23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have repeatedly sent information to XXXX  to request IBR, etc as I am not in school. I can not afford to make ANY payments. I work at a restaurant and hours have been cut due to the season which causes a reduction in business. I supplied my check stubs and was advised that based on tips that were averaged that I do not qualify. My check stubs at the time showed I made about $ XXXX/ {$15000.00}. I have repeatedly faced this information. My family has faced information including check stubs. I ended the year {$17000.00}. No one knew anything, the answers were ludicrous, and no one seems to care. I am struggling to pay rent and my mother tries to assist if she can, she has XXXX XXXX and this is causing her to stress which can lead to an Exacerbation/Relapse. She has been able to enter an IBR as our financial situation is hard especially after her hospitalization. She is in Texas and I in Massachusetts because it is hard for me to continue school and her health has/had taken a toll on me which contributed to failing some classes. XXXX  has people working there that calculated income that was twice as much as I made with only at that time 2 months left in the year. I did not work XX/XX/XXXX _ XXXX XXXX and am only receiving 1/2 or  less of the hours I should receive as a full time employee.
Product: Debt collection

this debt showed up on my credit report and i do not own this,, it is not my debts.please contact credit reporting company and have it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the following items listed below to be in direct violation of my consumer law under the provisions of the Fair Credit Reporting Act. These accounts are listed with late or missed payments and should be listed as PAYS or PAID AS AGREED. Account Name : XXXX XXXX XXXX ( ). Acct # XXXX Please update the account as Paid in full and closed/Current. My Consumer Law 15 USC 6802B has been violated. It states, Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( 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. By the provisions of the Fair Credit Reporting Act, my Consumer Law was violated when I was not given the opportunity to direct that such late payments may not be disclosed to such third party like your bureau. Its my understanding that you will recheck these items with the creditor who has posted them. Please remove the late payments that were posted without my consent to opt out of having them report to a third party. Please send an updated copy of my credit report reflecting the requested changes. Thank you for your help with this matter,
Product: Payday loan, title loan, or personal loan

i received a XXXX XXXX loan to replace my windows. It was a {$6400.00} loan, to be paid back over time, through my property taxes. 5 years later, i went to pay the loan off and they charged me from a demand statement, and when i received it, it was for significantly more than the original loan amount and, they charged a 5 % prepayment penalty and a redemption fee. They never explained why the balance went up even though it was being repaid on time for 5 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute with XXXX on XX/XX/2023, and with XXXX on XX/XX/2023 about the {$940.00} dollars that XXXX has on my credit report however its still there
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding ZELLE 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using ZELLE numerous times and reporting discrepancies, my financial institution and ZELLE failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that ZELLE has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation was placed in error, as I have not knowingly violated any PayPal policies or engaged in any prohibited activities. 

I have been a loyal PayPal user and have always conducted my transactions in accordance with PayPal 's terms and conditions. I have used my account for personal and legitimate business purposes, and I have never been involved in any fraudulent or unauthorized activities. 

The sudden limitation of my account has caused significant inconvenience and disruption to both my personal and business affairs. I rely on PayPal for various financial transactions, and this restriction has hampered my ability to carry out essential financial operations. 

I kindly request that PayPal conducts a thorough review of my account and the circumstances surrounding the limitation. I believe that a mistake may have been made, and I am eager to cooperate fully to resolve any concerns that led to this action. 

If it is found that there was an error or misunderstanding, I kindly ask for the reinstatement of my PayPal account and the removal of any restrictions. I am committed to continuing to use PayPal in a responsible and compliant manner. 

I understand that PayPal takes the security and integrity of its platform seriously, and I fully support these efforts. I am confident that a reevaluation of my account will confirm my compliance with PayPal policies. 

Please let me know if there is any additional information or documentation needed from my end to facilitate this review. I appreciate your prompt attention to this matter and look forward to a positive resolution.
Product: Credit card or prepaid card

Macys/Citi Bank called a friends cell phone looking for me after being five days late and never contacted me I never provided them this person 's information and Macys told me they searched me instead of calling me or emailing or texting me directly this is a complete violation of my rights and privacy. Macys as admitted to this to me. I want to file a formal complaint. I am the customer not my friend.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent credit card account was opened in my name on XX/XX/2022 with XXXX XXXX XXXX XXXX, using a fraudulent address and phone number, and around {$18000.00} was charged to the account. 

I noticed the account ( as well as the fraudulent address and phone number, and the credit inquiries in connection with opening the account ) on my credit report the following month and reported it the credit reporting agencies ( Experian, XXXX, and XXXX ) in XX/XX/2022. I also called to report it to XXXX XXXX XXXX XXXX on XX/XX/2022 at which time they indicated it would be reviewed, I would receive a letter within 30 days, and the account would be closed. 

The credit agencies responded to the disputes indicating they had reached out to XXXX XXXX and confirmed the account, and XXXX XXXX would need to let them know that the account was fraudulently opened before it could be addressed on my credit report. 

Since reporting to XXXX XXXX XXXX XXXX on XX/XX/XXXX ( 65 days ago ), I have called XXXX XXXX at least 5 times to request an update, and at least three of those times, I have waited on hold for over 2 hours to talk to their security department, just for them to tell me they are working on it but can not provide any estimate on the amount of time it will take, and can not provide an confirmation by email or otherwise that anything is actually happening. 

Since XXXX XXXX has taken over 65 days to investigate a fraudulently opened account, the {$18000.00} credit card balance is now in default and my otherwise pristine credit score continues to drop precipitously by the day. As a result I am having countless difficulties : I was unable to open a desired credit card to receive travel points for a large trip and to purchase an engagement ring, I was planning to get off of my parent 's cellular plan but am not able to open my own line as a result of this issue, and I have been planning to purchase a house, which has obviously been put on hold.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX  XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$170.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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: Payday loan, title loan, or personal loan

I have repeatedly emailed Netcredit and sent a screenshot from Netcredits terms and conditions where it clearly states that if an account is created it can be closed. I created an online account before I was denied. I simply asked them to close the account and deactivate it. It has nothing with any database deletion So I have simply asked that the account created and tied to this email that I am emailing from be closed. That has NOTHING TO DO WITH ANY DATABASE!

Not to mention, in the Equal Credit Opportunity Act only states that they have to keep my information in their database for 25 months, NOT FOREVER! 


CFPB link : XXXX XXXX XXXXXXXX Copy and pasted response from NetCredit. 
On XX/XX/2021, at XXXX XXXX, XXXX wrote : Thank you for choosing NetCredit, America 's trusted online lender. 

This email is to confirm that your concerns have been reviewed by our Final Resolution Team.

After a careful review of your account and information available to us, our records indicate that you raised concerns that you wanted your information to be removed from our database. 

After further review, we regret to inform you that due to the XXXX Equal Credit Opportunity Act, we are required by law to retain a record of any customer information submitted to us as well as the status of each application received. 

Our records indicate that we have processed your request to opt/out your account and a email was sent XX/XX/2021 advising you of this information. In addition, NetCredit will not share your personal information with any affiliates and non affiliates of NetCredit. Rest assured that we take data security and privacy very seriously and safeguard all information that we obtain. 

If you have any questions or concerns, our customer support team is available seven days a week to help answer all your questions via phone, email or online chat. 

NetCredit Customer Support Team Phone : XXXX Email : XXXX www.netcredit.com
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was leaked in the recent Equifax hack. I was listed as one of the potential victims on their reporting tool. A sufficient amount of my data may have been captured which would give an attacker enough tools to damage my credit by accessing accounts which only require a date of birth with social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been paid in full with settlement offer they are still reporting that I owe {$590.00} when my balance is now {$0.00} they also said that they will remove it from my report. I have proof that it was paid off on XX/XX/2018.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Account Name { XXXX XXXXXXXX  Account Number { XXXX
Product: Mortgage

In XX/XX/2021, my 1-year-old mortgage was transferred to Carrington Mortgage Services , LLC . The transfer was problematic for many reasons : they transferred the day before my automatic payment posted, and I did not receive the notice of transfer until after that date, which resulted in non-payment. Additionally, there have been a couple of fees for various charges posted to my new account that Carrington claims are from the transfer ; however, there were no fees on my previous mortgage. When I have tried to resolve the issue, they will not remove the errant fee without a written dispute. They are trying to collect the fees via my mortgage payment. I have already spent hours trying to resolve the issue and don't feel I should have to provide a written dispute for them to remove the fee. I feel that Carrington is attempting to defraud me of the amount of the fees by making it difficult for me to dispute the charges, and because the amount is relatively small, hoping I will just pay the fee.
Product: Money transfer, virtual currency, or money service

The buyer XXXX sent {$200.00} u.s money to my PayPal account XX/XX/2022 for XXXX breast pump. 

I posted my breast pump through XXXX XXXX  on XX/XX/2022 XXXX messaged me on XXXX and said she was going to send payment through PayPal on XX/XX/2022 i sent the product on XX/XX/2022 and provided tracking info also she received the breast pump on XXXX.and confirmed she was happy and the pump was what she expected with no issues then contacted PayPal and told them the same and to release the payment to my PayPal balance so they did release the funds. I then tried to withdraw from PayPal balance to my debit card and they asked for more info to verify my identity so I did everything as they asked me to do with no discrepancy. And within a second or two the decision was to permanently limit my account and hold funds for 180 days I am not a business I do not own a business nor do I know anything about how it works I am a normal mother who sold her the best working breast pump I owned to help pay my rent!! I needed that pump but I also had to do what I had to do to keep a roof over my 8 childrens head! I did not expect this or I would had never done it that way! But I will not let this go un heard I will take legal action If I do not get my payment from them in the next XXXX hours and I will start a signature petition because of their unfair unexplained actions against there customers who are paying there high fees to this billion dollar company who is holding our money to collect the interest from it while we sit and stress our next gallon of gas and the next meal we can provide for our children and what bill we will pay and try to extend another to keep our homes going. This is just absolutely insane!! If u don't want my business then ok fine but you can not keep my money when the other party has confirmed they have the item and are happy theres not any reason to at that point other than you are a fraud yourself and your dead wrong!!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution Proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I suddenly received a call from this company ( Westlake Portfolio Management ) referencing an Auto loan account with them asking me to verify by personal information. I have never heard of this company before nor have I done any business with them or given them any of my personal information. 

Since the person on the phone refused to give me any information and I know that my auto loan is with XXXX XXXX, I hung up on them and blocked the phone number. 

To my surprise, I then received an alert from my credit report saying that an account with them was seeing missed payments. 

I tried to file a dispute with the credit bureaus effected and was not successful. I have tried to contact this strange company to get more information about what this is and where it came from and was not provided with any information. 

I need this removed from my credit reports immediately and if I do somehow owe anything to them, they will need to produce a contract or some type of proof that I did do business with them.
Product: Checking or savings account

On XX/XX/XXXX I was overdrafted {$36.00} due to a merchant error charging me {$14.00}. I immediately contacted the merchant and was refunded - I was told by the bank to switch to a new account with overdraft protection and call back when the fee was refunded to my account in order to have the overdraft fee refunded. On XX/XX/XXXX, the refund posted to my account and I visited the truist branch in XXXX  XXXX XXXX  XXXX. They told me that XXXX had been provided incorrect information and they could not refund me because the system said my exception from an overdraft fee in XXXX did not expire until XXXX. There is a mistake here and now that i switched checking the option to refund my overdraft is no longer available. I have not been provided a reasonable solution to this issue and plan on closing my business account, checking and line of credit if the {$36.00} fee is not refunded.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Vehicle loan or lease

On today, XX/XX/XXXX Quality Acceptance repossessed my XXXX XXXX  pop from in front of my place of employee through a third party company after I did not pay the month of XXXX because I had submitted a XXXX ( XXXX ) XXXX ( XXXX ) and a XXXX ( XXXX ) for the vehicle to Quality Acceptance that was accepted by the IRS for payment in the amount of the vehicle. I also submitted a remedy letter, a conditional acceptance letter, letter to creditor, and it was notarized along with the coupon thats attached to the monthly bill. I certified mailed ( XXXX XXXX XXXX ) that packet to the CEO of the company and it was received and accepted by Quality Acceptance on XXXX. I did not receive a response, which stated in the letter that if not responded to within 7 days that they accepted and agree to my conditions. I tried to remedy everything and they responded by repossession.
Product: Credit card or prepaid card

Capital One denied access to my account through the XXXX app.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclay 's has incorrectly reported to the credit agencies and refused to change it.
Product: Payday loan, title loan, or personal loan

XXXX loans opened with affirm through XXXX which requires no verification after phone was reported lost or stolen.
Product: Credit card

Because XXXX erroneously charged me XX/XX/XXXX for a XXXX membership that I did not want and have never asked for, AMEX has not understood nor acted properly when I have assured you that your credit to my account simultaneously with XXXX 's credit has continued to show as a DEBIT over and over each month for {$99.00}. ( If you will review the attached statements and letter from XXXX ) AMEX has determined this to somehow be a debit that I now owe. Just remove your credit and this should leave a XXXX balance. However, over the past year - late fees and interest have continually been charged which is illegal on a disputed amount. 
On my XX/XX/XXXX statement - payments are shown for the balance with new charges of {$190.00}. There is no explanation of what this {$190.00} represents. Do you know? I can not follow your continual month to month charge of {$99.00} to my statement even after you agree to my dispute. 
As you can see from the attachments herein, nothing has been purchased and every transaction shown is your company trying to force me to pay you for NOTHING of value received by me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent out multiple disputes with all the proper documentation experian credit bureau and they still won't do and proper investigation. But still remain the fraudulent account and inquiries on my credit report. Now I'm demanding proof of their full investigation with all the supporting documents showing that all information is correct or else removed from my credit report immediately.