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

I am hoping I picked the correct option to where this type of service falls. For the past almost XXXX XXXX, the company, pays your rent and takes the first half on the XXXX of any given month and then you have to pay the second half by the XXXX, BUT they give you the chance on the second half to move the payment date anywhere in the last half of the month if something comes up. I ran into a very serious financial situation in XXXX of XXXX, the first half was paid on XX/XX/year> and through the month, ended up with a serious financial strain and moved the second payment a couple times through the app hoping things would get better, but unfortunately they didn't for a little while into the month of XXXX, we were finally able to pay the second half on XX/XX/year> and then after faithfully for almost XXXX XXXX of NEVER missing a payment, with he second payment not EVEN XXXX XXXX late, they cut me off of the program, basically punishing me for a ONE TIME EVENT, and I have had to face humility each month since XX/XX/XXXX, that they cut us off, to make arrangements each month by paying the first half to the leasing office by the XXXX and the other half on the XXXX of each month since. We have just recently emailed the company, and again, because of ONE situation in almost XXXXXXXX XXXX, they are denying us the use of the service and keep telling us that there's nothing they can't do, that it's supposedly " automatic '' and they can not change anything manually. This company has been a Godsend for the almost XXXX XXXX and then they just dump us like trash for a ONE TIME EVENT and it shouldn't be like that as I struggle as it is. All I want, is access back to the program. I can defiantly see if this was a common issue during the almost XXXX XXXX with this company, but only one time and that's it, you're treated like dirt in their eyes. It's not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report & noticed some hard inquires i don't recognize I have filed a complain once and noticed that these did not get deleted. 

TRANSUNION : XXXXXXXX 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: Checking or savings account

CitiBank NA repeatedly sent me a Member Advantage Miles Checking with a reward if I complete certain actions in a given timeframe. The reward was XXXX American Advantage Bonus points WITHIN 30 CALENDAR DAYS FROM THE DATE YOU COMPLETE ALL REQUIRED ACTIVITIES. The time period allowed to complete the activities was up to 90 days. I opened offer account on XX/XX/XXXX and FULFILLED THE REQUIRED ACTIVITIES ON XX/XX/XXXX. On XX/XX/XXXX, I contacted CITI by phone and was told that I had fulfilled all the requirements and that the points would be awarded by XX/XX/XXXX. Citi did not FULFILL ITS OBLIGATIONS PER THE OFFER. I called CITI on XX/XX/XXXX and was again told that I had fulfilled all the requirements and that points will be awarded in 2 business days. Nothing happened. I again called on XX/XX/XXXX and was again told that it would be resolved within 5 business days. Nothing happened. Another call and I was asked to wait 12-24 business hours. I wrote an email to Citi XXXXxecutive VP XXXX XXXX. A representative called me and told me it would take 15 calendar days. On XX/XX/XXXX a CITI representative INCORRECTLY told me that the award will be on XX/XX/XXXX. IT IS NOT PER THE OFFER. I again followed up with Citi Executive VP on XXXX XXXXand expressed that the rep had not read the text of the offer and failed to address what is in the offer. Another rep called me and stated another 15 days. No end in site.
Product: Money transfer, virtual currency, or money service

Hi, I use XXXX  to pay and request payment between friends. Last year, I had my identity stolen including access to my XXXX  account. I disputed transactions through my bank about transactions I didnt authorized. Because of that? XXXX  suspended my account because my identity was stolen. Ive tried to get it unsuspendd but XXXX  hasnt helped. They want me to pay a percentage which isnt fairb
Product: Credit reporting or other personal consumer reports

There appear to be several errors in my credit report, particularly concerning late payments. These are not consistent with my regular payment pattern. I kindly ask you to correct these issues and adjust my account accordingly.
Product: Debt collection

Called and told my employer that they were calling on a legal matter. When I was passed the call, I was told by XXXX XXXX of ARA , Inc. that she was contacting me and my employer to notify them of a judgement against me in the county in which I live. First of all, she herself stated the debt was charged off XXXX ( which is a lie ). Secondly, I have never been notified of any court proceedings because there have been none. I have received numerous threatening letters and harassing calls even after requesting they do not contact me at work again. That debt was 7-10 years old XX/XX/XXXX and I have lived in Oregon for the last 12 years ( in XXXX ). These people need to be dealt with. This abuse is not allowed by the Federal Government or any State in the United States
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XX/XX/year> Complaint : Improper Use of Credit Report Dear Consumer Financial Protection Bureau- I am writing to inform you in accordance with the Fair Credit Reporting Act, the list of accounts below as well as XXXX XXXX XXXX XXXX and XXXX Reporting Companies have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Accounts : XXXX, PNC 15 U.S.C. 1681 Sec 602 A- States I have the right to privacy.

15 U.S.C. 1681 Sec 604 A Sec 2- Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Sec- 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 the information is inaccurate. 



XXXX, XXXX, and XXXX XXXX XXXX used my report improperly and are in violation to my rights under 15 U.S.C. 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX 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 XXXX : XXXX, Account Name : XXXX XXXX XXXX Account XXXX : XXXX, Account Name : XXXX XXXX Account XXXX : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name XXXX XXXX XXXX Account Number : 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
Product: Checking or savings account

I've been using Wise ( Formerly TransferWise ) for my business needs. I'm an XXXX seller and currently selling on XXXX. I had both Personal and Business accounts with Wise. I've been receiving payouts from XXXX to my business account. I wanted to transfer from my Business account to my Personal account. They asked for a Screenshot of the problem which I sent them and in reply, they told me that they can't identify the problem and deactivated my account and told me to submit the appeal. On response of appeal I made, they replied that they can't tell us the reason for account deactivated but it violated one of our policy that I agreed to during sign up which I don't think so..
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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a 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: Debt collection

I have been disputing this debt since XXXX with lvnv funding the orginal creditor was XXXX XXXX  they took this debt off my credit report in XXXX. This company bought the debt i contacted them to verify sending me the contract, itemized bill they sent a bill that didnt belong to me or my address. transunion keeps verify ing with no true facts please have them remove this off my credit report as soon as possible because this is in accurte information and violating my fcra rights
Product: Credit card or prepaid card

I went to return both my instore and online purchases today and was not helped as expected. I ordered a watch a couple of weeks ago and paid XXXX. I also received XXXX in kohls cash for buying the watch. I turned around and bought items online and realized the XXXX spent did not get 30 % off. I talked to someone at the corporate office who said because I used Kohls cash no discount applied and did tell me if I want to return all item I could but to get full refund I need to wait for my online order to be delivered return it so I would get kohls cash back then return the ring and I would get full refunds as I was going to cancel my account and wanted full refunds. Today I go and manager XXXX argued me so bad customers scolded him and told him he should take care of me. All I wanted was my full refund on the ring I returned it and was given the refund of XXXX and told spend the kohls cash of XXXX to get the difference back I advised I want to buy nothing more and XXXX at the corporate office original said he should be able to void the cash and give me full refund but when he asked her how o do it she changed and said no refund would be given. Kohls is supposed to have hassle free returns and now I'm out XXXX in real money I plan not to use this Kohls cash. I want my full refund. Please HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX and XXXX of 2020 I was unable to make my minimum payments toward my credit cards. My inability to pay was entirely due to the COVID-19 Pandemic. I had lost my job and had to prioritize feeding my children. 

The CARES act irrefutably outlined multiple accommodations that banks/lenders were required to make, in addition to countless highly encouraged yet ultimately optional mutual agreements between said companies and their respective customers. 

As Ive outlined in great detail to both Chase Bank and the main 3 credit bureaus, MULTIPLE TIMES, my late payments were due to the natural disaster of COVID-19. My accounts prior to the declared natural disaster were spotless with no missed payments, as are the accounts now. Ive shown that there were exceptional extenuating circumstances which impaired my ability to pay these accounts yet have managed to get them all back into current statuss. 

The issue here at the end of the day is this. 

My delinquencies were due to COVID-19.

I had no money or ability to contribute even a dollar towards these debts due to COVID-19.

I have since brought everything current and have proven that my delinquency was solely due to COVID-19. 
Since those late payments have shown on my credit report, I have had multiple accounts cancelled in addition to being unable to qualify for my lease renewal. These late payments are destroying not only my but also my children 's lives. 

In good faith and with regard to the legislature that specifically covers the time in which these delinquent payments incurred, I request that all late or delinquent payments being reported on my credit report by Chase Bank are removed and are updated as on time payments. Please reference the CFPBs website for confirmation of the above. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 Department XXXX XXXX # XXXX XXXX Department 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
Product: Debt collection

I have a mortgage with XXXX. They apparently mistakenly sent my mortgage ( and a number of other customer mortgages ) to ClearSpring Loan Services for collection even though the mortgages are current and I continue to make regular payments. In speaking with XXXX several times, they tell me that there was a mistake on their end in sending my loan for collection but it has been over a month and they still have not addressed the issue although they claim they continue to work the issue in their Research department. However, I continue to get calls from ClearSpring demanding payment even though I have sent an e-mail to ClearSpring explaining the situation.
Product: Money transfer, virtual currency, or money service

On Wednesday the XXXX of XXXX I received a cash transfer for gas from a friends CashApp Cash Card to my Card. The transaction cleared and became available funds on my card instantly. 

I tried the next day Thursday XX/XX/2020 to " Cash Out '' those funds to my XXXX XXXXXXXX XXXX personal checking account. And have attempted every day following. 

Now for more than 7 days I have been trying to get this small {$30.00} off this Cash.App Cashcard. My card is for some unknown reason disabled and every time I enable it, it disables itself immediately. I try to cash out the balance to my bank and it says I have no money, I have sent an email every single day and got XXXX canned response stating theyre having connection issues. I have sent a message every day since with no response what so ever. I have done a search of the internet and find there are thousands of complaints with the same problem beginning at the same time as me. 

There terms of service state that they are not a bank and therefore have no obligation to honor any financial policy that is expected from a financial institution. However, they are holding my money, as well as everyone else 's money in a regulated US bank account at XXXX XXXX XXXX and using XXXXXXXX XXXX as their pass through. Both of those transactions are definitely regulated by both Federal and State laws. 

According to their status page today XX/XX/2020 every thing is working and 'GOOD TO GO ' yet again I can not make the withdrawal or transfer, no ATM access, not able to use the card to make a purchase. 

They hide with no public phone number and automated response emails. You can not contact these people other than that they are owned by XXXX XXXX
Product: Credit card or prepaid card

See attatched XX/XX/2019 USAA statement. First page CONFIRMS CREDITS XXXX  {$200.00} {$280.00} {$150.00} XXXX {$230.00} Next page Continues with $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX ( TOTAL CREDITS SHOWN with minus signs above total line FOR THIS PERIOD IS TRUTH ** IS AN INCORRECT TOTAL OF THESE CREDITS. CORRECT TOTAL IS {$2.00}, XXXX. WHY IS USAA IS MISSING {$1.00}, XXXX CREDITS. USAA TOTAL CREDITS THIS PERIOD ARE ONLY {$910.00} all merchants credits. THIS IS INCORECT MATH. THIS IS SUPPOSED TO BE A ** TRUTH IN LENDING STATEMENT. USAA DECEIVES. ( USAA ONLY PRETENDS TO GIVE CREDITS BY LISTING THEM ) ** Kindly Note with cute little ( - ) MINUS SIGNS that ARE NOT INCLUDED IN TOTAL CREDITS. Then REVERSES MERCHANTS CREDITS AS USAAs LEAVING CONSUMERS WITH THE ORIGINAL FRAUD AS IF MERCHANTS CREDIT WAS NEVER PROVIDED. HUH?? USSA POSTS A NEW TRANSACTIONS FROM CREDITS NOT APPLIED??? HOW DECEPTIVE??!!! THIS IS NOT TRUTH IN LENDING FAIR CREDIT!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I sent an written letter to Equifax stating I never gave Equifax any written consent to report anything on my consumer report. No consent is identity theft under 15 U.S. Code 1681B ( a ) & ( 2 ). As of XX/XX/XXXX I have not gotten a response back from Equifax.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

XXXX XXXX allowed XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX Use my SSN number and then send a check I mailed to Us department of education for Fraudulent Loans. 

I have a XXXX XXXX XXXX and I didnt authorize XXXX XXXX to XXXX  me when I went to talk to security in front of XXXX police officers. 

I didnt attend XXXX XXXX XXXX XXXX XXXX university fraudulently has been going on for years for non credit courses being billed through TAG PELL grants.

I was unemployed and XXXX XXXXXXXX  took all my unemployment benefits and applied them to loans {$30000.00} cash they deducted from my XXXX XXXX XXXX XXXX XXXX now XXXX XXXX XXXX  accounts.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX completely disagree with the account listed below which is still showing on my consumer credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly affecting my credit score XXXX  XXXX XXXX ( Account # XXXX ) In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A_D, Please provide the name, business addresses of each individual with whom you verified the above, so that I may follow up, please send me an updated copy my report after the reinvestigation. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received notification from creditor that a debt that the referenced account was sold. However, I requested validation of the debt on XX/XX/scrub> 2024. However, all I received was an itemized statement. The statement did not have much of any information on it. Therefore, nothing that I requested was presented to me. I sent another letter around XX/XX/scrub> 2024 letting the creditor know that the information that they sent did not meet my validation request. I recently received another itemized summary on XX/XX/scrub>, 2024 from another creditor who has bought the debt. I sent another letter on XX/XX/year>2024 requesting validation of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I recently sent a letter asking Experian, XXXX and XXXX to investigate some accounts on my credit report. Here are the tracking numbers : ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX / Re : XXXX XXXX requested on XX/XX/XXXX It has now been over 30 days, I believe these consumer reporting agencies are in violation. 

According to15 USC 1681i- Experian, XXXX and XXXX have 30 days to investigate and send me the results. They also never recorded the current status of the disputed information, which is another violation. 

I have all of the evidence attached below.