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

Lending club offered 2 month deferment of payment which includes principal and interest to be deffered to back side of loan. These 2 months were for XX/XX/XXXX and XX/XX/XXXX payment. XX/XX/XXXX I made my payment and all {$920.00} was applied to principal. I called and they were going to get this resolved. Nothing happened so I called back about middle of XXXX and said it was still showing interest. They made lots of notes, put me on hold, called other departments and said they would get this figured out. Today I called because I logged onto account and my XX/XX/XXXX payment is showing {$760.00} went to interest and {$160.00} went to principal. the rep said it was because I skipped 2 payments and that the next 2 collects the interest. The first 2 reps on XX/XX/XXXX and the XXXX never said any of this and I have a letter dated XX/XX/XXXX that sais *Extended loan term : The term ( length ) of your loan will be extended to account for any deferred payments and interest accrual. Interest will continue to accrue daily on your outstanding principal balance as outlined in your truth in lending disclosure. 

So it looks like for XXXX and XXXX they charged me {$1600.00} of interest.. This is fraud!!! My interest for a normal month is {$430.00} so 2 months should have been roughly {$860.00} and even that should be at the back of the loan. 

The rep today had incredibly strong accent so very hard to understand but I still understand that this is an absolute rip off. Taking advantage of covid times should be illegal.
Product: Vehicle loan or lease

Received a loan from company in 2014 for about {$11000.00} on a used vehicle. Paid quite a few payments and the balance barely budge still at about a little over {$9000.00}. Company will not budge on fair resolution of the situation. This loan has been a nightmare and Im just may have to file for bankruptcy. Santander is a preditory lender who uses illegal practices and that my loan is now in litigation for the State of South Carolina this account should be permanently deleted from reporting as negativity. Please remove per. Attorney General XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX
Product: Credit reporting or other personal consumer reports

The CREDIT ACCEPTANCE account reporting on my consumer report is incorrect and needs to be removed. Every alleged account is reporting inaccurately and erroneously, which is grounds for removal under the direct violation of 15 USC 1681 ( Reporting incorrectly ). Please have them COMPLETELY REMOVE THE ACCOUNT because I have given them plenty of time to conduct a full and complete investigation on this inaccurate and erroneous account. Please don't just have them do it by eoscar ; my life depends on my good credit. Every inaccurate account is unauthorized and needs to be removed ASAP. 

This debt collector and credit reporting agency engaged in abusive, deceptive, and unfair practices of the FDCPA, which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement. A legal contract is signed by two parties, and I did not participate in any of it. Furthermore, they didn't follow the proper 5-step validation procedure, making this an unfair practice. According to the FDCPA, I'm entitled to {$1000.00} per violation, and clearly, they violated my rights. 

I will attach all documents to this complaint. Companies have failed to investigate this account which is a violation of the FCRA AND FDCPA LAWS.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX  XXXX Dear CFPB, I am writing to formally file a complaint against XXXX  XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX  XXXX XXXX Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by [ Creditor Name ] about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require XXXX XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX : Ordered an item from Amazon using Chase Amazon XXXX credit card, order # XXXX. Amount charged to card {$110.00}. 

XX/XX/XXXX : Amazon reported " delivered to a safe place ''. We could not find it ; none of our neighbors could find it. A day or XXXX later a refund was requested from Chase. The credit card was credited {$110.00} XX/XX/XXXX or XX/XX/XXXX : A neighbor brought the unopened package to our doorstep. 
XX/XX/XXXX or XX/XX/XXXX : I emailed Amazon and advised them that I had the package. I authorized them to charge my credit card {$110.00}. 

XX/XX/XXXX : For various reasons I decided to have the item returned. Amazon accepted my request. 
XX/XX/XXXX : I took the unopened package to XXXX XXXX Department XXXX. Please see attached confirmation from XXXX XXXX Department XXXX. 

I am attaching credit card transaction records, return approval etc... ( a total of XXXX pages which seem self explanatory ). 

Bottom Line as I see things : There were XXXX charges for {$110.00} and XXXX credit for {$110.00}. Amazon acknowledged return of the package. Chase has received all of the above information as has Amazon. I am owed {$110.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a paid subscription through Transunion to have access to my credit report and credit score for {$24.00} a month. 

I have been unsuccessfully able to access my credit through the paid for Transunion website and the free XXXX website. 

When I try to login on the Transunion website, it keeps saying my credentials are invalid. When I try to reset my password, it keeps looping over and over to the same login page even after I enter my social security number and name. 

I have called on numerous occasions to Transunion. The customer service representative tells me that some one will call me back and I never hear anything. 

Meanwhile, TransUnion has taken at least {$300.00} in the past year, possibly longer, and I have no access to my TransUnion credit report.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX 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 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 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/XXXX
Product: Credit card or prepaid card

I have an account with Money Network LLC a company of First Data, around XX/XX/2020 I noticed that someone was phishing my account and I called Money Network to have them issue a new card due to this activity, I received a new card on XX/XX/2020. Then on XX/XX/2020. {$440.00} was fraudulently taken from my account to purchase gift cards, I immediately notified Money Network of my claims and started a dispute process. They issued a new card and told me that my account would be safe. I asked them to also change my routing number and account number so I was assured this would not happen again, they assured me with the new card that my account was safe and they could not change the account number or routing number. Then on XX/XX/2020 the same thing happened in the amount of {$650.00}. I immediately called Money Network and once again started another dispute process. Which again they issued a new card and refused to change my account or routing numbers. Then on XX/XX/2020 my federal tax return in the amount of {$1200.00} was fraudulently taken from my account and used to purchase gift cards from XXXX, I immediately called money network and once again I started a dispute process stating that I wanted my money refunded to me and that I wanted my account and routing number changed. Again they refused to change my account and routing number and once again they only issued a new card. Now as of today XX/XX/2020. My Federal stimulus money in the amount of {$1200.00} was fraudulently taken from my account to once again purchase gift cards. I have had to appeal these first 3 cases numerous times and have provided Money Network with documents proving that I did NOT make these purchases. Yet they continuously deny my claims stating that I am NOT providing them with enough information. I have asked numerous times to talk to the Dispute or Fraud Department directly to which they claim that it is an internal  Department and there is no direct phone number and no way for them to connect me to the dispute or fraud department. Also it is stated in their own policy and agreement : under Disputes and Error Resolutions that if more than 10 business days are needed to research the transactions they will credit the account within 10 business days for the amount in question. Which has not been done. On XX/XX/2020 I was told that all of my existing disputes were denied once again and that my account had definately been hacked.
Product: Debt collection

XXXX XXXX : Retutned equipment to a XXXX XXXX at the time we moved. Asked if we had any outstanding balance, was told no we actually had a credit which they mailed to me. Now after a year of never hearing anything, email has not changed, I have it show up on a credit report. Called to ask what was going on? They said yes you returned equipment and we mailed you a refund but if you want this to go away you need to just pay it. Which I did so it quits reporting but I am following up with their corporate office for a better answer to their mistake.
Product: Vehicle loan or lease

American Credit Acceptance acquired my former auto loan lender ( XXXX XXXX ), this was done XX/XX/2019. After the acquisition, i was told that it will take approximately 90 days to report the loan. I was also told that this loan will be reported XX/XX/XXXX. i have been calling ACA about my information not being reported and they informed me that they are not sure when they will report my loan. 

I have been making montly payments for a car that no longer works. because i dont have an auto loan being reported, i cant get a car without an outrageous rate. All i ask is that my loan is reported so it can reflect the payments i have been making.
Product: Student loan

I have sent numerous request since XX/XX/2018, for the original documents showing they are authorize to collect this debt. As of today, I havent receive any response regarding verification of debt. Fed loans continue to report this debt to the credit bureau each month, thus affecting my ability to obtain credit due to the increase interest reported.
Product: Mortgage

Shellpoint shared our personal information with another homeowner without our permission. As a very unhappy customer of this Servicer, the gross oversight has caused additional stress and increased our feeling of distrust for Shellpoint. In a prior complaint ( XXXX ), my loan was marked late due to our confusion in their processes and they refused to assist in the removal of the late mark on our credit stating that were unable to change it because it violated the Fair Credit Reporting Act. Well they have violated the FCRA by violating my privacy by releasing my information to another homeowner without my consent. Attached is a letter admitting to the oversight, along with 2 gift cards totaling {$300.00} in gift cards to start a XXXX  account. My husband and I do not feel safe with our personal information being shared with any one outside of our permission. This was negligent on their behalf and they need to be held responsible for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. Transunion, XXXX, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX  XXXX Bankruptcy and accounts. 
My credit report is still reporting two XXXX XXXX. accounts, and a US bankruptcy account. Please see attached FTC Identity Theft Report. 
On XX/XX/2022, I sent Transunion, XXXX, and XXXX a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous XXXX, stress, and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i submitted a dispute letter to XXXX  in regards to inaccurate derogatory remarks on my credit profile. I sent the letter certified mail and it displays transunion recieved the letter. It has been over 30days and I havent been notified of the results of the investigation. This is a direct violations under my rights of the fair credit reporting act due to failure to properly investigate my disputes. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.
Product: Credit reporting or other personal consumer reports

This is the second complaint, I wasn't notified of what Transunion wrote to you all. I need proof that I went to the XXXX because it wasn't me and they can send it through this complaint here instead of lying and saying they actually did an investigation. I can bet money I didn't go to this XXXX. I am also including the original complaint with this one. The evidence is in the other report that I haven't been working through the XXXX XXXX XXXXXXXX since XXXX. Show me this is my debt!!!! 


Transunion keeps doing an investigation in 3 days or so without any information given. I filed a dispute against XXXX XXXX on XX/XX/XXXX, its already completed. I haven't worked for The XXXX XXXX XXXXXXXX since XX/XX/XXXX due to injury. I was then paid through Worker compensation all of XXXX which was a third party with no deduction taken out. I also have a letter stating I no longer Worker at the city permanently though as of XX/XX/XXXX. XXXX XXXX placed a collection on my name as of XX/XX/XXXX, the account isn't mine and I told this to Transunion. How can a bill be mine if they haven't received a payment to keep insurance since XXXX? I paid it through my paycheck so they haven't seen a monthly payment for a long time. I could only receive this insurance through my employer and they do run your insurance when you go to an XXXX  to make sure you're still active.
Product: Student loan

Request information, contact number or badge number for XXXX XXXX that works for nelnet. Nelnet has refuse to inform me if this person works for nelnet as she has been attempting to contact me. I need documentation that she is employed with nelnet.
Product: Credit card or prepaid card

I had identity stolen and credit cards with USAA since last XXXX. They keep telling me it will be resolved but nothing ever happens. It has been 11 months and it is still not cleared up. USAA started sending my statements to Texas last XXXX and the person opened up another visa credit card. I live in California and have never lived in Texas. The person charged over XXXX on the XXXX XXXX and XXXX on the visa in 1 month. We froze the account and they are saying it was me making the charges in Texas. The person also deposited XXXX into my checking which USAA froze for 9 months. They did close the checking and said that was fraud but the credit cards are not. Please help me setting this and clear my credit. XXXX XXXX
Product: Credit card

I have a Macy 's credit card. I paid off my balance on XXXX XXXX, 2016 and then was charged an interest payment on XXXX XXXX, 2016 XXXX {$2.00}. I tried to use my card on XXXX XXXX at a Macy 's store but was informed that my card did not work. This was embarrassing. I called and found out that my account had a balance of {$6.00}. I went online to view my account history and saw that I was being charged {$2.00} a month in interest on my XXXX balance account since XXXX. I sent in an email requesting that they remove the interest fees and asking why I was being charged interest if my balance was XXXX. As of XXXX XXXX, I now have a balance of {$8.00} on my account. Macys credit card is continuously charging interest on XXXX account balances and revoking customer privileges from using their card due to them trying to get more money from their customers. This is a form of UDAAP. because it is unfair for the company to charge customers fees on XXXX account balances.
Product: Debt collection

I called and canceled all my insurance at XXXX in XXXX of XXXX  because I had gotten new insurance. Then I saw a collection show up on my credit report I was forced to pay by ccs collections or have it ruin my credit. I called XXXX today XXXX to verify that I had canceled the policy back in XXXX and he said I see that you called in to cancelled your policy. acct number XXXX
Product: Credit card or prepaid card

This company will not allow me access to my funds, I have verified my identity a few times but they are still insisting that my account is now closed, I have not been able to access any of my money and have been waiting for months
Product: Credit card or prepaid card

Skylight netspend sent me an email blocking me out of my account I sent them what they requested they refused to unblock my account kept lieng and hanging up on me and closed my account without my knowledge keeping my whole paycheck she lied stating she would mail check and stated my money was still on a card that they shut down and blocked me out of, they kept asking me for more personal information that I refused to give so I have my job tracking the check I need help suing them they put me in a position to have my lights disconnected in my home took food from my kids by keeping my check it may not be much go others but XXXX is everything to my family in these hard times this happened XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed the validity of the debt that XXXX XXXX XXXX is reporting with Experian multiple times. Each time the debt has come back Verified. The credit has also attempted to sue me and court but could not verify the validity of the debt so the case was dismissed!
Product: Debt collection

I was served ( my husband was actually served ). There is a statement with no details attached to the summons. Upon investigating with XXXX XXXX, they have started a fraud investigation. The summons and the account are not my name. 
When I say May name is not XXXX XXXX, Portfolio Recovery refuses to talk with me. I was advised to file a complaint with you.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX XX/XX/XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

Although Equifax, XXXX and XXXX did remove " some '' of the unauthorized accounts and inquires, a few more remain.
Product: Credit reporting or other personal consumer reports

I have no association with these inquiries or the listed creditors. Please remove them from my credit report as a matter of urgency.