23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX. XXXX : # XXXX, XXXXXXXX XXXXt Bank : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX Bank, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Trident Asset Management Is using unethical practices. 
XXXX they changed the open date from XXXX too XXXX on an account so that they could report past the statute of limitations. I have the supporting documentation for this and sent letters to both XXXX XXXX XXXX. XXXX of where they did this. Trident Asset Management Is also reporting XXXX collections from XXXX & XXXX as current accounts that are delinquent on my XXXX report taking my payments from 100 % to 60 %. A few months ago I sent letters to each credit bureau asking them to remove old accounts that expired their statue dates. The Bureau 's obliged and did so with the exception of Trident 's XXXX that fall under this complaint because they had a few months left. Hence XXXX they are now changing dates to get back at me and try to report longer. And they are also reporting collections accounts as original creditors and not as collections as they should be on my XXXX report. Actually the XXXX from XXXX should have expired anyway but they are still reporting it. I do not believe this an accident, How many mistakes can XXXX company make? I believe they are doing this as to spite me for asking the credit bureau 's to remove their accounts.
Product: Payday loan, title loan, or personal loan

We purchased a new AC system for our home and financed thru Wells Fargo. it had an no interest period that terminated on XX/XX/2021. we were encouraged to pay monthly online and so paid little attention to monthly statements especially the one from XX/XX/2021 telling us to pay the principal balance prior to XX/XX/2021 or deferred interest would be applied at an annual rate of 28.99 % ( usury to say the least ). with XXXX worries we obviously never looked at the statement- our fault. Once i discovered it today i called Wells Fargo immediately to ask if i paid the principal off could they adjust the interest amount. XXXX XXXX # XXXX said there is nothing they will do, we new the rate and each statement had a note to that effect. our wells fargo acct number is XXXX XXXX XXXX XXXX. 
i feel this is unfair to have no interest in adjusting the incredibly high rate they are charging.. encouraging online, payment makes it almost a given that you will ignore the statements and its small notice of upcoming end to the promotion.
Product: Debt collection

I had a membership with XXXX XXXX, and I went there consistently for a couple months until I got pregnant and had an injury during my pregnancy. I let them know the day I had left the gym as well as called back a month later, after I had received a charge, even though I have not been going. The representatives and let me know on several different calls that I didnt have to worry about anything, and since I had to dispute the charge with my card, theres nothing further I needed to do on my end due to the unique situation. I had been receiving strange calls to update my financial information so I had called back again and they let me know as long as the money wasnt coming out of my account. Theres really not much they could do. About a month or so ago I received a call from the manager at that branch letting me know that they were about to send my debt to a collections company because I owe over {$300.00}. Every single time Ive spoken to a representative. I thought there was no further action was needed but since they have proof of the attempts of calls, they made theyre not willing to work with me on the debt. I was going back-and-forth with the manager in regards to taking care of the account. However, he stopped responding about a month ago and now I received a collections notice from a legal firm.
Product: Credit card or prepaid card

My XX/XX/XXXXunemployment Reliacard was issued by U.S Bank. On XX/XX/2020 I tried to make a card to Bank transfer from Reliacard to My personal Checking account. However, the transfer was not approved and U.S Bank froze my account for no reason. I called the customer service at U.S Bank regarding the transfer. The customer service told me that My card was deactivated that they will issue a new card for me. So I waited for a week for my new card, however, the card never arrived. Then, I logged into my online account on XX/XX/2020 and I saw my unemployment money was missing from my account while I had no access to my card or money. There are {$3100.00} were used in XX/XX/XXXXBut I live in XX/XX/XXXX and have never been to another state and was in college. However, I received a letter from U.S Bank denied my fraud claim on XX/XX/2020. Please help me with my unemployment money.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative I am writing to formally escalate my complaint regarding the continued reporting of inaccurate information on my credit of the Issue. I have submitted several disputes regarding inaccurate information on my credit report. Despite multiple follow-ups and submission of evidence that XXXXXXXX XXXX updated its records with XXXX and Equifax on XX/XX/year> to show that there should be no late payment for the months of XXXX, XXXX, and XXXX per the XXXX XXXX  report XXXX the credit reporting agencies have repeatedly verified the inaccurate data as accurate and have continued to report late payment for XXXX, XXXX and XXXX. The continued inaccuracies have caused my credit score to drop by over a 100 point leading to financial hardship, credit denials, and emotional distress. This situation has disrupted my financial stability and personal well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts : XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX- Account # XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX-Account # XXXX XXXX-Account # XXXX XXXX XXXX XXXX XXXX -Account # XXXX XXXX XXXX XXXX-Account # XXXX XXXX XXXXXXXX XXXX-Account # XXXX has violated my rights as a consumer. 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 an account without my written instructions 15 U.S. Code 1681s2 : 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. 
No consent was given.
Product: Credit card or prepaid card

I am making a complaint against chime. I have been trying to get a card from them for about 6 months now and have not received one yet. I have called them 6 times and everytime I have called they offered to send another card. I have provided them with my correct address and this last time they want additional proof that this is my address. I don't have any more proof to give them. I am fed up with trying to get a card from them and now they want more proof. What more proof do I need? This is my complaint. Thank you.
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on 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 caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Stemming from complaint ID XXXX. Company did NOT address the issue at hand with ACCESSING MY CREDIT REPORT. NOT the CUSTOMER SERVICE CENTER. It is two separate items.
Product: Money transfer, virtual currency, or money service

Hello, I experienced a scam through PayPal that is still not being properly resolved with my financial institution XXXX XXXX  XXXX XXXX ) where I filed a dispute or PayPal. 

To explain the situation, on XX/XX/year>, I was purchasing a physical item for XXXX XXXX XXXX XXXX XXXX from a XXXX seller who showed proof of having the item and agreed to ship it. I initiated an international money transfer to them but never received the item ( Transaction ID : XXXX ). They eventually decided to ghost me when I tried to contact them, indirectly indicating that they were not planning to ship it at all, as agreed upon initially. I transferred money with XXXX XXXX XXXX XXXXXXXX XXXX card and first tried to resolve it through my financial institution, but they would eventually deny the claim. At the time, I didnt know until around late XXXX when I continued contacting them to get some response from the ongoing issue that PayPal apparently told them that they didnt have any rights to working with them with the chargeback case, so they denied me any refund because of that. As a result, PayPal opened a case for me in XX/XX/year> that would eventually escalate further ( case # : XXXX XXXX XXXX to the lack of any recourse from the seller or the bank. So, my constant circle of calls and getting the same, not so helpful responses from both companies began and still persists today. 

On XX/XX/year>, PayPal closed my claim, siding with me and indicating on their resolution center website that I would receive a refund. However, the refund has never been processed by XXXX XXXX XXXXXXXX ( who PayPal says is responsible for that ) or PayPal ( who XXXX XXXX XXXXXXXX says should be responsible ). 

It is unacceptable how my case is supported but no action is being taken to fully conclude my dispute with the refund I rightfully deserve after someone who should have been trusted broke my trust for greed. 

I was wrongfully denied without even being given a chance to provide proof and Ive reached the limit to where I can wait any longer. I plan to file a complaint against both XXXX  XXXX XXXX and PayPal with my Office of the Attorney General in my state, the FTC and the XXXX  in this case.
Product: Credit card

The interest was raised from XXXX to XXXX and we try to deal with the interest raise and they refused.
Product: Student loan

I applied to Navient via their School Misconduct Discharge and they said No. The facts are that the Department of Education is cancelling my federal student loans from XXXX XXXX  XXXX XXXX XXXX due to findings of school misconduct so my private loans should be cancelled too. 


Loan 1 Info : XXXX {$25000.00} Loan 2 Info : Co Signer to be released as well : XXXX XXXX XXXX {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up CFPB Complaint to my previous CFPB Complaint I submitted requesting the deletion of the fraudulent accounts and information from my Credit File. I have read that under the Fair Credit Reporting Act section 605b. I am protected by the Federal law form erroneous reporting and you are required by law to remove any accounts and information off of my Credit File. Please comply with law and have the disputed accounts and information removed as soon as possible : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$2000.00}. You have not sent me any copy of proof of verification supporting your claims that the disputed accounts belong to me. Without these documents, immediate deletion of the disputed items is to be expected.
Product: Checking or savings account

I was getting unnecessary Overdraft fees, charge for low insufficient funds, money missing from my Account. Dispute about my money because missing, without a solution.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXX  Account : Account Number : XXXX Account Name : XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXXAccount : Account Number : XXXX Account Name : XXXX XXXX XXXX  Account : Account Number : XXXX Account Name : XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX XXXX Account : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXX XXXX XXXX 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 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

These people are calling saying they are from ADR Arbitration Group in New York and if I do not pay or contact them back within 24 hours they will have me prosecuted to the fullest extent of the law.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and as a result, fraudulent inquiries have been made on my credit file. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following inquiries be blocked and deleted from my credit report. 
Inquiries to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit card or prepaid card

I applied for a Hilton Honors Amex Surpass card in XX/XX/2020. the offer was XXXX in Hilton Honors points if {$2000.00} was spent using the card within two months. I received the card in XX/XX/2020 and met the spend requirement per the original offer, although it had been extended. I have been told this is not the offer I applied for, and Amex is refusing to honor their agreement. The offer is still available at Hilton.com and is it was in XXXX and before so not a short term promotion. I expect Amex to meet this agreement as I fulfilled my obligation. Very disappointed in the companies lack of customer service and am considering cancelling my two other Amex card along with this one which involves loss of business for one of their partners, Hilton Hotels. I will be filing the same report against Hilton.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi- I submitted a XXXX complaint to Experian and XXXX about XXXX XXXX charge off, account # XXXX, that is not mine that has been on my credit report over 30 days ago now and it's still being reported, also their investigation is still either ongoing or not even started as I received no response from them at all. 

Please also note a few months ago XXXX validated that the account was NOT mine and REMOVED it off of my XXXX credit report. I'm not sure why Experian and XXXX are not being compliant or co-operative. Nonetheless I warned them about a 30 day demand to comply in the same letter mailed out to them since XX/XX/2022.
Product: Mortgage

Unfortunately my mortgage loan was transferred to Specialized Portfolio Servicing several months ago. My online mortgage statement has been incorrect ever since my mortgage was transferred to them and it is still incorrect. I don't know if they are incompetent, or just dishonest. I have never missed a monthly payment with them, nor with the previous mortgage company, and my bank statements are evidence of this fact. My current statement claims that I did not make a payment for the month of XX/XX/22 and this is not true. 
SPS received the payment. The XXXX payment is scheduled for XX/XX/22. In addition, there is an overage in my account for several XXXX XXXX  which they claim they can not send me because my account is overdue. My account is NOT OVERDUE. ALL PAYMENTS HAVE BEEN MADE. They know this and I have the evidence to prove it. I am getting really tired of the games this company plays every single month.
Product: Student loan

I know that I am victim of student loan scam. 
Right after I lost my job, I started getting calls asking me " Do you have federal student loans? ". On or around XXXX XXXX, 2015, I answered desperate after I had used all of my deferment months with XXXX XXXX loan servicer. I was speaking with XXXX XXXX from the company XXXX XXXX ( see attached ). I thought that her pitch seemed like a scam but she kept telling me how much this program would save me. As a XXXX who works XXXX, I am eligible for XXXX XXXX XXXX XXXX XXXX so I thought that this was only way to sign up. I told her that I had I heard of this program but was unsure how to access it. Since I was in such a vulnerable and panicked place, everything was in collections because I had just been laid off from my job after 15 years. 
So, I began the process of signing up for the forgiveness program with XXXX so that my loans would be forgiven in ten years. For this service, XXXX told me that they would charge me {$39.00} dollars a month on top of my federal student loan payments. I agreed and when I reviewed the contract, I called them back because they were going to charge me {$1300.00} for this service. I called them back and they said that this {$1300.00} was an upfront fee for this service and that the {$39.00} dollars would be the monthly fee once it was broken up over time. Since I was desperate and did n't know that I could sign up for the public service loan forgiveness program on my own, I agreed. I kept asked her is n't this program free? The representative convinced me that the program was not free to sign up for and that I would be lost in the paperwork to sign-up on my own. I reluctantly agreed to sign up with XXXX and signed the contract on XXXX XXXX, 2015 ( see attached ). They then transferred me to another person who took my information for automatic payments. 
I made my first payment of {$39.00} on XXXX/XXXX/2015 to Equitable Acceptance Corporation. Many months went by and then I attended a Student Loan workshop on the XXXX program at XXXX XXXX XXXX XXXX. I realized at this workshop that I had been scammed. I reached out to a financial coach at the XXXX XXXX XXXX XXXX and she helped me understand the scam and we started finding out the details of what I had fell victim too. I found out that I had a loan for the services from XXXX XXXX XXXX for {$1300.00} that was sent to Equitable Acceptance Corporation ( EAC ). When I called EAC, they said they had no knowledge the money was for and they did not know who XXXX was. Also, that if I stopped paying them, it would adversely affect my credit. I have been paying EAC {$39.00} every month for over a year. The {$1300.00} of the original service had an interest rate of 20.03 %. I am exhausted and furious that this has happened to me when I was at my lowest. Since doing substantial research I have found that the CFPB has helped people like me and gone after these scammers. I hope that the CFPB is already investigating these companies and that they will be brought to justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND I DISCOVERED AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AT YOUR EARLIEST CONVENIENCE.
Product: Debt collection

collection agency who does not exist ( fraud ) mACS XXXX his name was XXXX XXXX probably alias. stated was from a collection and have to make a settlement on an acct which does not exist from a cking acct from 2009.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M HAVING PROBLEMS WITH ACCOUNTS REPORTING ON MY CONSUMER FILE THAT ARE CAUSING ME TO NOT BE ABLE TO PURCHASE A NEW HOME.