23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

Here 's mynissue : I want to pay Speedy Cash off in full. I suffered a series of distressing and documentable circumstances. Going in person to attempt to speak to an associate, I felt humiliated, discounted and embarrassed. I am also seriously concerned about predatory lending with beastly, unfair fees on top of fees and mountains of interest charge. 

I need your help, please : I am formally demanding a total payoff amount - minus those predatory fees and beastly interest. Also, had I been able to get help, clarity and assistance in person, I know that some of these fees would not be on this account. 

Please assist me toward demanding a full payoff amount offer, in writing minus those predatory fees and compounded interest on top of interest. I want this account to be totally resolved. Please also pass stricter legislation to govern and regulate these predatory organization and the way consumers are treated. Their documents are complicated for the average person and difficult to understand the true, devastating impact on a consumer 's account, budget and life. Thank you very much.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXXXXXX Balance : {$540.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$680.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$580.00} ( Original Creditor : XXXX ) XXXX Balance XXXX {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

I was offered a credit card from AMEX with XXXX bonus XXXX Skymiles miles if I spend {$1000.00} in the first 3 months of getting approved. I accepted the offer and was approved for it. I met my {$1000.00} charge in the first month of receiving the card. After 4 months of not receive the skymiles I called AMEX. I was told that I had an account 3 years ago and do not qualify for the offer. I WAS OFFERED THEN APPROVED FOR THIS PROMOTION. I believe there is false advertising, bad faith, and poor business practices in tricking consumers to obtain AMEX credit cards.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding an inaccurate negative reporting on my credit report by XXXX. From XX/XX/XXXX to XX/XX/XXXX, my loan account was in an approved forbearance plan, during which no payments were due. Despite this, XXXX has incorrectly reported my account as 90 days late during this period. 

After my forbearance plan ended, I was placed on a repayment plan, which I have been diligently following per the agreed-upon terms. However, this inaccurate negative reporting is impacting my credit standing, and I am seeking assistance in having it removed. XXXX said there would be no negative impact to my credit. 

I kindly request an investigation into this matter and for XXXX to correct this error with the credit bureaus. I appreciate your time and help in resolving this issue.

Loan Information : XXXX
Product: Debt collection

I disputed this account several times. The company only verified the account. They did not validate that this account belongs to me
Product: Debt collection

I checked my credit and saw that there was a collection account for approximately {$2400.00} from Amsher collections regarding a debt owed to XXXX. I paid XXXX off when I moved out of the continental US and could not have their service anymore. I have not received ANY phone calls, letters, or other communications from XXXX or Amsher regarding an outstanding debt. It is now reporting to my credit and needs to be removed. There is no outstanding debt and I was not given notice with a chance to dispute.
Product: Payday loan, title loan, or personal loan

I was sent an email stating that I was pre qualified for a business loan, I only needed {$1200.00}. I submitted tha pplication and it was approved, I do not recall seeing the APR, because if I had I would not have agreed. The APR is 664.68 %, I should have this loan paid off with the amount of payments I have made. I dont know if it makes a difference but I am also a member of the XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I see that XXXX XXXX XXXX XXXX is being reported on my consumer report as late and showing my payment history. The Privacy Act of 1974 is being violated by this reporting. Also, 15 USC 1681a-exclusions is being violated upon due to showing transaction history and my experience with XXXX XXXX XXXX 15 USC 1681a-exclusions : report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Money transfer, virtual currency, or money service

In XX/XX/2018 I received {$2800.00} via XXXX for a transaction that I was asked to withdraw the money and buy bitcoins for a third person. I received the money and did everything that I was supposed to do, before it I asked my account manager if XXXX was trustworthy and she said yes, once the money is in your account. 

In XX/XX/2018 the same amount was debited from my bank account because the company which did the XXXX transfer opened a claim. 

In the meantime I was not reached from the bank or XXXX to contest the claim, they just took the money from my account. 

My manager contacted the claim department of Bank of America and they said that they can not do anything. 

I contacted then and they said to me that I have to do a law enforcement. I did an IC3 in the same day.
Product: Student loan

XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts. 
I have filed a borrowers defense claim on XX/XX/XXXXXXXX  and am currently waiting for resolution. I explained most of what happened in that application but to provide a summary, I was promised that I would find a job making a large amount of money upon graduation. I was also told that my degree would cost me roughly {$47000.00}, however, my current loan is XXXX. I am in debt up to my eyeballs and have had to take drastic measures to make ends meet because of their deceptive manipulation.
Product: Payday loan, title loan, personal loan, or advance loan

This company only provides statements via their online portal and app. Their app and customer portal have both been inaccessible since XXXX with no email communication and no paper communication nor statements sent. This is an installment loan that I took out to receive XXXX treatment. As it currently stands, I have no idea how much I owe on this loan, I don't know when my introductory rate period expires, and I can't make any additional payments. I believe they are violating customer 's rights by not providing this vital information and by blocking early payoff requests. Hold times with customer service are extremely long and the representatives don't provide solutions or answers.
Product: Debt collection

I should not have the much to owe on this..it was a rent problem and there giving me all the money we owe on my background!
Product: Checking or savings account

I have been receiving fees on my checking account when Ive been having money deposited for payroll. I dont understand why they keep doing that.
Product: Debt collection

I did not receive any information. The response said see attached. Nothing was attached. Again provide clarification, note that you have 30 days from the original compliant to provide me with written notification
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned regarding the serious possibility that you have not follow permissible purpose provision of the federal fcra. Hey credit account an inquiry was placed on my credit report. The ACT specifies that you must document the reason for requesting my report and when in error remove them as well. I'm depending XXXX XXXX to follow the statute : need to provide documentation that allow is followed by researching the matter at once or move this offending account and inquiry as soon as possible yours truly XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached items are reporting on my credit report illegally as they do not belong to me. I have submitted previous forms indicating that such accounts do not belong to me. The credit bureau is continuing to illegally report these accounts and violating my consumer rights. I have obtained legal counsel through XXXX XXXX XXXX, Attorney at Law who is prepared to sue the bureau attached to this complaint, on behalf of XXXX XXXX XXXX, if a proper reinvestigation and deletion of these accounts is not completed. 

If not removed within 15 days of receipt of this notice, XXXX XXXX XXXX, XXXX XXXX XXXX will begin court filing in which civil penalties for violating consumer rights will be addressed. 

In addition, XXXX XXXX XXXX states the following : Under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. 

In a reasonable effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, and proof of your authority in this matter. Absent such evidence, you must terminate and remove this account and correct any erroneous reports of this debt as mine.

For the record, I state again : I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. Please provide evidence of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and promptly will work as a waiver to any of your claims in this matter and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed.

Your continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from all sources you have reported it to.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, WA XXXX  XX/XX/XXXXBarclay Card- Executive Office XXXX XXXX XXXX XXXX , DE XXXX Greetings : In early XX/XX/XXXX, I signed a contract with a company called XXXX to purchase equipment that was difficult to obtain. They would add money to my Barclay Card visa account, and I could use that money to make purchases and send them away. On that basis, I agreed to make the purchases for XXXX and send them off. I was given a XXXX XXXX business account number of XXXX with the name XXXX. From that account, money was added to my Barclay Card in the amount of {$20000.00} on XX/XX/XXXXand I checked online and was assured the money was there. I then made purchases and sent them off. Money in the amount of {$16000.00} was added on XX/XX/XXXXand again I made purchases and sent them off. On XX/XX/XXXX, the first two of these payments were reversed, leaving me stuck. I feared that the second would be reversed and called Barclay Card asking for them not to let that happen, but even so it was reversed posting XX/XX/XXXX
I believe that Barclay Card has some responsibility here. I know that checks that are cashed then bounce later, but I did not know that money could be transferred online from a valid account with sufficient funds and then reversed many days later without a court action. Ill bet this happens many, many times. I believe this makes both XXXX XXXX and Barclay complicit in fraud, as I believe that this been happening in this way for a long time. I had someone check and literally hundreds of packages are sent daily to the address I shipped packages to, and I believe all of them are shipped by people like myself who are paid to a Barclay account that allows the account to stop payment many days later, thus helping fraud happen. Had I known that it was possible for this payment from a XXXX XXXX account to a Barclay account to be stopped in this way, I would not have made and sent those purchases.
It should not be possible for someone to reverse a payment after many days simply by pushing a button. Commerce in the US would stop! Anyone stopping a payment should need to get a court order to do so. I think Barclay should have some kind of system set up to investigate when this happens often. By allowing many, many of these kinds of reversals without a court action, XXXX XXXX and Barclay are complicit in allowing this kind of fraud to happen.
Product: Bank account or service

On XXXX, I received a text message from Bank of America ( henceforth BoA ) asking if a few suspicious transactions were legitimate. I immediately responded " NO '' as directed. Immediately afterwards called BoA to cancel the card, where I was told that the card was cancelled. 

In actuality, they never cancelled the card, and the thief went on to continue using the card, withdrawing XXXX dollars. I have been back and forth with BoA three or four times, and each time they say they will re-open the claim, and every time they say it was not their fault and re-close the claim. 

Again, I flagged these transactions and called to cancel the card and got confirmation that it was cancelled, and they never actually did! MOST of the theft occurred AFTER I called BoA to confirm the fraud and cancel the card. 

At this point, I am out over $ XXXX, and they keep giving me the run around. How can Bank of America act like this? They flagged the transactions to me in the first place and I called in to cancel the card! This is entirely their fault, and it has put me in a serious pinch.
Product: Debt collection

I was a victim of identity theft. The amount went to collections and is still on my credit report. The amount is for {$380.00}. XXXX had already stated the debt was not mines.
Product: Credit card or prepaid card

I used my credit card to reserve a hotel for a weekend trip to Puerto Rico for  spring weekend as a honey moon trip. XXXX {$90.00} to reserve XXXX {$120.00} was charge the pm we got to the place On XXXX/XXXX/XXXX around XXXX we got to the " hotel '' for check in and a guy met us at XXXX to help us find the place. The place was a dump and the area was scary, I felt so bad but grab keys and left to our tour of that day. We got to the hotel at XXXX and to our surprised that we did not get the gate keys so could not get in the room. Had to wait until after XXXX for the guy that checked us in to open the door. I was SO mad at that point that I told him we were leaving the next XXXX and where to leave his keys. He said on the table. At XXXX I wrote a written notice plus sent him a text, we contacted a friend of a friend and the remaining of the weekend slept on an air mattress. The advertising for this place is deceiving and I took pictures to show how horrible it really is and on top of that to have to stay on the street unable to go inside the room it is unacceptable. My credit card company denied the dispute because I did not cancel 2 weeks prior, which makes no sense since I was planning on staying on the hotel but due to the circumstances were forced to leave. This company, ( Hotel ) has the history of doing the same thing because I found customer reviews after the fact. The credit card company did not protect my rights as a consumer and I feel ripped off having to pay for a place that first of all, I left. That made my honey moon a horrible experience and now we have to do something else later on and did not use.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled report from Equifax and noted Credit Systems is falsely reporting 2 accounts in collections with inaccurate information. These 2 items was removed from my account over 4+ years ago and now it is reappearing. I was not notified beforehand legally of this collection and this should not be on my report with Equifax. 
I recently ( last week ) filed a complaint on XXXX for the same issue and it was promptly removed after notifying CFPB and now it has appeared on Equifax. I am requesting the 2 negative accounts placed in collections be removed. 
Thank you.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unsolved, The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 Experian 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 Experians inaction violates Federal law and my rights as a consumer.
Product: Mortgage

After buying our new condominium in XXXX we received a tax bill for the whole building in XX/XX/2021. I promptly forwarded to the escrow company that bill ( {$3300.00} ) with our deed that explained that we owe 33.33 % as we are one of three units in the building. This brings a total owed by us to {$1100.00} by XXXX. The mortgage company did not respond and did not paid the bill, when contacted they just said that they were looking into it. 

By XXXX we received the second quarterly bill for the building. The total owed by our unit is {$2200.00} and we have received {$37.00} in interest for non payment of the first quarter. I again contacted the mortgage company multiple times by phone, email and text. They assured me that the bill will be paid by the due date, XX/XX/XXXX. 

On XXXX we got an escrow analysis done and they estimated the real estate taxes to be {$10000.00}, up from {$6600.00}. So now our payments are increasing {$580.00} per month without an actual split bill from the city and without any disbursements made for real estate taxes. 

Today ( XXXX ) I contacted the mortgage company again because the real estate tax bill has not been paid and they stated that they will not move until the city splits up the building into individual tax bills. The city has repeatedly told the escrow company that the split will happen in XXXX and to just pay a third of what is owed according to the deed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whoever it concerns my name is XXXX XXXX I am seeking litigation for the violation for Not following the the codes 15 USC 1681 section A 15 USC 1681 section 604 A Section 2 For the accounts of XXXX XXXX  XXXX XXXX XXXX XXXX  Credit control corporations XXXX Transunion XXXX are not honoring my request for the law code set in place for me.. There giving me stall tactics.. In your database you can see all the complaints that I sent to you and none of them been honored by law please look into this matter for me thank you
Product: Checking or savings account

I opened an chase liquid account XXXX years ago and established good banking history up to date and I decided to open a chase premier plus checking on XXXX XXXX and I noticed XXXX days later I couldnt access my funds in my account due to my account being frozen for no apparent reason I called chase numerous times after the incident and was told that I could maintain the chase liquid and was transferred over to another dept and was told that the account couldnt be maintained so I called again and told me that my online access was restored the information with chase had been very inconsistent and untruthful but for no reason my premier plus account was closing for no reason so I talked to XXXX in the XXXX offices and promised that she will submit the information over the business back office to see if the decision can be overturned I explained to chase that I will want to maintain my relationship with my accounts and was told that the chase liquid will remain open and they closed my accounts