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

I called One Main financial to ask about deferment of payments while I'm laid off on furlough for the Coronavirus pandemic. And they wouldn't allow it. Said i didn't take bbn out the insurance for this. And they were not offering any help in the matter without it. I've never missed a payment and have never been late on a payment. This saddens me that they're offering any help. I will never borrow from them again. When I pay this loan off.
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 XXXX XXXX XXXX. 

Account NameXX/XX/XXXXAccount XXXX Account Name : XX/XX/XXXX Account XXXX Account Name :XX/XX/XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXXXX/XX/XXXXXXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXX/XX/XXXXXXXX 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 XXXX years. 

XX/XX/XXXXA 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: Credit reporting, credit repair services, or other personal consumer reports

Submitted dispute stating XXXX XXXX XXXX account on my report not showing current balance of XXXX  and account being closed/transferred to another servicer with XXXX, XXXX, XXXX Equifax. All disputes were submitted on/around XX/XX/XXXX and XX/XX/2022. On XX/XX/2022 received dispute results stating all information was verified. There was no change to the account balance or account status. Additionally XXXX XXXX has an announcement on their website that they are no longer servicing federal student loans. My federal loans were all transferred to XXXX on XX/XX/2022 which are currently showing on my credit reports.
Product: Debt collection

There 's a pass due medical collection on my credit report from XXXX hospital that I do n't remember so I called the hospital and there collection agencies and no one knows why it 's there cause no amount was showing get on anyone 's systems please take this off myour credit report
Product: Credit card

I made a {$2700.00} purchase with a 1 year no interest if paid in full plan. About two weeks before the promotional period expired, I paid the final payment of {$230.00}. I must have inadvertently only paid {$230.00}. Now Comenity Bank is saying I owe them {$550.00} interest. I've tried reasoning with them to no avail. And they are unwilling to relent at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Case # XXXX It has come to my attention, that Innovis has added a social security number to my consumer profile : XXXX, as mentioned by the attached letter. 

This is not my social security number and must be removed from my Innovis consumer report immediately! 

Innovis has never been authorized to add information to a consumer report in my name, without proper verification that it belongs to said consumer. 

Innovis, as a business is practicing fraudulent operations, by adding an unknown social security number to my consumer report. REMOVE IT AT ONCE! 

I have not placed requests for credit with any organizations under a SSN ending in XXXX and have no active trade lines with a SSN ending in XXXX. 

There is no factual record that indicates that I have requested applications for credit from creditors who are not employers, to be on my file or gain brute-force access to the CRA systems to place their name tag, with an inaccurate social security number on my file. That is considered theft of identity! There are group actions to be considered if this information is not removed immediately, without prejudice!
Product: Money transfer, virtual currency, or money service

I am the XXXX for XXXX XXXX XXXX XXXX. In XX/XX/2023, I set up an account with XXXX for credit card processing and on XX/XX/2023, I processed a payment for one of our customers. A few days later I got an email from Square stating that our account was suspended/deactivated and they would not process any more payments. The email referred me to their web site which had a lot of information on why the account might be deactivated, but nothing I could find was a reason for our deactivation. The email and online portal for Square said our funds were on hold for 90 days and they would be transferred to our bank account on XX/XX/2023. As of today we have not recieved the funds from Square. I can see the balance in the portal but the date of the transfer changes every day to the next day. And all of the transfer options are greyed out. I have called, emailed, and used their chat to try to get someone to help me. I can not get a person on the phone, I have tried many times, and every option refers me to the web site. The same with the chat option. I have responded to the email they sent me many times, ususally with no response back, or a canned response that didn't answer my question. The amount of the credit card sale was {$4000.00} and the amount they are supposed to transfer to us is {$3800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you regarding the negative items found on my credit report. I have recently reviewed my credit report and discovered several inaccuracies that require immediate attention. I am requesting that you investigate and correct these inaccuracies as soon as possible. 

Firstly, I would like to draw your attention to the following personal information that is incorrect. The address associated with the account number XXXX XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX are not correct. I request that you remove these addresses immediately from my report. 

Secondly, I have noticed that an employer by the name of XXXX XXXX is listed in my report, but this employer belongs to someone else. Therefore, I kindly request that you remove this information from my report as it is inaccurate. 

Furthermore, I am disputing the following accounts listed on my credit report : XXXX, XXXX XXXX, XXXX, and XXXX XXXX. The account numbers for these accounts are XXXX, XXXX, XXXX, and XXXX respectively. I have no record of these accounts in my possession, and I believe this information is inaccurate. I request that you remove these accounts from my report immediately. 

Lastly, I am disputing another account under XXXXXXXX XXXX with account number XXXX. I have no record of this account in my possession and I believe this information is also inaccurate. Therefore, I kindly request that you remove this account from my report without any delay. 

I understand the importance of maintaining accurate credit reports, and I hope that you will take this matter seriously. I request that you provide me with a written confirmation of the removal of these items from my report. 

Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Fraudulent Accounts - Violation of Fair Credit Reporting Act XXXX XXXX XXXX XXXX Red XXXX XXXX, XXXX XXXX, DE XXXX XXXX XXXX XXXX, Transunion, and XXXX Dear XXXX, I am writing to dispute the accuracy of several accounts appearing on my credit report, which I believe are fraudulent and violate my rights protected under the Fair Credit Reporting Act ( FCRA ). As a consumer, I value my right to privacy and the accuracy of information reflected in my credit report. Upon reviewing my credit report, I have identified the following fraudulent accounts : XXXX. *XXXX XXXXXXXX XXXX Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$53.00} XXXX. *XXXX XXXX** - Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$3600.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$3800.00} XXXX. *XXXX - Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$6500.00} These accounts were opened without my knowledge or consent and are the result of identity theft. I have filed a complaint with the Federal Trade Commission ( FTC ) regarding these discrepancies, and I have attached a copy of the complaint for your reference ( FTC Report Number : XXXX ). 

Under the FCRA, I am entitled to accurate and fair reporting of my credit information. However, I have identified potential violations in the reporting of these accounts : 1. [ ] 15 U.S.C. 1681 Section 602 A : Right to privacy.

2. [ ] 15 U.S.C. 1681 Section 604 A Section 2 : Furnishing of accounts without written instructions.

I request the immediate removal of these disputed accounts from my credit report as they are inaccurate and unfairly represent my credit history. Given the nature of these discrepancies, I believe these accounts to be fraudulent.

Failure to rectify these discrepancies may result in legal action, as provided by the FCRA. I trust that you will conduct a thorough investigation into these matters and provide a prompt resolution. Kindly provide written confirmation of the actions taken regarding this dispute. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX **Attachments : ** 1. FTC IdentitXXXX Theft Report ( Report Number : XXXX ) XXXX. Supporting Documents
Product: Vehicle loan or lease

My vehicle just got repossessed, and I was forced to over pay on the loan. the problem that I'm having with this company is incorrect or fraudulent balance remaining, since I've bought the vehicle 3 years ago I've been keeping track of my payment, the company report to the credit bureau that I still owe about {$9000.00} which is incorrect, so I called the company with the information that I have to get them to correct the balance remaining on my lawn which in reality should be somewhere around {$3000.00}, after they disabled my vehicle I called to pay off the rest of my loan which they denied me to do, so I asked them how much do I have remaining on the loan to pay it off and they refused to tell me, so I informed them that the balance that they're reporting to the credit bureaus is incorrect and then I was hung up on. 
Another but unrelated complaint is Shabana Motors never honored my powertrain coverage, within the first 24 months I've replaced my front wheel axle shaft, fuel pump, timing belt, head gaskets, and CV joints.
Product: Debt collection

Applied for Credit, received denial letter with information, that have been working with Experian correcting information on Consumer Credit Report, Experian Reporting information that I'm not seeing on credit report. 
Started correcting information with Experian why wasn't aware of these action. 
I'm aware of all XXXX Bureau, have been working with. 

So Experian reporting fault miss information on credit report. 
Received information from other Bureau about email Identify. Now Experience now correcting other Bureaus have. 

Need for Experian to Report correct information, also to correct my Credit Report.
Product: Checking or savings account

I have banked with XXXX XXXX XXXX for the past 16 years. I needed to withdraw {$600.00} cash for a construction project so I visited the branch at XXXX XXXX XXXX XXXX, NC XXXX United States. When I provided them my XXXX XXXX XXXX and they told me it was their policy to refuse the XXXX XXXX XXXX  card. I was unable to withdraw my money and the ATM is capped so I could not use my own money. 
If this is not illegal, it NEEDS to be. Banks should never be allowed to refuse a government issued photo ID, and I am currently working on changing to a new bank. But I would like to see the bank punished for what I consider theft of my funds. They accept my money with my XXXX ID, but wont give it back to me. PLEASE do something to keep them from withholding funds from America citizens.
Product: Credit card or prepaid card

I was travelling in XXXX, XXXX in XX/XX/2019. I lost my HSBC cash rewards master card when I was in XXXX. After I came back to the US from XXXX, I found out an unauthorized transaction of {$2200.00} happened on XX/XX/XXXX and I realized that I either lost my card or someone took it from me. I reported the situation to HSBC and hoped that they might be able to help me resolving the issue. But they denied my request. They are not being helpful and useful during the whole process. Please help me with this problem.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data XXXX XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Subject : XXXX XXXX JPMorgan Chase XXXX Account XXXX and Denial of Earned Promotional Bonus On XX/XX/XXXX, a Chase Total Checking and Chase XXXX account were opened under Chases deposit bonus promotion. The terms were as follows : Checking Bonus ( {$300.00} ) Set up a direct deposit by XX/XX/XXXX. 

A {$25.00} employer direct deposit was made on XX/XX/XXXX. 
On XX/XX/XXXX, Chase credited the account with the {$300.00} checking bonus. 
On XX/XX/XXXX, Chase emailed confirmation of the bonus payout. 
Savings Bonus ( {$200.00} ) & Extra Bonus ( {$400.00} ) Total {$600.00} Pending On XX/XX/XXXX, a deposit of $ XXXX was made into the Chase Savings account to fulfill the promotional terms. 
The $ XXXX balance was maintained through XX/XX/XXXX. 
On XX/XX/XXXX, Chase emailed confirming that the account was on track to receive the remaining {$600.00} bonus. 
On XX/XX/XXXX, Chase mailed a letter stating that all accounts would be closed by XX/XX/XXXX, with no explanation given. After XX/XX/XXXX, accounts were closed, and online access was terminated. 

Despite full compliance with the promotional requirements, Chase refused to issue the remaining {$600.00} bonus. Chase also declined to provide any reason for the closure and refused to answer further inquiries. 

This was a deceptive marketing practice. Chase solicited deposits under false pretenses, then closed accounts before payout. Chase benefited from holding a $ XXXX deposit at an uncompetitive 0.01 % APY, while preventing the ability to earn a 4.2 % + APY elsewhere. The direct result was the loss of expected income, severe financial inconvenience, and unnecessary hardship. 

Financial Harm & Requested Resolution Lost Interest & Opportunity Cost The deposit was moved to Chase based on the expectation of the {$600.00} promotional bonus, and premature account closure resulted in XXXX compensation, despite full compliance. 
Adverse Financial Impact The loss of expected funds directly contributed to financial strain and food insecurity. This situation created an undue burden that should never have occurred. 
Unnecessary Expenses & Time Costs associated with filing this complaint have resulted in additional financial burden. 
Requested corrective actions : Issue the {$600.00} in earned bonuses ( {$400.00} + {$200.00} ) as per the promotion.
Product: Bank account or service

Capital one have systematically changed unnecessary overdraft fees on account to delay components that are in volition of due process, denial ofmeaningful access to support programs, activities and services due as capital one withholding information that is being Altered and changed information of XXXX to illegally transfer exemptions value rule, modified endowment OF contract changing classification section XXXX, denying of grandfathering provisions, causing massive and major suffering on family economic resources as capital one continue to interfere by charges of unexplained and unnecessary overdraft fees causing hardship and economic losses
Product: Payday loan, title loan, personal loan, or advance loan

I apologize in advance if I didn't categorize this quite correctly - I couldn't find a great fit for the complaint. That said, I see that XXXX  companies were regulated to provide some buyer protections recently. I recently bought something online using Afterpay- the product was faulty and I was in touch with the company directly. This dragged on for two weeks with them refusing to ship the item back to them even though their website states they will cover shipping for faulty products. After two weeks emailing I tried to call this company - the phone number they list does not actually work. After realizing they were not going to help me I reached out to Afterpay, informing them of the issue and telling them they should look further into the vendor as they have lots of negative reviews, fake XXXX XXXX, fake phone number, and asking them to help me so I don't have to pay for a faulty product. They told me multiple times to reach out to the merchant. I emailed with them for another week or so and after telling them they need to pause payments and investigate the issue per CFPB they said it was thoroughly investigated and not to reach back out about it. I am positive this is not the case or they would have realized the company may be a scam, and seen that the merchant will not honor what their website states. I should have done my research to realize XXXX is far inferior in protections to a credit card and feel that if they are going to continue on they should be held to a higher standard of buyer protection.
Product: Debt collection

I had did a payday loan over a year ago and a company called summit recievables a collection agency keeps calling me threatening me to take me to jail because i wrote a faule check they will proccess if i dont pay them. I never wrote a check and was over drawn and account was closed. 

Summit Recievables Address : XXXX XXXX XXXX , XXXX, NV XXXX Phone : ( XXXX ) XXXX
Product: Payday loan, title loan, personal loan, or advance loan

We called XXXX XXXX about weeks and a half ago. I don't remember the exact date and requested a XXXX day Payoff. I was not informed at that point they can not provide XXXX day Payoffs via phone call. I was sent a Payoff for that day. I was not told that I have to go online to request a XXXX  day Payoff. My Payoff is short over {$300.00}. I called today to find out why my Payoff was short and find that I was not provided correct information. I was told my account was not notated and that they can not pull the call for my account.
Product: Mortgage

I missed a morgage Payment over a year ago and have been trying to pay it back, I offered a XXXX a month and was told no, I finally made arrangements with one of their Agents, and it was doable for me, I am paying off other debt thru XXXX XXXX XXXX, I am trying to do the right thing. Than they tell me no it was Agent error and I have to pay an extra XXXX a month!! I missed one morgage payment in my entire life!! I have asked to have the payment tacked on to the end of my loan? Why not? All I get is you have to modify your loan which I have tried but they say I never sent the paperwork in properly, even after I got a non profit document co to submit it for me! One of their agents said they could take my home! How dare her! which I doubt missing one payment. I got a new job things are looking up but I can not afford to have so much taken out of my paycheck! Add to the end of my loan!! I have attached the payment plan I first agreed to and the second document is the plan they said I have to abide by. I had XXXX and when I missed one payment they sold me to Seterus. Thank you.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

This complaint is against XXXX and Equifax credit reporting agencies. After obtaining my credit report and reviewing the information, I noticed that on my XXXX and Equifax credit report they are both reporting public records of tax liens which should be a violation. As of XXXX XXXX, 2017, tax liens and judgements were no longer suppose to be reported. Considering that this information is no longer suppose to be included on my credit report I ask that this information be deleted in which it has yet to be deleted and is still showing up on my credit report.