23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They call me 15 to 30 times a day and keep asking for money and they call me and my husband. I pay a payment and they call that afternoon about my next payment. I admit I was 30 to 65 days behind because of medical issues or the fact my husband was out of work. I admit that but I have tried to pay payments when they are due and when I pay two payments they still call when my payment payment is just 2 or 3 days past due. I want them prosecuted for harrassment for XXXX on my life I get so upset cuz they call and just keep wanting a date that I can pay and when it 's gon na get pd and when I give them ideas on how I can pay them they say you ca n't pay it that way u need to do it immediately or we are coming TODAY RIGHT NOW to pick the car up. When in the agreement it states that they only come after the vehicle when it is 90 days past due that is the only time they can threaten this. Please help me I have a lot of stress on me being a one paycheck household and I had to get boarders to live with me just to get my rent pd so it 's not like I am trying not to pay. As of right now I am 14 days past due and this am they added a whole bunch of late fees etc to the payment I need to make after another person took them off when I paid my payments up to help me. It is United Auto Credit and I want to press charges for harrassment and XXXX on me. Thank you. XXXX
Product: Other financial service

I needed to consolidate my student loan because I needed an extension of time to pay and a company on line said they would do the consolidation, but I would have to pay {$1000.00}. They ended up submitting my loan to XXXX XXXX. I just spoke with XXXX XXXX and they told me that their service is free and that I should not have had to pay anything. Can you help me to get my money back?
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf regarding late payments reflected in my credit record. Despite sending multiple letters over 30 days ago, I have not received a response nor satisfactory validation. I kindly seek your assistance in resolving this issue.
Product: Credit card or prepaid card

I have disputed charges made fraudulently on my account while in XXXX, XXXX. The charges were credited to my account while they were being investigated by Chase on XX/XX/2019 in the amounts of {$2000.00}, {$5100.00}, and {$2000.00}. During the initiation of the dispute on my end, I told the credit card company that while I handed my card over to the establishments to secure a seat, I have never authorized the transactions. I also inquired about receipts, which when provided to me by the credit card company, did not even remotely contain anything that resembled my signature. The company prematurely finished its investigation essentially telling me that because I handed my card to someone, I was responsible for the charges. I explained that I never authorized the charges and paid in cash. The credit card company re-investigated the issue and after me providing them with a copy of my signature, simply concluded the same thing as part of initial investigation, that I was responsible because I gave my card to someone. After 5 months of stalling, significant interest has also occurred placing my card into late payment territory for the first time in years.
Product: Debt collection

My credit score was hit multiples time by a debt I never had from the company below for the amount of {$880.00}. I've never received a loan from this company or ( XXXX ). All debts I currently owe are in good repayment status. The disputed debt in question was never mine and I never received any money from this company or ( XXXX ) in my bank account. 

XXXX XXXX XXXX Date opened XX/XX/2023 Status Collection account. {$880.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 Balance {$880.00} Balance updated XX/XX/2023 Historical info Original creditor XXXX  Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Comment
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 at XXXX PM EST I made a purchase at a store called XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at {$260.00} each which was then discounted to a total of {$620.00}. 

Some time later XXXX XXXX XXXX as a company was dissolved as it came out that the company was actually a XXXX scheme. More about this situation is available online. 

On XX/XX/2022 I filed a dispute for the beforementioned purchase at XXXX XXXX XXXX as the company had been dissolved and they no longer were going to be able to provide the items I had ordered. This was well within Paypal 's 180 day deadline for disputes. The dispute was filed as " XXXX not received ''. Once I filed the claim they gave XXXX a chance to respond to this claim. The allocated time had passed, XXXX never responded, but the case was not closed in my favor. 

On XX/XX/2022, the case was closed as Paypal had deemed " this transaction is ineligible for PayPal XXXX XXXX. '' According to their own website : " You're Protected If : Your order never arrives. 

All you have to do is log in to your account and open a dispute to get the refund process started. If you made the purchase on XXXX, start here instead. '' and their site goes on to say " If an order doesnt arrive or it doesnt match the description, well reimburse the full cost of eligible purchases plus original shipping. '' source : XXXX XXXX XXXX They have not provided a reason for why this dispute is inelligible for PayPal XXXX XXXX XXXX I placed an order, shipping information was never provided, The item never arrived, so I dispute the transaction within the timeframe and get rejected. 

On top of all of this, Paypal never notified me that the dispute had been closed. I had never received an email to let me know it had been closed. As a result I have gone past the allocated amount of days to respond to the closed dispute
Product: Credit reporting or other personal consumer reports

According to the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an XXXX XXXX helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I XXXX XXXX XXXX kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

XXXX XXXX XXXX {$59.00} XXXX XXXX
Product: Debt collection

On XX/XX/2021 @ XXXX PM - I received the following notification from " AFFIRM " - ( via email ) regarding an investigation I requested of an unauthorized account. However this account is still negatively reported on my Credit report as of XX/XX/2021 and is impacting my credit score negatively. As a result, I can not refinance my house or car, My Homeowners insurance rates have increased and I have been placed in a status for potential non- renewal, My credit account limits have been reduced, and I can not write even write checks at the grocery store. 

The Email Reads : Hi XXXX, We are writing to you in response to your unauthorized dispute claim and have completed our investigation. Our review has concluded a resolution in your favor. Rest assured, you will not be held responsible for the Affirm loan ( s ) made in your name and the loan ( s ) will be removed from your credit report in our next reporting cycle. Please note most updates take 30-60 days, but in some circumstances may take longer. 

We have also placed restrictions on this Affirm account from obtaining any future loans. 

We sincerely appreciate you contacting us regarding this unauthorized activity. We apologize for any inconvenience this may have caused you. Please do not hesitate to contact Affirm again with any additional questions you may have. 

Best Regards, Affirm Account XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently paid off a vehicle loan. To my suprise the lending company issued a 60 day delinquency againt my credit report. I have not missed a payment in 5 years. I have not received my vehicle title from loan company. I have atempted to speak to company representative /supervisor but No superior is ever available. Ive called company 3 times to get vehicle title. The company claims title was mailed on XX/XX/XXXX. It is XX/XX/XXXX I attempted to resolve issue with lending company but no resoluton was reached. I sent dispute to three credit reporting companys but issue was not resolved. My credit score dropped over 80 points. My credit score is now in the low 600 's
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

I opened an account with SoFi on XX/XX/2024. I received a deposit of XXXX from my employer. I then attempted to link a friend 's account to transfer funds. Shortly after this, my SoFi account was frozen, and I was informed by the internal review team that my funds would be frozen for an undetermined amount of time. I spoke to the internal team and they were extremely rude and refused to let me speak to a manager and provided no additional support.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 

XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX  : # XXXX, XXXX  XXXX : # XXXX, has violated my rights. 

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: Mortgage

SPS is refusing to provide me with a detailed breakdown of the advances it's charging the loan account. I am a successor and I legally am entitled to the information.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report Within four business days, Pursuant to section 605C Of the Fair Credit Reporting Act. I am a victim of Human trafficking of Debt Bondage and woukd like for all listed acxounts to be Blocked and deleted from TransUnion. please delete the following accounts. XXXX XXXX bal. {$2100.00} and XXXX XXXX XXXX XXXX. {$5600.00}
Product: Student loan

I called on XX/XX/2022 to request a refund of my student loans ( {$10000.00} ). Since then I have called several times to check on the status and all I get from them is " your refund is being processed by the Treasury Department ''. It has almost been 5 months and I was told the whole process would take 8-12 weeks.
Product: Credit reporting or other personal consumer reports

I am a natural person, i attempted several times to resolve the issue nothing was done. I am a living human being and I have rights under 15 USC 1681. XXXX, XXXX and Equifax is governed by 15 USC 1681 and they've violated my rights numerous times. My personal information has been exposed in breaches, and information inaccurately and unlawfully reported. According to 15 USC 1681 I have a right to privacy and I never gave Equifax written or oral permission to furnish these accounts. I demand these accounts listed below are removed from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX on my report is showing open.That account was a settlement and closed for some reason Experian opened it backed up and reported delinquent payments on my credit report.THAT IS INCORRECT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This investigation has taken longer than 30 days and according to 15 U.S. Code 1681i, inaccurate, incomplete, and unverifiable information should be deleted and removed from the consumer file immediately. 

I am also including my prior CFPB claim.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has closed the account and when logged in to the account it is showing no balance ; the account has been charged off for several months with no correspondence and status on if the vehicle was sold in an auction or status on the overall account. since they have not tried to contact me and its not in collections or with a 3rd party ; it seems as though the debit is satisfied on their end and needs to come off my report.
Product: Credit reporting or other personal consumer reports

it is my belief that my information was used in an identity thief from my ex landlord when i was doing repairs on the house and his sister that was getting rent from me but was not reporting it to the Michigan department of human services. i informed them that i was going to expose the matter. i was removed from the home years ago and unfortunately some of my mail continued to be sent to that address. i reported the use of my information to Opploans that has reported this item on my credit report which is hurting my credit score as we speak. my id number with the ftc XXXX doing the Covid 19 relief funds they tried to get me to fill out forms to submit for non payment but i had receipts that i paid rent. most of the family has moved out of town or deceased. also this not being my loan i did in fact submit repayment because it coming in my name. Section 22750. ( a ) states if any amount other than, or in excess of, the charges permitted by this division is willfully charged, contracted for, or received, the contract of the loan is void, and no person has any right to collect or receive any principal, charges, or recompense in connection with the transaction. ( b ) if any provision of this division is willfully violated in the making or collection of a loan, whether by license or by an unlicensed person subject to this division, the contract of loan is void, and no person has any right to collect or receive any principal, charges, or recompense in connection with the transaction ( Amended by Stats 2013, ch 467, sec3.. ( SB 318 ) Effective XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Disputing Information in Credit Report I am writing to dispute the following information on XX/XX/2023 from the company XXXX XXXX 

This is inaccurate becauseI did not authorize an inquiry. I am requesting XXXX be removed from my credit report. 

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
Product: Credit reporting or other personal consumer reports

XXXX XXXX allowed for someone to open up a loan account in my name without asking for or obtaining any ID verification. I have reached out several times with no success. This is a fraudulent account. I have also informed police.
Product: Debt collection

I am a victim of identity theft and fraud, where there were multiple credit applications for credit cards and loans filed under my name. This account was fraudulently opened without my permission and consent, I request you to remove and close this account. 
I have already filed a police report and FTC report, this fraud case is under investigation. 
I have contacted three credit bureaus, I have a fraud alert and personal statement in my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are late payments on my report that is causing me hardships and stress. I am DEMANDING you to remove these illegal late payments under 15 U.S Code 1666b ( Correction of billing error ) you are illegally reporting transactions on my consumer report. According to 15 U.S. Code 1681b, permission is needed to report on my consumer report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fufilled its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed informed credit report.Leaving inaccurate or unverifiable accounts unresolved. The Consumet Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumers - provided evidence to furnishers, accepting, unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit report standing. I am requesting immediate corrective actions to remove or amend the disputed accounts, as Experian 's inaction violates federal laws and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I TRIED DISPUTING THIS ACCOUNT ON MY CREDIT REPORT FOR THE LAST 8 TO 9 MONTHS AND STILL NOTHING HAS BEEN DONE ABOUT THIS. XXXX HAS NOT DONE ANY KIND INVESTIGATION ON MY DISPUTE WHAT SO EVER AND THEY ARE ALLOWING XXXX XXXX TO DO WHAT THEY WANT. THIS ACCOUNT FROM XXXX XXXX   WHICH IS ON MY XXXX CREDIT REPORT SINCE XX/XX/XXXX IS ILLEGAL INTERNET PAYDAY LOAN AND I WILL SHOW DOCUMENTS TO SHOW ON MY BEHALF. UNDER THE FAIR CREDIT REPORTING ACT I THOUGHT THAT IF YOU DISPUTE SOMETHING ON YOUR CREDIT FILE I THOUGHT XXXX INVESTIGATE EVERY CLAIM THAT A CONSUMER MAKES BUT RECENTLY NOTHING HAS BEED DONE. I AM DISPUTING THE FOLLOWING INACCURATE INFORMATION YOU ARE REPORTING WITHIN MY CREDIT FILE PURSUANT TO THE FAIR CREDIT REPORTING ACT. I GOT A LOAN FROM XXXX XXXX OVER THE INTERNET IN XX/XX/XXXX. THE INTEREST RATE CHARGED ON THE LOAN IS MORE THAN 12 % APR. AFTER GETTING THE LOAN I LEARNED THAT VIRGINIA LAW PROHIBITS ANY COMPANY FROM MAKING SUCH LOAN TO VIRGINIA IN EXCESS OF 12 % APR UNLESS THAT COMPANY HAS OBTAINED A CONSUMER FINANCE LICENSE FROM THE VIRGINIA STATE CORPORATION COMMISSION. SEE VA CODE SECTION 6.2-1501. XXXX XXXX DID NOT HAVE A CONSUMER FINANCE LICENSE WHEN THEY MADE THIS LOAN AND THEY NEVER HAVE HAD SUCH A LICENSE. THE VIRGINIA ATTORNEY GENERAL SUED XXXX XXXX FOR MAKING UNLAWFUL LOANS IN VIRGINIA I HAVE COPY OF THE LAWSUIT ATTACKED.. UNDER VA CODE SECTION 6.2-1541 IF A LENDER WAS NOT EXEMPT FROM THE PROVISIONS OF THOSE STATES AND WHO HAD NOT OBTAINED A CONSUMER FINANCE LICENSE, CONTRACTED TO MAKE A CONSUMER LOAN AND CHARGED CONTRACTED FOR OR RECEIVE INTEREST OR OTHER COMPENSATION IN EXCESS OF 12 % PER YEAR THE LOAN WAS AND IS NULL AND VOID AND THE LENDER IS NOT ABLE TO COLLECT, OBTAIN OR RECEIVE ANY PRINCIPAL INTEREST OR CHARGES WHATSOEVER ON SAID LOAN. I WANT THIS TRADE LINE REMOVED FROM MY ACCOUNT IMMEDIATELY. PLEASE IMMEDIATELY REMOVED THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT. PLEASE FORWARD THIS LETTER AND ANY ATTACHMENTS TO THE CREDITOR LISTED ABOVE AND ASK THIS TIME TO VERIFY THAT WHAT I SAID IS ACCURATE. IN ADDITION PLEASE REQUEST THAT THE CREDITOR ABOVE SEND YOU A COPY OF ANY OTHER SUPPORTING DOCUMENTS TO PROVE THAT WHAT I AM SAYING IS ACCURATE. I DEMAND THAT YOU INVESTIGATE MY CREDIT FILE AND DELETE THE INFORMATION THAT I HAVE NOTED ABOVE. WHEN YOU HAVE COMPLETE YOUR INVESTIGATION PLEASE SEND ME A COPY OF MY CREDIT REPORT AFTER MY DISPUTED.
Product: Credit reporting or other personal consumer reports

There was Fraudulent charges on my XXXX XXXX XXXX XXXX From XX/XX/year> to XX/XX/year> Also fraudulent hard inquiries recently added to my credit report. We already had this tried to delete these. I filed a complaint wuth the FTC and attached the report report. accordance to the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 use 1681 Account names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RITE TO PRIVACY. 15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.