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

On XX/XX/year>, I entered into a lease agreement with Acima Credit to acquire XXXX XXXX XXXX. The agreement was presented as a lease-to-own option with bi-weekly payments and an early purchase option. However, I have since realized that the terms and practices associated with this agreement have caused significant financial harm. 

Excessive Payments : To date, I have paid {$5300.00} for items valued far less than this amount. Despite this overpayment, I am still required to pay an additional {$1400.00} to exercise the early purchase option. If I continue with bi-weekly payments of {$330.00}, the total cost will exceed $ XXXXmore than triple the items retail value. 

Deceptive Practices : The payment structure and total costs were not clearly disclosed at the time of signing. The early purchase option, marketed as a cost-saving feature, is misleading and financially burdensome. These practices mirror the allegations in the CFPBs XX/XX/year> lawsuit against Acima, which highlighted deceptive leasing practices, hidden costs, and excessive markups. 

I have not contacted Acima directly because I am aware of their history of poor responses to such complaints and deceptive practices. I am filing this complaint to make clear that I will not accept any runaround or delays. My next step will be legal action to recover the overpayment, seek ownership of the leased items, and pursue damages for the financial burden caused by Acimas practices. 

I am requesting CFPBs assistance to intervene and facilitate a resolution that includes : 1.Termination of the lease without penalty. 
2.Ownership of the items based on the payments I have already made. 
3.Refund of the overpayment beyond the reasonable value of the items. 

Thank you for your assistance in addressing this matter.
Product: Mortgage

XX/XX/XXXX I entered into a payment plan. XXXX was the down payment. XXXX due XX/XX/XXXX and XXXX XXXX. I complied. Once the last payment in XXXX was given. I was notified by my then relationship manager XXXX XXXX  that the repayment did not make me current. He stated that he and his manager worked on my account for XXXX minutes. XXXX then stated he and phh accept full responsibility for the error... however, to fix the error I would have to put down yet another down payment of XXXX by XXXX XXXX with XXXX subsequent payments of XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I stated since I not only paid my contractual amount to finish the faulty repayment plan in XXXX I added and additional XXXX and with my suspense account gave another payment in XXXX of over XXXX. I declined the repayment plan offered to fix their mistake as the 4 monthly payments to fix their calculations doubled my original mortgage payment of XXXX to XXXX!!! I have asked for and applied and appealed their decisions to help me by only short sale or deed in lieu. They deny me a forbearance, deferment, modification, repayment plan or restructure of the mortgage. It can not be considered the consumers obligation to fix a calculation the mortgage company did. There has to be laws, restrictions and protocol they have to be responsible for ... .please tell me consumers have protection from predatory lenders. I did contact andrianna of XXXX XXXX  who is the private investor ... .and she replied verbally and in email that XXXX  XXXX  gives durable power of attorney to phh for all decisions... .I 'm butting my head against the wall. I have the admission of the faulty repayment plan I was on in writing on phh letter head with a caption " sorry for the inconvenience ". I can supply u with that and my mortgage payment history. I have been in this home XXXX  years ... .a phh customer since XXXX. I'm XXXX my husband is XXXX. Please help
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute XXXX fraudulent hard inquiries that appear on my credit report. I did not authorize these inquiries, and I am concerned that they are the result of identity theft. I have already filed an identity theft report with the Federal Trade Commission ( FTC ) and have been assigned the following reference number : [ XXXX ]. 

XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> Furthermore, I have encountered technical issues accessing my credit report online, freezing my report, and disputing these inquiries through your online platform. As a result, I have been provided with XXXX different reference numbers related to these technical issues : [ Reference # XXXX ] Created via live chat by agent XXXX on XX/XX/year>, and [ Reference # XXXX ] Created via live chat by chat agent XXXX on XX/XX/year>. Ive yet to receive a call by phone. 

Please investigate these unauthorized inquiries and remove them from my credit report. I have enclosed a copy of my FTC Identity Theft Report and copies of my identification and proof of address to assist with your investigation. 

I appreciate your prompt attention to this matter and look forward to your resolution. Please inform me of the results of your investigation at your earliest convenience.
Product: Money transfer, virtual currency, or money service

I was suppose to receive a loan from a company called XXXX XXXX who are backed by The Sun Trust Bank and suppose to be backed by CFPD and the XXXX well I was approved for the loan in the amount of {$5000.00} and they told me I've the phone that they are going to make 2 deposits into my mobile banking that they needed my login and password well I did all that they deposited to 2 deposits of XXXX and XXXX for XXXX which amounted to {$300.00} and I was to send the account verification transactions back to them in then in which apon them receiving the amount back to the company they would deposit the loan amount of {$5000.00} into my bank account and when i sent then the verification amount back to them they proceeded to tell me that i had to pay another amount to the bank to show that i could actually afford to pay my loan back each month and it was for the amount of {$200.00} and the loan company told me that the loan company will actually pay 90 % of the {$200.00} and that i only had to pay {$20.00} so i had to go and send them again another {$200.00} in which i only had {$180.00} in my bank account so i had to add {$20.00} cash that i had in my pocket already so when i sent the money to them they said okay ma'am give them 20 mins and the {$5000.00} would be deposited into my account and that was 4 hours ago and i cant get through to anyone noe they will not answer ans now have blocked my phone number from their phone
Product: Debt collection

About a year ago I received a piece of mail from Ameritech financial about switching over my student loan repayments from XXXX, and that they would help lower my monthly payments based on how many people I lived with and if I made 50 payments on time they would forgive the remaining balance. They sent me a ton of forms to fill out and send back to them including forbearance, pay stubs, voided check, loan services statements, tax returns, etc. and told me they would be paying my loans going forward. The initial payment I made to them on XX/XX/17 was for XXXX. Every month following for the next 6 months I was charged XXXX. Ive paid them XXXX thus far. My student loan balance has not decreased. The interest has actually accrued from what it looks like on my statement. I had my balance down to around 30k and now its up to almost 40k. I had no idea and Im not really sure what to do about my loans now
Product: Credit reporting or other personal consumer reports

This information is under my name and is causing me harm. I need it removed from my history. 



DP OF EDUCXXXX DP OF EDUCXXXX
Product: Checking or savings account

Cash App 's Dispute process is at best SCARY and lacks any backbone for customer. 

on XX/XX/XXXXXXXX XXXX XXXX XXXX  my account XXXX for a Total of {$60.00} on XX/XX/XXXX I called told XXXX that they did not provide any services and the XXXX card I got on the day prior never was able to be activated. I asked for my money to be returned. Customer services told me absolutely. 

XX/XX/XXXX RETURNS XXXX for XXXX $ each totals {$40.00} ... < {$20.00} I have called and called but XXXX and now CASH APP just turns there head. 

I AM OWED {$20.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report only to find that there were accounts being reported illegally with Experian, XXXX, and XXXX. They are in direct violation of 15 U.S. Code 1681s-2
Product: Mortgage

Hello, In XXXX of XXXX, I wsa laid off due to COVID-19 epidemic. I called in to Homebridge Financial and was placed on a forbearance due to what occurred. In XX/XX/XXXX, I called back in to Homebridge in  order to see what my options were to catch up on my mortgage as i found employment again, I was told to the forbearance would be extended until end of XXXX so I can have time to get some paystubs in for review. In XXXX, I called in multiple times and was told just to send in financial documents to be reviewed for options. Also in XXXX, i read online that FHA had a program that specifically helped homeowners who were affected by COVID. This program is called a partial claim. I was not informed by anyone at the company, only from someone I knew and because I looked at the program online. I have called multiple times in the month of XXXX and the only thing I was informed of was a modification review when I asked about assistance. I finally got a hold of a young man on XX/XX/XXXX with whom I had to ask about the partial claim and he took his time and helped to submit this for me. He specifically said to me the review would take 3-5 business days and I would get a letter in the mail. 

I have called two more times to the company and no one seems to know what is going on. I asked about the review and I have been told different time frames each time and that the department is backed up and give them more time. i even spoke with a young lady on XX/XX/XXXX and asked about the review. I told her my main concern is that the forbearance is ending and I still don't know what the next steps are. She told me not to worry and it was going to be okay. 

My biggest concern here is the lack of knowledge by each representative that I have spoken to. The timeline before the forbearance is ending is being cut each day and we don't have an answer. I have no faith in this process as no one knows what the other person says or what is going on. There is no consistency. I don't even have a single point of contact to speak with in order to know what all my options are. I would like a clear understanding of what is going on and what are my options in order to try and stay in my home. The level of service I have experienced with Homebridge has been horrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always maintain a perfect payment history, no collections have been reported, I'm normally in a XXXX are higher range with my credit, inaccurate balances were reported on my credit for 2 minutes and when I paid a {$32.00} dollar balance off on one of cards that I consistently use each month, my score drop 30 points! I have not been able to purchase a car, a house without horrible interest rates because of my low score. I have no late payments, my balance is always under 30 % but for 8 months now I been having problems with this credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transferred the balance of a capital one account that was delinquent in late  XXXX  to early  XXXX . The account was up to date in mid  XXXX , account balance of  XXXX  was transferred in  XXXX   XXXX ,  XXXX  to a lower interest account that was opened with a local credit union. The new  XXXX   XXXX  account that was opened on  XXXX / XXXX / XXXX  has never been past due and I have always payed  XXXX , almost double the minimum payment (  XXXX  ) The balance has been current for over a year and no longer is there any delinquent accounts opened.
Product: Checking or savings account

Got a fraud alert XXXX hrs after check posted can not speak to a representative, held for XXXX minutes, tried calling other departments, said fraud was only department that could handle 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 XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : 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, credit repair services, or other personal consumer reports

I applied for only one credit card by XXXX, nowhere does it say that an application demands 2 inquiries for one credit card. And I discovered that I received 2 inquiries on the same day, one on Experian and one on XXXX  report. I was granted the credit card but I wish I knew there would be 2 separate inquiries and I wouldn't apply. I called to ask why that happened and they said they can do whatever they want and they don't have any note saying that explicitly and asked me if I want to cancel my card but they can not remove 1 inquiry. It is just not usual to get 2 inquiries by any company so it was so unexpected and I believe it might have been a mistake or if not, they should mention it before someone applies. I am planning to get a car soon so this is highly inconvenient and totally not necessary, if I knew I would definitely go with a different credit card.
Product: Debt collection

A representative named XXXX, who stated he is a legal manager at Summit Receivables stated that Summit Receivables has taken over my credit card debt which is {$450.00}. The company has repeatedly contacted me calling me more than once a day for the past couple of months. I have explained that I was unable to make payments at the time because of health related issues. During the past month XXXX has called me several times threatening to take legal action against me if I do not pay a certain amount by a specific date. I recently made a payment on XXXX/XXXX/16 for {$50.00} which was posted XXXX/XXXX/16. However, I decided to check my credit report on XXXX/XXXX/16 to see if the company was on my credit report. To my surprise I did not see the company listed on my credit report. I also noticed that the original debt from the credit card company was closed. Once I realized I did not see them listed on my credit report and I have not received any documentation by mail indicating that I owe them or that they will take legal action against me I contacted XXXX to ask him about my concerns. XXXX became very defensive and began to talk over me and became very rude. I informed him that I will not make any further payments until I receive something in mail indicating that I owe them, after I stated that, XXXX stated he can send me something by email and that he was not obligated to send me anything by mail unless I send it a written request. I told him that I will request in writing to have documents mailed to me. I asked him for the address of his organization and he hung up on me. I looked through my inbox and spam on my email and I did not have any emails from him or the company he claimed was sent to me. I contacted the Consumer Financial Protection Bureau, XXXX and State Attorney General for Nevada and was informed that what he was doing was illegal and I plan on taking further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I checked my credit and saw an account from XXXX XXXX for a balance of {$550.00}. The account is very old and was opened in XXXX but charged off in XXXX. I lost my job and was the victim of a house fire that caused my kids and I to become XXXX. Therefore, I was unable to take care of my monthly bills. I can pay {$200.00} to settle. It has taken some time to fully recover and now COVID19 has caused my employer to furlough my role. I am trying to fix my credit and right some of the wrongs.
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 inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX NA XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$710.00} ; XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXXXXXX XXXX  Inquired on XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/2021 I received an email from Capital One stating that the company was reversing transactions and needed verification. I immediately called Capital One and informed them that I had not authorized any reversals of any transaction on my account and wanted to at that time report fraud on my account. Capital one bank then informed Me that my account would be frozen and an investigation would begin. I then received another email from Capital One on XX/XX/2021 stating that my account would be closed. I again immediately called Capital One and asked for more information. I was asked if I had traveled outside of the country as the reversal request on my account came from XXXX, I informed them that I had not and did not even own a passport. I was then told that the investigation into the fraud claim on my account was still active and that my account was still frozen but in the light that this was determined as fraud my account would be closed. I asked about my direct deposit from my employer as I had that set up and be getting paid within the next 2 days and was informed that it was not an issue. Capital One stated that once my paycheck was deposited I would have to call them back, have them release my funds ( as my account is frozen ), go to an ATM ( No Capital One branch in Massachusetts ), withdraw all my funds and then they would continue with their investigation/closing of my account. Capital One then stated that they were going to return/refund the funds that they had already reversed on my account due to me making the claim of fraud. I noticed today XX/XX/2021 that I still had not received my paycheck into my account, I called Capital One and was informed that Capital One kept my paycheck claiming because of the funds they released/reversed those transactions to the fraud person in XXXX. I asked how that was my issue and was told that Capital One needs it money back. When asked to speak to a supervisor I was denied and told that my fraud claim was closed and so was my account.
Product: Mortgage

A mod package was sent in XXXX ( see email attachment ) Sale date was set for XXXX. 
On XXXX Wells Fargo employee XXXX XXXX stated that a note on file deemed the account ineligible fore review and the call was transferred to the reentry team. XXXX stated that the documents were sent in and entered XXXX and that they need EIGHT days before the sale date to review the file and that they got the file SEVEN days before the sale date. 
California guidelines state 7 days are needed. NOT XXXX. 
Our office called Wells Fargo EXECUTIVE OFFICE. XXXX XXXX XXXX who did nothing to assist on the matter. She stated that she will request a reinstatement. The home owner DOES NOT HAVE THE FUNDS to reinstate. We called the executive office to get assistance with the documents that were there ON TIME. Instead no assistance was provided. 
It is very apparent that Wells Fargo would rather foreclose on the home than provide assistance. There is no tangible reason for Wells Fargo to REFUSE to review the COMPLETE package that was there on time. Wells Fargo is discriminating against the homeowner based on his age, race, ethnicity, marital status. We are demanding a fair review of the file or XXXX XXXX will assert his legal right and name Wells Fargo defendants in civil court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes for all inaccurate information on my credit report with Equifax. please review the listed items that needs to be removed an update it on my file asap to correct my credit report.