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

I was sent a preapproved offer and check via mail and negotiated the check and signed up for auto pay. The terms of the loan were on the back of the check interest rate etc. but never said payment amount, so after enrolling in auto pay they took XXXX per month which I assumed was the payment. It wasn't until recently I looked at my credit report and saw that I only owed {$88.00} and was excited and budgeted for that final auto withdraw when they actually took {$91.00} I called to ask why? They said it was a telephone convenience fee. I said I was in auto pay I did't pay by phone. They said oh its because you paid on the computer I repeated it was auto pay and there should be no fee, they put me on hold for a long time and said oh that was the monthly payment fee and I said provide me with documentation stating you were authorizzed or it was part of the terms to take an additional fee, they put me on hold for over 20 minutes and the call disconnected. I called back, the person was not available, I left a message. He called back but I missed it, I called back and he said it was a mistake and they had been charging me a monthly fee for the life of the loan and would refund it. 

I did get the refund check which is incorrect in its amount does not include interest and should they pay me a penalty and how many other unsuspecting people have they ripped off who were unaware. 

i would like an audit of their accounts. I have attached a copy of the check they cut me showing they admit to overcharging and I can forward a copy tomorrow of the original check with the total terms of the agreement which did not include a surcharge. I hope an audit is done of their practices. Additionally i didn ; t think you are allowed to charge 33 % and I think it is irresponsible to target low income people with instant money with such high interest rates i have also found tons of complaints from others on line of their practices. 

I hope you will randomly audit their customers to see how many others have been violated and should they not owe me money for each unethical unauthorized charge to my personal checking account as well as an accurate repayment of fees and interest.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX ( XXXX ) XXXX Account ID : XXXX Is showing on my credit report as an unpaid account when it was sent to the XXXX XXXX and XXXX off. The XXXX XXXX was removed from my credit report, however, XXXX  or the Credit Bureaus will update this information on my Credit Report. All XXXX bureaus for different dates and inconsistent negative information. 

XXXX XXXX XXXX DISPUTES XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Account ID : XXXX Also, incorrect information reported by all 3 credit bureaus Equifax states I paid 73 % of my payment on time while Experia reports I paid 21 %. TransUnion and Equifax reported I paid off the charge off while Experian does not. The amount sent to collection from XXXX was {$240.00} in late fee. The title was sent to me and those charges were charged off and sent to collection. 

Experian is all also reporting accounts from XXXX XXXX XXXX XXXX that have been paid in from XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX U.S.C. XXXX Failure to provide proper validation of any alleged debt, including evidence of cancellation or discharge via Form 1099-C, if applicable.
Product: Student loan

I was recruited for my loan through the recruitment officer who came to the school to recruit me to go when I was XXXX years old and did not fully describe the details to the loan to my mother XXXX XXXX and I. I was talked into deferments when I was not fully explained that that would incur interest. Also when the company was formerly known as XXXX XXXX I would get phone calls from my mother 's sobbing because their employees of customer service would call my mother and threatened to take her house and threatened her financial standings and so I would then get talked into going into deferment and be talked into that over and over until my interest is now at 10 % or more and i incurred around {$10000.00} in interest as well and can not work in with any of the " education '' from this college either. The credits do n't transfer. This loan is HUGE so i ca n't get any other student either and i also was not made aware that there was other programs that it was possible i could 've qualified for that would 've helped me with my loan so instead i have now incurred quite a bit of Interest I also was not able to finish my degree fully due to severe allergic reaction at the college after XXXX XXXX threatened insubordination. This is after being recruited and now I 'm being told that college is closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed much information or items which do not belong to me you are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these items : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00XXXX XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$650.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXXXXXX XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My initial correspondence was a debt validation request to TransUnion, LLC sent on XX/XX/2021 and received by TransUnion on XX/XX/2021. ( Exhibit A ) I respectfully requested to be provided proof of these alleged items, specifically the contract, note or other instrument bearing my signature. TransUnion, LLC failed to meet my requisition for the requested documentation. 

However, I did receive the Investigations Results ( Exhibit B ) stating that The disputed item was verified as accurate. TransUnion, LLC denied me my consumer right to privacy under 15 U.S. C 1681 ( b ) by discussing my non-public information with the creditors. Alleged creditors can not validate debt.

During the entire dispute process TransUnion, LLC continued to report inaccurate information, my name ( Exhibit C ) and the disputed accounts, a violation of 15 US Code 1681 [ A ] [ A.1 ] Credit reporting laws are in place to ensure that bureaus report only 100 % accurate credit information. It seems that Transunion, LLC does not adhere to credit reporting laws. My experience with TransUnion, LLC has provided evidence to support this. TransUnion, LLC failed horribly short.
Product: Credit card or prepaid card

Hello, I requested a balance transfer on XX/XX/23 from my chase credit card account to a newly opened wellsfargo account for the amount of {$5700.00}. I went on the wellsfargo website and filled out the application for a balance transfer. once the balance transfer was processed on XX/XX/23 the XXXX was posted on my wellsfargo account. I then checked my chase account and realized that I still had a balance of {$5700.00}. I contacted XXXX and they stated the balance transfer came from a XXXX 's account. I informed them that I do not have a Macys account active currently and it was impossible for this money to come from my Macys account. They then stated I must have typed in 1 or 2 incorrect digits by mistake on the balance transfer application that matched an unknown Macys account that is not mine. A case with wellsfargo was opened in XXXX for Macys to refund the funds. Macys has not responded yet and I have no information on how to contact Macys to get this expedited. When I call Macys they will not provide me with any information on account that is not my own. Now I have someone else 's debt in my wellsfargo account and I am having to pay on that balance as well as my own balance on my chase credit car account. I have never heard of someone having to pay someone else 's debt and this should have been taken care of already. this Macys account is not linked to my social security number, name, address. I need help please to expedite the refund of this money from Macys back to wellsfargo.
Product: Debt collection

I have tried to reach XXXX XXXX XXXX to discuss this matter since XX/XX/XXXX with no response. Someone from their A/R department claims they will call me back. I have received collections notices from AmerAssist regarding an outstanding bill for {$130.00} that no one in your office seems to know what this bill is for. 

I have attached proof of insurance coverage from my previous employer for the months of services rendered listed in the documents provided by AmerAssist. 

I have also attached a notice of separation due to Covid-19 from my previous employer. I also recall notifying XXXX XXXX XXXX that my dental coverage would be ending on XX/XX/XXXX and we would not be able to continue receiving dental services from you since your office does not accept XXXX ( both my son, XXXX & I were covered under XXXX Dental through XXXX effective XX/XX/XXXX ).
Product: Debt collection

See picture of letter I received. I told this company repeatedly I shouldnt have been notified as Im on arrangements with XXXX  Anoint wrong etc. They didnt care as they kept proceeding thus now I get this
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I wrote a dispute to the 3 major credit bureaus XXXX, XXXX, and Experian. The account that this complaint is about is XXXX  XXXX XXXX ( Account ending in XXXX ). I asked the credit bureaus to investigate because the balance should be XXXX. It is a charged off account which has been sold to debt collectors, I say debt collectors because I have received 2 notices from two seperate companies telling me that I owed a debt, with the original creditor being XXXX XXXX XXXX. Now I am getting a response to my dispute from XXXX  XXXX XXXX as well, on two occasions. One on XX/XX/XXXX and one on XX/XX/XXXX. Both state I owe a blance of {$470.00}. So now XXXX  XXXX XXXX is illegally charging me a balance after selling my debt to not one, but two debt collecton agencies, which are also contacting me to pay this debt. I want this inaccurate account removed from my credit report and updated the balance to XXXX immediately. This is highly suspicious activity and honestly I would not mind getting a lawyer at this point because XXXX  XXXX XXXX is supposed to be a reputable company but now it turns out they are looking to collect a debt from ME as well as sell my debt to TWO debt collectors to get even more money.
Product: Debt collection

I contacted this company and informed them they were reporting false and inaccurate information. I asked them to provide proof of contract with my signature which could prove I owe the debt. They were unable to do so. Instead, the company sent an internet generated billing statement.

I sent them certified mail demading them to cease and desist contacting me and demanded they quit reporting inaccurate information. They violated both demands.
Product: Debt collection

This company reported a Debt to the credit bureaus that is not mine, this is a fraudulent account that was opened in my name, I reported this fraudulent activity to the police and the FTC. This same debt was reported to my credit last year and the credit bureaus verified and deleted this account. also I found out that this is a new collection agency trying to collect on an account that is not mine and I clearly had this account investigated a year ago. I also am a XXXX and I live on campus, I did authorize the company to call my school for proof, I do not pay for any utilities and I do not have any utilities in my name, My college pays for all room and board with my financial aid.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. 
I'm not using any third party for this matter and I represent myself by myself. 
I'm sending this complaint because I checked my credit report and I haven't done that for a while, so, I obtained my credit report and noticed several hard inquires on my report from Transunion that I never authorized. I was shocked. So I have filed FTC Report and I have included in this package. It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. 
I'm representing myself by myself and I do not involved any third party for this matter. 
I made an attempt to file a police report, but I was informed by XXXX XXXX that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
Here are the name of these 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 XXXXXX/XX/XXXX Please remove these fraudulent hard inquires from my report.

I have included copy of FTC, SSN, Proof of address and copy of my ID.
Product: Checking or savings account

In XXXX of XXXX with Associated Bank in XXXX, WI I had an unauthorized charge of {$180.00} to my Checking Account coming from XXXX XXXX. On XX/XX/XXXX of XXXX a fraud report was created which it came back as the purchase was valid which it wasnt. On XX/XX/XXXX of XXXX a Police report was created with no answers so far. Today as of XX/XX/XXXX I had to pay off that balance in which was due in order to avoid the charges being sent to Collections.
Product: Debt collection

After examining my personal credit report, I have identified certain inaccuracies that could significantly impact my ability to purchase a home. While I understand that errors can occur, these particular mistakes could have detrimental implications. I am familiar with the dispute process and the time constraints that come with an investigation. The following errors have been identified : XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX. I kindly request that you remove these inaccurate accounts from my credit report as soon as possible. Given the current economic challenges, the negative impact of incorrect information on my credit score is a major concern. I expect an updated credit report that reflects these changes within thirty ( 30 ) days.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of fraudulent information on my credit report, specifically in relation to the following accounts : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX I have thoroughly reviewed my credit report and can confirm that these accounts are reporting information that is not associated with me. I have never had any dealings or financial obligations with these entities, and I believe this information has been inaccurately attributed to me. 

I hereby request an immediate investigation into the fraudulent information associated with these accounts. I insist that you take the necessary steps to verify the accuracy of the information and promptly remove the fraudulent entries from my credit file. It is of utmost importance to me that my credit report accurately reflects my financial history and responsibilities. 

Upon resolution of this dispute and the removal of the fraudulent information, I kindly request that you provide me with a corrected copy of my credit report. This corrected report should accurately represent my financial standing and be free from any inaccuracies caused by the presence of these fraudulent accounts. 

I understand the significance of maintaining an accurate credit history and ensuring the security of my personal financial information. I am prepared to assist in any way necessary to expedite the resolution of this matter. Please inform me of the steps and any supporting documentation required to proceed with the investigation and dispute process. 

I anticipate your prompt attention to this matter and a timely resolution of the fraudulent entries on my credit report. Your assistance in rectifying this situation is greatly appreciated. 

Thank you for your cooperation and commitment to maintaining the integrity of my credit history. I look forward to receiving a corrected credit report once the fraudulent information has been removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following Collection Account with XXXX & Equifax - I am in the process of disputing with XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX Balance -  XXXX XX/XX/2018 They have failed to remove this collection account from my reports, that I have no knowledge of. This Collection Agency is not licensed, nor bonded in the state of Tennessee, in which I reside, which is a direct violation of TN State law, along with violating FCRA requirements. 

I want this illegal Collections account removed from all 3 of my credit reports immediately & all collection efforts ceased before I am forced to seek legal counsel because of the damages that I have been subjected to.
Product: Money transfer, virtual currency, or money service

I am submitting a complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on its platform, leaving my account exposed and unprotected.

Additionally, their dispute resolution process was unfair and misleading, failing to meet the error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These shortcomings have caused me significant inconvenience and financial loss, and I am seeking appropriate resolution for these violations.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputes information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.