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

Monthly minimum payments are {$150.00} with {$100.00} going towards interests and not principle. Salesman specifically explained how the loan process works but it seems as though we are being scammed. He definitely tricked us in getting into the loan when the he specified that it was a normal loan as equivalent to a vehicle loan, etc. ( i.e, where the majority of payment goes towards principle and the lesser amount towards interests. ) Definitely not the case and Aqua finance needs to be shut down for these illegal practices.
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 XXXX XXXXXXXX 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 an 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 or 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

Cavalry his illegally garnished my wages. The debt in question is not mine Cavalry his no verified this and did not send second notice of court date for me to dispute this debt. This lack of candor has caused me and my family great financial hardship, XXXX XXXX XXXX and myself physical stress due to the fact I am fighting XXXX. I am now behind on all fo my bills because of Cavalry SPV I LLC negligence to verify and to notify the account or me. I lost my one match donor out of XXXX XXXX donors for a XXXX XXXX and must do the search over for another donor that matches due to Cavalry Portfolio Services , LLC unjust/unfair practices.
Product: Debt collection

I have sent in letters to the company and bureaus no responds I need to see the original contract of the debt. They have not responded at all
Product: Debt collection

Military Star Card : XXXX XXXX XXXX for activity duty and retired service members and there family. I Got behind on my star card and was unable to catch up my payments when I started working for USPS star card collections agency contacted my job and started taking money from my pay a different amount each time depending on what I make every two weeks I contacted this collection agency and try to set up a payment plan and they would not work with me they wanted all are nothing. I tried reaching out to them again to settle the debit with the original amount of the credit card which was XXXX I told them I could settle the debit in two schedule bank drafts payment and was willing to give them my bank information and two dates that were within 30 days to draft the payments. The collection agency told me to call back when I have all of the XXXX to pay on the same day. The collection company is charging me high interest fees and collection fees every month only about 1/3 of the monies they are taking from my pay is going towards paying off the debit. The original credit amount was XXXX and now with all the interest and collection fees I owe over XXXX dollars so far the collection agency has garish XXXX from my paychecks and not even half has been put towards the debit just paying collection fees and interest the debit is steady going up and not down.
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided Due ta my information being exposed, | have submitted a FTC complaint reporting the information i am not familiar with. 
Please find attached a copy or My ID. The FTC complaint, a copy or the XXXX report showing my information being exposed in a national data breach and a Validation of debt letter
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 a paragraph 2 subsection I. Transactions arent included in credit reporting.
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 confidentially under 15 USC 1681. XXXX Accounts # 1 XXXX XXXXXXXX ( {$800.00} ) # 2 XXXX XXXXXXXX ( {$700.00} ) # 3 XXXX XXXXXXXX XXXX ( {$370.00} ) # 4 XXXX XXXX XXXX ( {$2700.00} ) # 5 XXXX XXXX {$700.00} ) 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 the information is inaccurate.
Product: Mortgage

SANTANDER/XXXX XXXX XXXX. 1 ) 3 COMPLAINTS FILED WITH NYS DEPT.of FINANCIAL SERVICES. LENDER PROVIDES NYS WITH CORRECT ANSWER THEN TAKES OPPOSITE ACTION WITH THE BORROWER. LENDER HARASSES BORROWER WITH COLLECTION ACTION BOTH WITH CORRESPONDENCE, PHYSICAL HARASSMENT BY ENTERING MY PROPERTY, AND PHONE HARASSMENT. AS OF TODAY MY MORTGAGE IS PAID TO DATE AND THE NEXT PAYMENT DUE IS XX/XX/XXXX TO COVER THE PERIOD XX/XX/XXXX -XX/XX/XXXX. THIS LENDER BELIEVES THEY ARE ABOVE THE LAW. IN XX/XX/XXXX WE HAD A CHAPTER XXXX BANKRUPTCY DISCHARGED IN THE STATE OF NEW YORK. WE NEVER REAFFIRMED OUR MORTGAGE WITH SANTANDER/XXXX YET LENDER IS CONTACTING THE BORROWER WITH THEIR 3 PRONGED ATTACK. THEY EVEN ADMIT TO AS MUCH IN THEIR RESPONSE DATED XX/XX/XXXX. THIS NEEDS TO BE STOPPED IMMEDIATELY AND LENDER SHOULD BE PENALIZED FOR THE FULL AMOUNT OF THIS MORTGAGE. WE PAY OUR MORTGAGE MONTHLY ON OR ABOUT THE XXXX OF EACH MONTH AND HAVE CONTINUED TO DO SO SINCE SOME EXTREMELY DIFFICULT FINANCIAL TIMES ( HURRICANE SANDY FOR 1 ECONOMIC COLLAPSE 2ND ) THIS LENDER HAS NO RESPECT FOR THE LAWS THAT PROTECT US DURING THE DREADED BANKRUPTCY PROCEEDINGS. PLEASE TAKE ACTION.
Product: Mortgage

American Financial Network called me yesterday XX/XX/2022 and I called back at XXXX PM and the call lasted 10 minutes and 23 seconds. During the conversation I was told nothing about the company needing any additional information, I was told nothing about what the status of the loan modification was, and then during the end of the call, I was told that my mortgage was under review and pending approval for a loan modification. 

I do not know what to do when I am constantly getting different information every time I speak to people at American Financial Network and XXXX XXXX XXXX. I can't decide what to do or what steps I need to take as a result. I have provided the information requested by American Financial Network and XXXX countless times without fail. I would also not that recently I was told that XXXX has the mortgage or loan number XXXX. I have no idea what is expected of me or what to do and this fraud and misinformation campaign needs to end!!
Product: Payday loan

I was in the process of applying for a payday loan through the company 's website. It states I already have an account with them. I requested information on the loan that was already taken out as I have no prior contact and no records by email or bank statements of doing business with the company. they told be the account is closed, marked past due, and the loan has been sold to ta 3rd party agency. would not tell me when the loan originated, or the amount, or when the loan was sold to a third party agency.
Product: Checking or savings account

This complaint is related to complaint number XXXX with your agency. I am requesting every single banking fee refunded to my account from TD Bank with interest at the usury rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX   XXXX {$1100.00} XXXX XXXX {$2000.00} XXXX XXXX {$5100.00} XXXX XXXX {$13000.00} XXXX XXXX   XXXX {$23000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$260.00} XXXX XXXX {$720.00} CHAPTER XXXX BANKRUPTCY  XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquire or accounts I did not do
Product: Money transfer, virtual currency, or money service

Repeat of the CFPB 's article in 2015 almost verbatim https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-paypal-for-illegally-signing-up-consumers-for-unwanted-online-credit/ It's not even subtle, there's mockery in it now that they can add little emojis and notes, but it's also hubris that incriminated them in the first place as my family never uses text when making transactions. 

If they have a template for this kind of thing then maybe the CFPB needs one as well to countermand the other.
Product: Credit card

I contacted customer service after being released from hospital about charges I did not authorize. The charges were from XX/XX/XXXX to the XXXX. I reached out XX/XX/XXXX. They responded on XX/XX/XXXX, denying the claim and taking away the previous temporary provisional credit. The team it was reported and denied is not adequate time to investigate thoroughly. Ive reached out several times to appeal this decision or for reconsideration as the denied reason states Unfortunately, these charges were authorized, and the merchant completed the service requested, so we are unable to pursue recovery on your behalf. Ive contacted them XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and still no additional information has been provided to me.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 wire transfer of XXXX payments of {$150.00} to XXXX registered as XXXX on XXXX ( Chase ) XXXX pretended to be a girl on XXXX who contacted me offering to exchange XXXX photos. They then blackmailed me ( XXXX  ) by threatening to share XXXX  photos of me with my family, friends, univeristy, etc. If I didnt pay X amount of money. 

I am hoping to receive the {$300.00} I sent Chase told me XXXX payments are non-reversible, but I anticipate if legal action is taken this could be changed.
Product: Credit reporting or other personal consumer reports

I recently filed a complaint against Transunion, requesting employer : XXXX XXXX to be removed from my credit report due it being reported incorrectly. XXXX XXXX XXXX Transunion responded by removing the wrong employer from my credit report. 

Please review my complaint below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXX XXXX XXXX  Re : Dispute of Inaccurate Personal Information ( Employer ) Dear TransUnion Consumer Relations, I am writing to dispute certain inaccurate information in my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). My credit report contains incorrect personal information that needs to be corrected. 
The inaccurate information includes : XXXX XXXX XXXX XXXX XXXX XXXX please remove ) Under the FCRA, specifically Section 611 ( 15 U.S.C. 1681i ), I am entitled to dispute inaccurate or incomplete information in my credit report. Additionally, entities that furnish information to the credit reporting agencies are required under Section 623 ( 15 U.S.C. 1681s-2 ) to provide accurate information and correct any inaccuracies. I have enclosed copies of documents that confirm my identity. Please investigate these matters and correct the inaccurate information as soon as possible. Enclosures : Driver 's license with the correct address Copy of a utility bill, bank statement and auto insurance Please confirm in writing that these corrections have been made and provide me with an updated copy of my credit report. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against CREDIT PROTECTION ASSOCIATES. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Product: Vehicle loan or lease

{$4000.00} debt sent 609 dispute letter XX/XX/20
Product: Credit reporting or other personal consumer reports

I HAVE WRITTEN COMPLAINTS AND REQUESTS FOR BOTH OF THESE ACCOUNTS TO BE REMOVED FROM ALL RECORDS! DUE TO IDENTITY THEFT!!! THEY FAILED TO COMPLY AND I EXPLAINED THAT I HAVE NO PHONE, ETC!!! THEY DO NOT CARE ABOUT BEING SUED, ETC!!! I AM UNABLE TO WORK DUE TO THE STRESS OF THIS SITUATION AND I AM SICK OF BEING BROKE AND LIVING ON THE STREETS WITH NOTHING OR NO ONE!!! FIX THIS NOW!
Product: Money transfer, virtual currency, or money service

I did an instant transfer from my Paypal account to my checking account in the amount of {$140.00} on XX/XX/2019 at XXXX XXXX CST. PayPal assessed a 1 % ( {$1.00} ) out of the {$140.00} transfer, so the actual amount going to my local bank account was {$130.00}. I received an email from PayPal at XXXX XXXX CST on XX/XX/2019 staying the below : - - - - - - - - - You transferred money to your bank You transferred {$130.00} USD to your XXXX XXXX, XXXX. You used the Instant Transfer option, so the money should be in your bank account and available now. 
Transfer details Transaction ID : XXXX XX/XX/2019 Total amount transferred {$130.00} USD Fee {$1.00} USD - - - - - - - - - It is now XXXX XXXX CST on XX/XX/2019 and the money has not hit my bank account. I have spoken to banks transfer department and have been advised there is not a pending payment on my account nor is there anything blocking it from coming to my account. 

I have spoken with XXXX, a manager, at PayPal and he advised me that this is going to take 3-5 days and that this is a federally regulated. PayPal charged a 1 % fee for a service that has not been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 XXXX WONT EVEN ALLOW ME TO DISPUTE ONCE I LOG ON.. 

XXXX WONT EVEN ALLOW ME TO LOG IN OR RESET THE PASSWORD EXPERIAN I EVEN CALLED THEM TODAY AND THEY REFUSE TO CORRECT MY NAME AND ADDRESSES. 



MY NAME IS XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY PHONE XXXX XXXX XXXX MY EMAIL XXXX ( i will only respond to email, no phone solicitations ) you are violating my rights with the false information. i am attaching all documents Drivers license, XXXX XXXX, XXXX, XXXX my name needs to match my XXXX XXXX
Product: Debt collection

IN XXXX I RETAINED A LAWYER FOR CHAPTER XXXX BANKRUPCTY. HE SENT LITIGATIONS FORMS TO EACH AND EVERY CREDITOR ON MY CREDIT REPORT. LAWYER ADVISED ME TO STOP MAKING ANY AND ALL PAYMENTS IMMEDIATELY, NO MATTER HOW SMALL THE PAYMENTS MAY BE TO SOME COMPANIES B/C IT NEEDS TO BE A FAIR ACT ACROSS ALL CREDITORS AND NO ONE CAN BE PAID ABOVE ANY OTHER. I LOGGED INTO CAPITAL ONE BANK AND REMOVED MY AUTO PAY INSTRUCTIONS AS WELL AS THE BANKING INFORMATION ON FILE SUCH AS MY CHECKING ACCOUNT NUMBER, ROUTING NUMBER AND DEBIT CARD LINKED TO MY CHECKING ACCOUNT AT XXXX. SOMEHOW CAPITAL ONE PULLED A PAYMENT XXXX MONTHS LATER, I DECIDED IT WAS NOT WORTH MY STRESS FOR XXXX PAYMENT AND SAID NOTHING. THAN ANOTHER XXXX MONTHS, XX/XX/year> AND I SEE A PAYMENT REMOVED AGAIN FROM MY XXXX XXXX THAT I DID NOT AUTHORIZE. I WENT INTO THEIR MOBILE APP AND CONFIRMED FROM THE PREVIOUS INCIDENT ALL MY BANKING INFO WAS REMOVED FOR PAYMENTS AND THOSE REVOKED, I ALSO CHECKED THIS AGAIN XX/XX/year>, I CALLED CAPITAL ONE XX/XX/year> TO ASK THEM WHO INITIATED THIS, TO REQUEST A REFUND, AND EXPLAINT THE SEVERITY OF THIS SITUATION. THE REPRESENTATIVE NAME AV EXPLAINED THERE IS NOTHING THEY CAN DO TO GIVE ME A REFUND, NOTHING HE CAN PROVIDE ME AS FAR AS INFORMATION AND BASICALLY WISHED ME ALL THE BEST. THEY HAVE VIOLATED MY WISHES TWICE NOW AND WITHDRAWN MONEY FROM MY CHECKING AFTER REVOKING SUCH AUTHORIZATIONS. I FEEL COMPLETELY VIOLATED.
Product: Credit reporting or other personal consumer reports

someone has stolen my identity somebody has tried to open 4 credit cards and 2 bank accounts and a loan
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX filed a complaint and a proposed stipulated judgment in federal district court for the Southern District of Indiana alleging that XXXX provided substantial assistance to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in engaging in unfair acts and practices. XXXX operated XXXX XXXX XXXX until it filed for bankruptcy and ceased operations in XXXX. XXXX  XXXX complaint alleges that XXXX  was actively involved in the creation and the implementation of the XXXX loan program. The complaint alleges that XXXX induced its students to take out the loans by a variety of means, and that XXXX knew or was reckless in not knowing that many student borrowers did not understand the terms and conditions of the XXXX  loans and could not afford them. 

On Saturday, XX/XX/XXXX, it was announced that student loan cancellation benefits will be offered to XXXX former XXXX XXXX XXXX, with up to {$160.00} XXXX dollars in debt being forgiven. 

This agreement was reached as part of a deal between the Consumer Financial Protection Bureau ( CFPB ), State Attorney Generals from 43 different states, and Student CU Connect ( CUSO ), the company who distributed and managed private student loans for XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX or XXXX of XX/XX/2022 ; I placed a temporary credit lift on my credit file of reference to that with TransUnion which is normally locked to look at utilising XXXX which is a distributed payment or purchase-loan affiliation program instituted to aid in payment spreading for larger level purchases associated with that of credit easing. Such was being conducted to examine purchasing bicycle to ensure for freedom of movement to the juxtaposition of local, regional, and national caging associated with organ surrogacy and trafficking related to that of affiliated persecutory actions of relation towards maintaining XXXX XXXX. Upon unlocking the credit with the actual provider TransUnion which is headquartered in the city of XXXX ; access to credit services were intentionally still being restricted by the company XXXX; essentially positioning through the caller support for the later consolidation of the firm and use of the collected audio fraudulently for the purposes of creating the auspices that submitted XXXX information was obtained by accidentally interacting with a fraudulent vendor and not the company itself. For example asking to submit debit card information upon intial callout when such had not been submitted to the application, nor would be prior to credit ascertations in support of nationally oriented and intentional financial restrictions of direct relation to nationally oriented organ surrogacy. Similarly the representative suggested to call back in XXXX - XXXX ; stated time window to complete alloted XXXX training, actions which are being detrimentally exerted and manipulated of direct association to national intelligence initiatives guised as policing by family members and localities. Such is entirely being positioned for lateral theft of identity towards that of a family member for the purposes of nationally oriented subjugation.
Product: Credit reporting or other personal consumer reports

Attn CFO : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information CB/EXPRESS it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERAL financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I am herby requesting all above disclosures required by Federal. 

Delete this account from my consumer reports immediately.
Product: Credit reporting or other personal consumer reports

Incorrect information is not mine. Please delete due to HIPPA no information shall be given
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that I do not recognize. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency. XXXX XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX 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 XXXX demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.