going to treat their good customers
Product: Credit reporting or other personal consumer reports

Request from the company to provide Debt Validation letter to include my signature, chain of assignment, forward flow agreement, purchase agreement per the following regulations : 605B 15 USC 1681 C-2 15 USC 1681 ( e ) B
Product: Credit reporting or other personal consumer reports

provide proof of claim otherwise, delete this account from my credit report, provide the SSA89, proof of assignment of claim, Affidavit of loss, 1099c, application, GLBA disclosures, and all executive-level proof of claim you are in violation. Your actions will be considered fraud, extortion, harassment, and abuse. 
This alleged debt needs to be deleted and removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX and EQUIFAX Credit Bureaus. In XX/XX/XXXX, a debt collection company XXXX XXXX XXXX XXXX filed a credit report in my credit record with the credit bureaus in error. It was an error because I was a victim of an identity theft in XXXX, when someone residing in the XXXX XXXX XXXX  where I never lived, opened a Phone account in my name, at a state which I never lived. When that account was opened, the phone company failed to verify the address of the fraudster from a government issued ID ; so bills in my name were mailed to an address in a state that I never lived in. I filed a dispute with XXXX, EQUIFAX and XXXX. XXXX did an investigation and accepted my dispute. To my utmost disappointment, XXXX and EQUIFAX did not honor my dispute, probably due to suboptimal investigation. XXXX dropped my credit score from XXXX to XXXX, thereby willfully damaging my decades of exceptional credit history. And EQUIFAX also dropped my credit scores into the XXXX. 
On XX/XX/XXXX, I filed our complaint against XXXX XXXX XXXX XXXX to the XXXX XXXX XXXX XXXX ( XXXX ), which reached out to XXXX XXXX XXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX informed CPFB that they now acknowledge that I was a victim of identity theft, and that they have requested that all three credit bureaus remove this credit report from my credit record. XXXX XXXX XXXX also sent me an email stating that they have closed this credit and that they requested all credit bureaus to delete it. 
XXXX has restored my credit scores to XXXX. But XXXX has stubbornly declined to restore my credit or remove a history of negative report from my credit record. Same with EQUIFAX. So, I am filing this complaint before getting my lawyers involved.
Product: Debt collection

I have never received a bill from the original creditor and do n't know why I owe this much money. I sent a letter to the collection agency to get information about this debt including the last billing statement that shows why they believe I owe this money. I did n't hear anything back from the collection agency so I called them earlier this month. I was told that they will not send out anything to me and asked me to pay the full amount. I do not want to pay anything if I 'm not given proper documentation as to why I am paying it.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your failed to mark the XXXX`s account with a balance of XXXX- account # XXXX as disputed by consumer within 30 calendar days of my first dispute in XX/XX/2016 and you still failed to provide the original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Now that you have violated the FCRA, I`m now entitled to XXXX per occurrence of each violation. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if the XXXX`s account with a balance of XXXX- account # XXXX is not deleted immediately. 

I`m filing this complaint through the Federal Trade Commission because this will be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

This item listed on my credit report in violation of Federal Law. You are required under the FCRA to mark this item as disputed by consumer within the first 30 calendar days since my first dispute in XX/XX/2016 and provide me a copy of my original documentation ( a consumer contract with my signature on it and yet you still have failed to honor my demand. 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

I hereby demand immediately deletion of the XXXX`s account with a balance of XXXX- account # XXXX from my report in which you violated Section 623 ( a ) ( 1 ) ( A ), Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified immediately.

Please note, you have already violated Section 623 ( a ) ( 1 ) ( A ), which you failed to mark as disputed within the first 30 days of my first dispute in XX/XX/2016, which entitles me to XXXX for damages and other violations by not providing me a copy of the original contract with my signature. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you, thats why Im filing this complaint through the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent accounts and inquiries were attributed to my credit file that I have No knowledge of, nor have I benefited from
Product: Credit reporting, credit repair services, or other personal consumer reports

We had to file a bankruptcy in XXXX of 2021 and I had kept my vehicle I still made my payments on time every month still up to this day and because I did not sign a another form they had sent me they dont report that I make my payments though they report that I do not make my payments to the credit report making my rating a negative result when I pay them every month now I feel that I am paying them every month they should not be able to report negative reports on me if anything dont do nothing I am paying on time every month it is not fair and it is not right for them to do this you will find a copy of my check for XX/XX/2021 I sent them for my payment that they have on the credit report as a negative payment so you will see the false information they are giving to hurt people
Product: Credit reporting, credit repair services, or other personal consumer reports

ORIGINAL LOAN IS THRU XXXX XXXX - XXXX STILL REPORTS NEGATIVE ON MY REPORT- XXXX XXXX THE DEBT TO XXXX XXXX XXXX XXXX ITS BEEN SOLD AND THE DOLLAR AMOUT STILL SHOWS A XXXX- XXXX XXXX XXXX XXXX WANTS TO SETTLE WITH ME AND I THINK XXXX ACCOUNT SHOULD COME OUT OF MY REPORT ASAP FROM EXPERINA AND XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXXXXXX Balance : {$750.00}
Product: Credit card

I made an in-store payment on my account on XX/XX/XXXX, and I have the receipt for my records. For some reason, Macy returned my payment and issued me a check. I called and requested that the check be credited to my account. 
Several weeks pass, and I receive a statement with a balance due, interest, and late fees. 
Finally, after several calls, they told me to cash the Macy 's check that was issued and make the payment again. I did that, but in the process, Macy 's continued charging me late fees and interest, which affected my credit score tremendously. 
I called again on XX/XX/XXXX, and I was told to call back in a month because my account is currently under review, and there is nothing they can do. They said the account is charged off. My issue is that my account should have never been charged off or accumulated so many late fees and interestalso, my credit score.

It has been over a year, and I have not gotten any help.
Product: Credit card or prepaid card

On XX/XX/XXXX I pre-paid for a service with XXXX XXXX that was supposed to consist of a total of four days. By the second day I felt that my life was in danger due to incompetence and unexperienced personal. An ambulance had to be called due to the nurses negligence, therefore left during day two of services ( half  way through service ). Since they defaulted on completed the full service as agreed upon and putting my life in danger therefore feeling I had to leave I disputed half of the amount of the bill which was {$750.00} from the full amount {$1500.00} which was billed on XX/XX/XXXX. Capital One adjusted my bill in the amount of {$750.00} on XX/XX/XXXX. I then never received any word or form of documentation from Capital One regarding the active dispute therefore believing everything was copacetic. Then on XX/XX/XXXX I was re-billed {$750.00} on my account following with a voice message from the dispute department. I immediately contacted them back and they stated since I did not reply to mail they had sent that the case was closed and that there was nothing that they could do. I informed them that no correspondence was ever received on my end regarding this matter. They then told me that there is nothing that they can do. I refuse to pay for a service that was not received. They made no attempt to try to resolve the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Everyone pulls equifax, lenders and employers. They are the worst agency to deal with. 
I have discharged chapter XXXX dated XX/XX/XXXX. The other 2 agencies have the updated bankruptcy information all accounts XXXX, not Equifax! I tried to pull my annual free report, IT DIDNT GIVE ME A 10 DIGIT CONFIRMATION #. TRIED TO LOG ON TO DISPUTE, IT ASKED ME FOR THE 10 DIGIT REPORT ID, WELL IT NEVER GAVE ME ONE. because free report didnt give me a 10 digit ID, it would not let me continue to dispute, stating it could not pull my information. I was denied credit. Their system telling me I can not be verified even though I am answering all of the verification questions that are pulling directly from my own credit report. I even tried to pay for a report just to get online to dispute these items. It is still saying it can not verify my information even thorough I am inputting my SSN, DOB and my drivers license number. Meanwhile, due to their INACCURATE information, I'm getting turned down for credit and taking hits to my credit score because they wont let me access my OWN CREDIT REPORT, making it difficult to dispute any information. 
They are telling me to make a copy of my DL # and my SS card and proof of address and MAIL it to them .... SNAIL mail. That can take 30 DAYS OR MORE TO PROCESS. 
UNACCEPTABLE. THIS NEEDS TO CHANGE. LET ME CONTROL MY REPORT NOT YOU CONTROL IT AND LOCK ME OUT OF IT. NOT FAIR EQUIFAX. 
THE CFPB NEEDS TO INTERVENE AND MAKE THEM BE MORE ACCESSIBLE DISPUTE INACCURATE INFORMATION.
Product: Debt collection

I contacted the bureaus, and XXXX about a telephone bill that is not mine. I proved to them that I am victim of Identity Theft. An ID Theft Report was sent these companies, they could not validated the XXXX account which was purchased by XXXX XXXX. It seems XXXX has sold the account twice. The second company being DIVERSIFIED CONSULTANTS, which has inserted a negative mark on my credit.
Product: Student loan

For the last XXXX months, since XX/XX/2023, BEFORE my due date to make my first payment on my student loan, I have submitted ( 3 times now, once in XXXX, once in XXXX and another time in XXXX ) for a Deferment request as I attended part time ( XXXX credit hours ) school for the semester of Fall 2023. I have submitted official documentation from my school as proof of my enrollment as well. Not only do I not receieve confirmations, I only see a " we are processing your request '' banner when I check the progress of my request a week or XXXX after I submit. Then, that notice disappears, with NO track or record of my request in my Nelnet account either. Like I never requested anything. Then a few weeks later, I get a notice about my payments being late. I have tried calling numerous times, to be on hold for a long time ( XXXX minutes ) then the call dropping/ hanging up once it is my turn. I have tried to email them, as I realized last month this is affecting my credit score and continues to do so ( the last time I requested it was XXXX, this time I took screenshots and saved everything ). I just attempted to call them again as this is the third time my requests not only disappear, but doesnt go through. And again, affecting my credit score for the third month in a row.
Product: Prepaid card

I did finally receive the account statement after the fifth time requesting it. I have also asked for other information which has only been provided in part. The BofA sent a pdf file in response to the first complaint I filed against them. This included letters that the bank had previously sent out intended for me regarding disputes that had been filed in the past. The letters included were only a part of the letters that should have been sent out. This response also did not include the account statement I asked for. I now see why the bank gave me such a hard time. In XXXX of 2024 the bank debited over XXXX that had been sitting in my account for months. I was not aware this money was sitting in my account. Not only did I not get any notice in the mail because if notice had been sent out it likely would have gone to the wrong address but BofA did not include any information about this in the response through the CFPB. No notice no reason. Why debit this money out of my account.
Product: Debt collection

I have disputed this money that they say I owe.each time I dispute this on my account the original dates change This has been on my account and have been sisputing since XX/XX/XXXX now since the last dispute they are showing the date of the year XX/XX/XXXX.I have also asked this to be verified with the a signed contract with my signature with all XXXX credit bureau which has not been presented. I want then to stop and remove from my credit report or provide a signed contract which I have never done with this company.Diversified Consultant in XXXX Fl
Product: Payday loan, title loan, personal loan, or advance loan

I was forced to psy off the loan after my mom passed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their 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 ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.