23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Have been trying to resolve a debt with XXXX XXXX XXXX XXXX ( XXXX ) but am unable to get anyone to help me. This debt was settled with Weltman, Weinberg and Reis LPA in XXXX 2017 and I have called XXXX at least 5 times only to be referred to their " legal team '' which then routes the call to Weltman, Weinberg, and Reis LPA who tells me the account is settled. Each time I call XXXX, the person answering the phone refuses to let me speak to any other person besides their " legal department '' which immediate refers to Weltman. The people at Weltman, Weinberg, and Reis have been very nice and accommodating, but they reply that they have marked my account as closed and there is nothing further they can do on their end, and they encourage me to call XXXX XXXX XXXX. I am becoming very frustrated as I have not received any documents in the mail from XXXX saying there is any balance owed, but it is showing an open collections account on my credit report. I have tried for weeks to contact each company and figure out what to do. I have followed up with XXXX, Weltman, XXXX XXXX XXXX, and no one is helping me. There is no contact information for XXXX XXXX XXXX to follow up with them, and I have no received any communication from any of these places to figure out what the steps are to get this debt resolved.
Product: Debt collection

I am writing to vehemently reject your decision to decline my identity theft claim. I question your authority and legal standing to determine whether i have been a victim of identity theft or not. You lack the requisite expertise or jurisdiction to make such a claim on my behalf. 
To substantiate the gravity of my identity theft claim, I am providing you with a comprehensive law enforcement agency report, which has been duly filed with a federal agency. It is imperative that we expedite the resolution of this matter within the legally mandated 5-day timeframe.

This is your final opportunity to process my identity theft request appropriately. Failure to do so will compel me to seek a legal remedy in a courtroom where you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured as a result of this issue. I am confident that the material facts will become glaringly evident, and you will be held responsible for your negligence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I expect a written acknowledgment of the receipt of this dispute letter and a commitment to investigate my identity theft claim diligently and impartially.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 


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

I have written to Chase on XXXX XXXX XXXX XXXX occasions regarding a misapplied payment and the inaccurate reporting of a late payment. Chase has been provided with proof of payment. Despite being provided with proof of payment and being advised on numerous occasions regarding the misapplication of the payment and the reporting of the inaccurate late payment, Chase continues reporting an inaccurate late payment as well as an inaccurate account balance with XXXX XXXX XXXX XXXX XXXX credit reports.
Product: Money transfer, virtual currency, or money service

This complaint involves Robinhood stocks. I have an account that Im trying to close. Robinhood wont release my money. The website say to email me - but they wont respond. When I try to call, theres a message directing callers to email - which they wont respond. Ive filed a XXXX  complaint - and they wont respond to that.

I closed my original bank account - XXXX XXXX - for personal reasons. Robinhood wont release my money because I closed that bank account. I have another verified bank account - but system wont allow me transfer to that. 

So I cant talk to anyone to verify who I am, I cant verify myself online to set up the transfer, and they wont respond to service. So in the meantime my money sits there being held XXXX. 

I need my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Accordance to 15 USCode 1692 ( c ) communication in connection with debt collectors. Title 15 sub16-11 false and misleading denial of my own credit. HRJ-192 United States obligations.15 USC 1693 ( L ) Breach Of Contract, Fraud Of The Inducement. 15 USC 1581- Permissible Purpose. 15 USC 6802 must not disclose without approval
Product: Payday loan, title loan, personal loan, or advance loan

CFPB, I am filing a formal complaint regarding my SoFi personal loan ( Account Number : XXXX ), which includes an origination fee that is in direct conflict with SoFis publicly advertised policy of charging no origination fees on personal loans. 

SoFis website and terms and conditions clearly state that no origination fees are associated with their personal loans. However, my loan includes such a fee. When I contacted SoFi to address this issue, I was provided conflicting and misleading information : On one occasion, I was told that the origination fee is always included and that their website was incorrect.

On another occasion, a supervisor informed me that the fee was optional, and they wished they had spoken to me when I took out the loan. 

These contradictory explanations and the existence of the fee are not only misleading but a violation of my rights as a consumer. SoFis advertising and policy create an expectation that personal loans are free of origination fees, and their failure to honor this policy has resulted in an unjust financial burden.

I request that SoFi refund the origination fee on my loan in full and ensure their advertising and policies align with their actual practices to prevent further consumer harm. 

Personal Information for Reference : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone : XXXX Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Debt or credit management

Subject : Complaint Against Credit Glory LLC Fraudulent Charges and Misrepresentation Dear CFPB Team, I am filing a formal complaint against Credit Glory LLC due to their deceptive practices, failure to deliver promised services, and unauthorized charges. 

On XX/XX/year>2024, I was seeking to resolve an issue with a negative account on my credit report. I knew that I needed to contact XXXX XXXX, the collection agency handling my account. To find their contact information, I searched online and called what I believed to be XXXX XXXX. 

However, I unknowingly reached Credit Glory LLC, who falsely claimed that they worked directly with XXXX XXXX and could handle my case. They assured me that they would remove the negative account from my credit report within one month. I trusted them and proceeded with their service. 

More than a month have passed, and the negative account is still on my credit report. Additionally, Credit Glory LLC has continued to charge me {$100.00} per month without my consent, even though they failed to provide the service they promised. 

I now realize that I was misled and that this company intentionally deceived me to gain my business. Despite multiple attempts to resolve this issue, they have not taken any meaningful action.

Resolution Requested : I am requesting : 1. A full refund of all charges made by Credit Glory LLC, as they have not provided the promised service.

2. Immediate cancellation of any further charges to prevent additional financial loss.

3. Investigation into Credit Glory LLC for misleading consumers and engaging in fraudulent business practices. 



I trusted this company based on their false claim of working with XXXX XXXX, and I feel I was deliberately scammed. I appreciate CFPBs help in addressing this matter and ensuring that other consumers do not fall victim to similar deception. 

Best regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 XXXX XXXX XXXX received a letter of validation from me. They responded on XXXX, 2017 with a letter and a contract that was allegedly signed by me. The thing is that company 's name is nowhere on the contract. I have never signed anything for XXXX  XXXX XXXX. After all of that, earlier this year they repossessed my car after I made arrangements with them and paid money. I tried to get my money back but they lied to the bank and so I had to suffer the consequences. They practically stole XXXX from me, and then they lied about it.
Product: Credit reporting or other personal consumer reports

I have been disputing these accounts for over a year. The accounts belong to my father not me. 

XXXX {$4900.00} XXXX XXXX XXXX XXXX ) {$1200.00} XXXX XXXX XXXX XXXX XXXX ) {$540.00} XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX {$6600.00} These accounts belongs to my father.
Product: Debt collection

My wife and I had XXXX XXXX XXXX prescription coverage with XXXX XXXX XXXX ( XXXX XXXX XXXX ) for a few years. The yearly premium increases made the XXXX monthly costs not affordable for us. We called them in XXXX XXXX and said we no longer could afford this plan. They continued to send us bills month after month. We did not use this plan to pay for any prescriptions after XXXX XXXX. We wrote them a note in response to their last bill stating the above. They ignored our note asking them to stop sending us bills for a plan we no longer have and have not used since XXXX XXXX. They now have a debt collection company, RMS in XXXX, Ohio trying to collect {$190.00} from both myself and my wife ( a total of {$380.00} ) We do not owe XXXX XXXX XXXX this money for a plan we no longer participate in or made use of after XXXX/XXXX/XXXX. This company has not paid XXXX towards any prescriptions for us in XXXX.
Product: Debt collection

I received an email from XXXX XXXX telling me to dispute a collections claim for XXXX XXXX. Ive never or opened an account with this company. The collection company is requesting {$1200.00} dollars for an unpaid bill for an account Ive never opened. I contacted duke energy and was told to start the dispute process. XXXX XXXX stated the account is closed due to non payment but did acknowledge to file that it was opened fraudulently. I will be filing a police report for this fraudulent activity as well as continuing the process to get this collection/debt off my credit report.
Product: Bank account or service

SUMMARY : 1. Bank of America refused to give me a receipt for cash money received. 
2. Bank of America charged me at the higher Cash Advance interest rate for services rendered
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts with the Fraudulent Company as well as the Credit Agency to REMOVE INACCURATE INFORMATION from my Consumer Report! As of this Complaint, I am awaiting an Answer to the 3rd Request from the Credit Agency regarding a specific account. More over, The Credit Agencies are Bound by the Law to MAINTAIN PRIVACY AND ACCURACY. Specifically OFFICE ATTY GENERAL XXXX EXPERIAN REPORTS LAST ACTIVE DATE AS XX/XX/XXXX LAST PAYMENT AS XX/XX/XXXX XXXX REPORTS LAST ACTIVE DATE AS XX/XX/XXXX LAST PAYMENT XX/XX/XXXX EXPERIAN XXXX AND XXXX STILL HAVE NOT DELETED THIS FRAUDULENT ACCOUNT AND ARE GUILTY OF THE FOLLOWING : 15 USC 1681a 2 ( A ) ( i ) by reporting transactions and or experiences on My Consumer Report which CONGRESS states is NOT INCLUDED on ANY CONSUMER REPORTS. 
They further violate the following. 15 USC 1681 Section 602 A Section 2A States that I have a right to privacy.

15 USC 1681 604 A Section 2 States A Consumer reporting agency CAN NOT furnish an account without my Written instructions. I DID NOT GIVE ANY PERMSSION!

15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following terms 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 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

I HAVE DISPUTED THE FACTS MANY TIMES AS EVIDENCED BY THE INCONSISTENT NOTES THERE IN ON THE ACCOUNT.

EXPERIAN AND XXXX  still report the INACCURATE INFORMATION. As well as they violate the entire PRIVACY ACT OF 1974 AS per XX/XX/XXXX Consumer Reports still show this account with Updated Misinformation! STILL DOES NOT MATCH AND IS TO BE DELETED.
Product: Credit card or prepaid card

On XX/XX/XXXX I filed a dispute on my prepaid American Express Serve account for a total of XXXX atm withdrawals that were fraudulently done on my account. This totaled {$2000.00}. XX/XX/XXXX I received a dispute acknowledgment email.After checking my account history deeper I was able to locate XXXX more atm withdrawals that were fraudulent on my account which totaled {$810.00}. This brought the total money stolen from my account to {$2800.00} dollars. XX/XX/XXXX I filed the dispute for those transactions. XX/XX/XXXX, I received another dispute acknowledgment email, this is where I can submit my forms and evidence. 
XX/XX/XXXX my dispute was declined over email, I never spoke to anyone about this investigation. The email stated that they saw no error in the transactions and that they were authorized. Not once did I give my card to anyone nor does anyone know my pin. XX/XX/XXXX I filed another claim, XX/XX/XXXX I received an email acknowledging the dispute. Then again I submitted my evidence and an explanation of this. XX/XX/XXXX the dispute was declined again saying no error has occurred. Then XX/XX/XXXX I filed another dispute, XX/XX/XXXX I received a dispute acknowledgment email again, I sent in the evidence again. This is my XXXX dispute and I really need professional help. I feel their practices have not been in line with the consumer rights and laws. Now this matter has been unfair and Ive had no type of communication with the investigating team, not once. I feel that is wrong on top of the matter that I did not authorize, nor did I take this money out. It was taken out fraudulently. The common theme of these transactions were that they went to XXXX XXXX locations from XXXX XXXX taking out {$700.00} plus dollars at each of the locations. My daily limit of what I can take out is {$600.00} dollars it has never let me exceed that. On top of that I have never taken money out of XXXX locations. I prefer going to a money pass ATM where it is free, those are usually located at a XX/XX/11 and they are pretty secure. Also I work frm XXXX to XXXX XXXX  and during those days they made multiple visits. I could not and would not take a trip to XXXX to take money out when it is multiple atm machines near my work place. It is clear this was fraud but some reason Amex thinks otherwise. I would appreciate your help, my name is XXXX XXXX my number is XXXX, email is XXXX, thank you for your time.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year>, I requested to have all personal information updated with accurate information. Since then, my personal information has remained inaccurate to date.
Product: Credit card or prepaid card

I have Paypal Credit Issued through synchrony bank.  I was approved for a XXXX  dollar limit.  I have good credit and have not missed any payments.  I still have XXXX dollars of credit left on my card but it is not allowed to be used online for any purchases now.  When I log in to PayPal to make my payment; the credit is not available.  I have tried for two weeks to resolve with the company. They give the same story every time.  First, they pass you between 3 teams to verify there are no blocks on the account or issues on their end.  Then after they verify all that; they say some merchants don't accept PayPal credit and it's on their end.  The merchants I'm trying to buy from; I have purchased from in the past with PayPal.  Merchants like Walmart, XXXX; known companies.  I'm, not the only person having this exact same issue.  If you go to this link; (XXXX)  there are thousands of people saying the same exact thing and having the same experience and response from the company.  Dating back to XX/XX/2017 to now.   This company ran my credit which DIRECTLY impacts my score just for checking.  They approved me and now deny me the use of the card.  I could of went with another card that does not do this.  The thing that is most frustrating is them always saying "Its not us, we want you to use our card" .  Paypal credit is a scam, they should not be allowed to run your credit and appove you for a certain amount but then let you use it as they see fit
Product: Debt collection

XX/XX/year> some one gained access to my personal information and was approved for a apartment with XXXX XXXX XXXX and created a debut for XXXX XXXX I also noticed a address I have no association with was reported on my credit report the same time the collection popped up which was XXXX XXXX XXXX XXXX md XXXX. I tried disputing address but wasn't successful with all three credit reporting agencies.
Product: Credit reporting or other personal consumer reports

XXXX I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain
Product: Debt collection

Portfolio Recovery Associates failed to provide me with a copy of any original documentation for example, a consumer contract with my " wet-ink '' signature on it as required under Section 609 ( a ) ( 1 ) ( A ) & Section XXXX ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Experian on several occasions to inform them they are reporting false personal information on my credit report and nothing has been resolved yet. The addresses they have reporting are company addresses that doesn't belong to me and causing my credit rating to go down and misleading to creditors. Here are the addresses ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Also update my EMPLOYER : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute on XX/XX/2023 along with my government ID with current address my dispute is my name that is incorrect on the report and a few addresses that are also not correct. That is on the report and eviction. They did reach out to me and stated that my report with not be updated
Product: Vehicle loan or lease

Cease and desist reporting on my credit report due to not providing me a 1099 c to file on this discharged account
Product: Vehicle loan or lease

I have been a customer with Credit Acceptance Corporation since XX/XX/XXXX. My XX/XX/XXXX used vehicle is unfortunately financed through them. I have XXXX and have recently been undergoing XXXX. I had a payment that was due on XX/XX/XXXX. My next payment was just due on XX/XX/XXXX. A few days ago I called and spoke with a rep and Supervisor on XX/XX/XXXX and told them I was in the hospital and asked if they could give me an extension until the end of the month to catch up payment. They said no and that the disabling switch to cut off the car would go into effect in a couple days by XX/XX/XXXX if I didn't make at least the payment if {$290.00}. I asked if they could put that one payment at the end of the loan due to the circumstances and stated that they do not provide that option. So if you get sick you loose your car. They will disable it from starting and start the repo process. It does not matter how many years of payments you've invested into paying these people. When I purchased this car the dealership stated this was one of the lenders quick to say yes but you don't know how bad the lender is until you start dealing with them. With no options for customers when they have a financial hardship especially due to sickness this lender is not providing consumers with good car loans. They are simply in business for profit and could careless about the consumer. This company needs to be investigated for its practices for no options for consumers to put at least one payment at the end of their loan or the ability to make even a partial payment. Consumers get XXXX   with company. They need to fulfill my request.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud in their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund transfer Act ( EFTA ) and regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX2016 I received a letter from this auto lending company XXXX XXXX and when I spoke with them via phone they explained that they would remove this transaction from my credit report that shows 3 times over thirty days late I am attaching a letter that shows that this matter was settled these transactions should have been removed from all three Credit Reporting Agencies XXXX XXXX and XXXX because they agreed to remove these transactions they are now along with XXXX XXXX and XXXX in violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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