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

We received a line of credit from Credit Fresh, online, in XXXXXXXX XXXX XXXX, for {$4200.00}. 
We have paid back a total of {$4500.00} up through XX/XX/year>. We were making payments every two weeks until my husband could not work because of a XXXX XXXX 
He is XXXXXXXX XXXX XXXX and we live on XXXX XXXX XXXX XXXX XXXX XXXX XXXX that he does for extra income. 
When he was unable to work, I called Credit Fresh to ask them to lower our payments for an extended period. Their response to me was that they do not do that and that I still owe them {$4100.00}. 
I had complained here about them before now, and the response I received from them was, if I pay 17 more payments of XXXXXXXX XXXX then they would not report my late payments to the credit bureau!!! 
I have not been able to log into my online account for over 2 weeks, supposedly because their sms service is down, therefore I can not receive a security code to log in. They say they will send one to the email instead, but I have never gotten one, after 68 times!!! of trying to log in to my account, which is the only way to access my account because they do not send paper statements. 
I just want people to be aware of this predatory lender!!! Its the reason it is so easy to get a loan from them. 
I am not paying them another dime. As far as I am concerned, they have made enough pure profit from me. They are pure greed and evil.
Product: Credit reporting or other personal consumer reports

Hello I am officially submitting a complaint against XXXX. The reason for my complaint is theyre now knowingly reporting fraudulent accounts to my credit profile. They removed the accounts and reported it back. I informed them via mail on XX/XX/year>, XX/XX/year> and also XX/XX/year> in which this date they claim the never received. In the letters, in detail I included all information needed to have any fraudulent accounts removed. I included a Police report from my local police department along with the investigating officers information. I also included an Identity Theft Report from the Federal Trade Commission. I'm going to attach those documents here as well. 

Fraudulent Accounts : XXXX XXXX- account number XXXX XXXX. US DEPARTMENT OF EDU- account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The sale of personal information to collection agencies and bureaus dark pattern that is hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not adequately protect my credit report from hackers, resulting in my personal information being stolen. Moreover, their decision to delay notifying me about the hack for two months delayed any measures I might wish to take to prevent identity theft. Not only were they negligent with my private information, but they failed to notify me in a timely manner so that I could protect myself from their negligence. My identity and credit are now permanently at a higher risk of theft due to this recent hack, and any compensatory action must take that into account.
Product: Student loan

Hello, I have a student loan from my university that is serviced with ACS and had been transferred to them from XXXX XXXX. I have been paying on this loan regularly for over six years and am in good standing with all of my loans through XXXX, XXXX and ACS. Since this particular loan was transferred from XXXX XXXX, I have run into numerous issues. I often can not get onto the website to pay due to technical issues and site outages. I 'm currently working abroad, so being able to pay online is important. When I phone ACS, the line disconnects or it goes to an answering service- I am never able to reach a human being. Last month, I reached out to ACS via email to let them know the issues I was having and requested assistance. My loans have been late a few times in the past year due to these technical issues on their site and once again, I was trying to pay a loan and the website would not let me log in. I then requested that ACS set me up for automated billing, as I can not continue to worry about whether or not the payment functionality on their end will work. Instead, ACS sent me a notice that I had applied for a Forbearance- I never once asked for a Forbearance. I emailed them again to let them know that I had asked to be enrolled in automated monthly debit and that I had not applied for Forbearance, and I requested that the matter be corrected. I have not heard from them on this. It also looks like my last payment has been processed two weeks after the fact. 
My complaint is not about paying my loans- I pay regularly as I have for many years, despite my frustrations at never seeing my loan balance decrease, and am fortunate enough to be able to afford student loan payments at this time in my life. My complaint is that I am unable to work with this student loan company, ACS, because they : a ) do not have a working and functional website b ) do not answer the phone, c ) make errors in my requests and d ) are not reliable in responding to emails. As of now, I do not know where my loans stand with them since they are apparently processing a forbearance that I never asked for. What are my options here?
Product: Checking or savings account

At XX/XX/year> there was an unauthorized withdrawal for {$800.00} even. The bank says its a valid authorization due to my digital wallet being used to pay it. What I explained to Chase is that I got a message from toll roads for a fee of {$6.00} which I in fact did take toll roads 2 months ago. I was driving from XXXX XXXX to XXXX for work which is about 25-30 min away. And I see a withdrawal in XXXX XXXX for {$800.00}. 
I called chase immediately when I noticed my drive thru order at XXXXXXXX XXXX XXXX XXXX got denied because of the unauthorized withdrawal. So my question is. How is it that I go from XXXX XXXX to XXXX within 30 minutes but theres an ATM withdrawal in XXXX XXXX which is XXXX away with traffic from 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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years
Product: Mortgage

We applied for a loan on two of our rental properties. They took our information over the phone and assured us we were approved. Sent out VP Mr. XXXX who assured us we werre approved, said they needed approximately {$1400.00} for appraisals. Once we paid the money we were told our application was in processing on the way to underwriting, promised we were going to closing. Prior to going into processing we provided them with all of the documents required to obtain a loan, great credit rating and everything. We were to close within a week, two days before closing we were told we were not getting the loan but we could have our useless appraisals. So we are left without our money and without our loan. No loan number or anything. VP XXXX stated that he has 5 or 6 people he visits a day, at that rate they dont have to exact any loans, they can just promise everyone a loan, collect a check and move on the the next
Product: Checking or savings account

I just found your website. Wish I had learned about it earlier. This complaint is not timely nor do I want a response. I just think those in charge of banking law enforcement should be aware. 
It 's been a couple years now. I deposited a personal check from my mother in a Wells Fargo checking acct. at one of their ATMs. ( XXXX XXXX, Ca. ) The screen reported that the check was " questionable '' and funds from this deposit would not be available for 10-14 days. I now know that checks must be honored or returned in no more than 4 days max.. 
Here 's the kicker! A couple months latter, I deposited a tax return check from the State Of California. Again, I was informed that " our system finds this check questionable '' and funds would be delayed for 10-14 days. If this is widespread, I can see how it could be lucrative for Wells Fargo. Free Money! 
Shortly thereafter, I heard they were in trouble for other violations. But I never heard of them being charged for this. Just headsup!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act 15USC 1681 section 602 section 8 States I have a right to privacy And 15USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish my acct without written instructions. 
Info : XXXX XXXX SS # XXXX Complaint to XXXX, Equifax and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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...
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$18.00} XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022
Product: Student loan

I requested my student loan refund on two separate occasions. One time I called it was in XXXX and another about a month after. I spoke with two representatives and they gave me two different timelines on when I would receive my refund with no confirmation email. Other loan servicers have already process student loan refunds, so I believe they are purposefully delaying the process. I have no idea when the refund will hit my back account because there have been no emails whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX CBNA, and XXXX/XXXX.. The Account Opened is XXXX/XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$10000.00}. The Account Opened is CBNA Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$0.00}. The Account Opened is XXXX/XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto lease with Kia Motors Finance they are a division of the Hyundai Capital America that was just found to provide inaccurate info on credit reports. I paid my lease in full, as the document I uploaded shows. When the pandemic started in XX/XX/XXXX, I called XXXX to ask what to do if everything shuts down before XX/XX/XXXX when my lease ended. They told me that as long as all my payments are made, I can bring the car back to the leasing dealer " anytime before XX/XX/XXXX without penalty '' or that I could keep the car until things open back up and continue to pay monthly payments. I opted to bring the car in on or about XX/XX/XXXX just before NY state shut down for about 18 months. In XX/XX/XXXX ( letter also uploaded ) XXXX contacted me stating that I had terminated my lease early and was being penalized. I responded ( letter uploaded ) explaining what I stated above. I thought the issue was resolved as I heard nothing else from them. In XX/XX/XXXX, I attempted to get a new mortgage and learned that XXXX has started identifying my CLOSED account as delinquent. I have attempted to dispute this with each of the XXXX credit bureaus to no avail. I have written XXXX letters to XXXX since discovering this credit report issue. They have not responded. I have tried to call XXXX but get hung up on after several transfers. I do not know what to do and am now in a position of them damaging my credit. I have NEVER defaulted on any payment in my life. The power that both XXXX and the credit bureaus have to dictate my credit with lies is completely unfair. I have no ability to fix this on my own and need assistance.
Product: Debt collection

To whom it may concern, It has come to my attention after carefully reviewing my credit report directly from all 3 national reporting bureau 's ( XXXX, XXXX, XXXX ) that a debt collection agency known as 'Portfolio Recovery Associates LLC ( PRA ) ' is allegedly reporting a collection account against me in the amount of {$570.00} in which i have no knowledge of, they have also committed and continue to commit the following violations according to The Consumer Financial Protection Bureau & The Fair Debt Collection Practices Act : 1- Failure to submit a verification of the alleged debt of the original account with a detailed explanation of how such amount was calculated, which is a clear and direct violation of CFPB Consent Order Paragraph 116. 

2- Falsely reporting payment terms as 'Revolving - 1 Month ' on my XXXX   report in which i have never had any contract with Portfolio Recovery Associates LLC to pay nor have i agreed in any way to such terms, which is a false representation and a violation of the FDCPA Section 807.

3- Falsely reporting 'Amount Past Due ' and reporting 'Failure to Pay ' payment history every month to my credit report, in which there was never an original signed contract between ( PRA ) and myself agreeing to pay them any money, which is a false representation and a violation of the FDCPA Section 807.

4- Falsely reporting the alleged account and misrepresenting themselves as 'Factoring Company ' on my XXXX report and Account type 'Other ' which is not listed under collection on my XXXX report, Which is a violation of CFPB Consent Order Paragraph 94.

I would like for the issues mentioned above to be addressed to stop the false and misleading representations, such abuses and unfair practices by Portfolio Recovery Associates are tremendously and negatively affecting my Credit report.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXX/XX/XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I opened an AAdvantage Aviator XXXX XXXX XXXX Mastercard on XX/XX/2022 with the sign up bonus " Earn XXXX AAdvantage bonus miles and a {$95.00} statement credit after spending {$2000.00} on purchases in the first 90 days. '' I completed the {$2000.00} purchases and have received the XXXX bonus miles but the {$95.00} statement credit never posted.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I'm looking at my credit report and I see a charge off on my credit report from XXXX XXXX. According to Pub L. 85-866 Section 8.Section 166 ( d ) ( 2 ) a " charge off '' is a taxable event which makes it income. So it is UNLAWFUL for the credit reporting agency to report charge offs on the report as I have a right to privacy for all of my income. Please remove immediately. Please note this is a notice of pre arbitration if the charge off is not removed. 

Thank you. 
Regards All rights Reserved XXXX : XXXX XXXX . Without Prejudice
Product: Debt collection

I repeatedly get calls everyday from this company from different phone numbers. No one leaves a voicemail or tells me why they are calling. I do not know this company and do not owe anything to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute and the it's been well over 30days and I have not received any investigation results
Product: Credit card or prepaid card

I had a XXXX XXXX credit card managed by XXXX XXXX XXXX for XXXX years without a problem. 

The management of this XXXX XXXX card was transferred over to Comenity Bank  around XX/XX/2022. 

My last payment of {$3200.00} was paid electronically to XXXX XXXX XXXX on XX/XX/2022. 

Comenity Bank is saying they received the balance of {$3200.00} but not the payment. 

I have created a dispute with XXXX 's customer service department and give them proof on my payment from my XXXX XXXX. 

After 5 months of " back and fourth '' Comenity canceled my dispute because of " invalid documents and a letter was sent requesting for front and back copy of cashed check or electronic transmitted form to proceed with dispute. '' In this communication they also added. 
" To protect your rights under the Fair Credit Billing Act, we need to receive your dispute in writing within XXXX calendar days of the date on your first billing statement that contains the disputed transaction. '' It now appears like Comenity has been stinging me along for the past 5 months. 
After multiple phone calls, being hung up on, transferred to different departments, force to communicate on-line which takes them weeks to respond, I am now turn over to collections. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX/XXXX  ACCOUNT HAS BEEN PAID IN FULL PLEASE SEE ATTACHED RECEIPT
Product: Credit reporting, credit repair services, or other personal consumer reports

Already reported inaccurate information in XX/XX/2022 to each credit bureau. Account type is incorrect and late payments are incorrect. 

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

15 U.S.. 1681 section 604 A. It also state a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute and address concerns regarding the way my American Express XXXX XXXX 's utilization for the card ending in XXXX is being reported on my credit reports. Additionally, I kindly request that my membership start date be accurately reflected, as it plays a crucial role in maintaining an accurate credit history. 


One of the key features that I deeply value about my XXXX XXXX is its absence of a traditional pre-set spending limit. This unique attribute provides me with significant flexibility, making it essential that credit reporting accurately represents this aspect. I kindly request that the reporting clearly showcase that my card operates without a predefined credit limit, as this is one of the distinct benefits of the XXXX XXXX. 


Furthermore, I've observed that my membership start date is not accurately recorded in my credit history. Having the correct date of when I became a member is essential for a precise representation of my credit journey. I kindly request that you verify and correct this date to accurately reflect the moment I joined as a member, as this will contribute to a more precise depiction of my credit history. 


While I understand that errors can occasionally occur, I emphasize the importance of prompt resolution and adherence to the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ) and ( B ) [ 15 U.S.C. 1681i ]. The FCRA ensures that credit reporting agencies and creditors, such as American Express, handle disputes with accuracy and fairness. I kindly request that this dispute be handled in full compliance with the FCRA, and I trust that any necessary adjustments will be made within the specified time frame. 

Wherefore, I also request that the necessary updates be made to my credit report with all major credit reporting agencies to ensure a comprehensive correction and accurate reporting. 


Thank you for dedicating the time to address my concerns. I genuinely value my relationship with American Express and believe that through collaboration, we can successfully address these matters, resulting in an accurate and fair representation of my credit history and the unique features of my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX. This is unfair. This doesnt represent me as a borrower since the service guaranteed wasnt effective, it wasnt working at 100 percent. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus advising of the poor services rendered from this Company causing this alleged collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?