23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I opened a XXXX credit card with Comenity bank in XXXX XXXX. Since opening I made two purchases on the card. The first payment for {$120.00} was made on time. They did not give me an option to sign up for automatic payments so I had to manually make the payment. 

I made a second purchase for {$29.00} on XXXX/XXXX/XXXX. I assumed the account was on autopay and did n't check to make sure the bill was paid. They had sent me emails but I did n't check them. I got a call from them on XXXX/XXXX/XXXX asking me to pay all outstanding balance. I told them I missed the payment assuming it was on autopay and asked if they can reverse the late fee of {$29.00} XXXX at this point my payment was {$29.00} purchase + {$29.00} late fee ). They responded rudely and said they 'll report the account as " not intending to make a payment ''. I was frustrated with the experience but I paid off all outstanding balance XXXX {$58.00} online payment ) and closed the account. 

I received an email on XXXX saying there is a balance of {$34.00} on the account. When I checked, I see a new late fee charged on XXXX for {$32.00} and another {$2.00} fee on XXXX. All this had been charged after I paid all outstanding balance on XXXX. I called them today and they said I need to pay all outstanding fees otherwise they will continue to charge me more fee.
Product: Student loan

Dear XXXX XXXX XXXX Department, I am reaching out to seek assistance regarding an issue Ive encountered with the loan forgiveness process through MOHELA. I initially applied for loan forgiveness, and according to the guidance provided to me, my loan was supposed to be forgiven under a specific program. However, after submitting my application, I was unexpectedly referred to other companies, such as XXXX, to process the request. 

What has been especially troubling is the excessive time it is taking to process my loan forgiveness application. I received an email confirmation on XX/XX/year>, stating that my application was in the process of being reviewed. Since that time, there has been no further update, and it has been placed into forbearance, during which interest has been accumulating. 

I understand that loan forgiveness applications can take time, but the delay has become unreasonable, and I am growing concerned about the lack of communication and the financial burden this delay is causing. Time is critical when submitting an application for forgiveness, and I am unsure if the delays are due to negligence or intentional actions that are contributing to the accrual of interest on my loan, which should not be occurring if the forgiveness process was properly handled. 

I would greatly appreciate any assistance or clarification regarding this matter and would like to understand why my application has been delayed for so long without any communication about its status. Additionally, I would like to know what steps I can take to expedite the process and ensure that the loan forgiveness is handled appropriately and that the accumulation of interest is addressed. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.
Product: Debt collection

Southwest creditors constant unwanted phone calls everyday repeatedly unwanted phonecalls from a XXXX phone number saying i owe a dept but not explaining what the debt is i want these calls to stop i will calm them when im interested
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an issue with my loan servicer. My loan servicer was XXXX XXXX XXXX for over 10 years, they transferred my loans to XXXX without my consent. As a result of this switchover my credit score has dropped over 40 points as they've reported my account closed, wiping out over 10 years of history on this account. This seems extremely unjust as I've worked hard over a decade to build up my score and have never once missed a payment. Please tell me how this is fair to me as a borrower. I've reached out to them and they've told me " that's how it is ''. I demand some kind of action. 

FURTHER, they've deleted ALL of my payment history and now neither XXXX nor XXXX XXXX have any information on my payments, for over a decade! Please urgently advise.
Product: Checking or savings account

Bank OZK has failed to pay me, they sent this PDF, the PDF did NOT come with a check and I HAVE NOT RECIEVED A CHECK IN THE MAIL AS I REQUESTED IF THIS BANK DOES NOT PAY ME ASAP I WILL ESCALATE THIS TO LAW ENFORCEMENT. YOU CAN NOT PRETEND TO PAY ME VIA CFPB AND NOT PAY ME> I WANT MY MONEY NOW!
Product: Debt collection

On XX/XX/2018 at approximately XXXX XXXX ( eastern ), I ( XXXX XXXX XXXX ) called LJ Ross ( XXXX. XXXX XXXX , XXXX, XXXX XXXX, XXXX, MI XXXX, XXXX ) and asked to speak with a supervisor. I was transferred to a supervisor by the name of XXXX. I related to XXXX that I was unhappy about the communication that one of his representatives had with my father ( XXXX XXXX XXXX ). I advised XXXX that someone called my house last month and that they shared the debt amount ( {$1600.00} ) and the debt originator ( XXXX XXXX XXXX ) with my father via oral communication at my home phone number of XXXX. 

I asked XXXX to research who made the call, XXXX stated that the call was made by XXXX on XX/XX/2018 at XXXX. I then asked him why they would share that information with my dad. XXXX said that my dad must've said he was me. I advised XXXX that my dad would not do that. 

I then asked him that when I call the XXXX # to call in, that I am asked to verify my LJR Account # ( XXXX ) and the last four of my security number every time. And I asked him why his representatives when calling out, don't follow that same practice. XXXX stated to me that he was unaware that the touchtone prompts at the XXXX # ask for a persons last XXXX of their social and then said that they do verify name and addresses, but don't always verify the date of birth or social security number when calling. 

I am highly upset with their practices and sharing the information with a third party. As I informed XXXX that it severely impacted my relationship with my father and that because of this ; I will be filing a complaint. He said that he will look into it.
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act XXXX Account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 furbish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

opened XX/XX/2022 account says still open.I tried to get it disputed and its still on my credit, Its 11 accounts open with the XXXX XXXX company, they are asking for XXXX $ that i did not aprove or did myself
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person and living human being. I am aware that I have consumer rights under 15 US CODE 1681 and 15 US CODE 6802. 

Equifax is governed by 15 USC 1681 and 15 USC 6802 and they have violated my rights numerous times. I demand all the accounts listed below be deleted from my consumer report because according to 15 USC 1681 and 15 USC 6802, I have the right to privacy and I did not provide Equifax written permission or instructions to furnish these accounts on my consumer report. This is not a request for verification or validation of debt. I want Equifax to do what is fair and equitable to me as a consumer. 

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 ***Please also see attached
Product: Debt collection

Ref : Case No : XXXX. 

1. This is to inform you that I have received a bill from Renton Collection Inc ( Copy Enclosed as an attachment : Exhibit A ) for an amount of {$88.00} raised on behalf of XXXX XXXX XXXX. Which includes a principal balance of {$46.00} and an interest to date of {$42.00}. I have not utilized the services of this agency till date and I do not now why the collection agency is harassing me for it. 

2. This is also to inform you that I have also received another Summary statement from XXXX XXXX XXXX Case No. XXXX dated XXXX XXXX, 2016 ( Copy of the statement received Exhibit B ). Indicating that they have submitted the case to Renton Collection Inc and I should contact them for further action. 

3. I am afraid Renton Collection Inc has submitted an erroneous claim for {$88.00} on behalf of XXXX XXXX XXXX to whom I do not owe any money as I have not utilized their services. 

4. I have also noticed that they have falsely reported this matter to Credit agency XXXX with malicious intent and it now shows on my credit report as a bad debt. I have disputed it ( XXXX case XXXX. XXXX ) verdict pending.
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. 
XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX has violated my rights. 

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 XXXX 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

I attempted to contact Transunion to start an investigation regarding these inquiries. Transunion referred me to CFPB. 
The following companies are involved. The are fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was diagnosed with XXXX XXXX in XX/XX/XXXX. Spent XXXX in and out of hospitals. 
( XXXX XXXX/XXXX/doctors/XXXX  ). My insurance at the time paid for most of the medical claims but I received statements reflecting my balance due after deductibles. I paid on these balances as I received bills. At some point XXXX stopped mailing me statements and sent all of my charges to a collection agency called C & H Collections. Absolutely the worse, heartless people I have ever dealt with in my life. I made payment arrangements and up until XXXX of XXXX I paid over {$5000.00}. 
In XXXX of XXXX received FIRST NOTICE of a balance due of {$2800.00} from QAR. Multiple medical accounts from XXXX XXXX. C & H was no longer handling my account. QAR took it over. I again made payment arrangements with them and paid {$2000.00}! 
QAR is still calling me ( as recent as today ). They ( XXXX XXXX ) told me that I still owe a {$2000.00} bill from XXXX from XXXX!! They received it four years later in XXXX. I have asked QAR ( XXXX XXXX ) to mail me a statement of my account showing what I have paid them and to explain the new charge from XXXX. I asked at least 5 times on different calls. TO DATE I HAVE RECEIVED NOTHING!!! I think they are just trying to get more money out of me. There is no way I owe anymore more money after paying {$7000.00} to both companies for medical bills from having XXXX XXXX!!!! I am not even sure what I was paying for. I just want this nightmare to be over!
Product: Credit reporting or other personal consumer reports

XXXX, which is severely impacting my financial stability. XXXX is reporting my 8 student loans double as 16 separate accounts, leading to inflated debt figures on my credit report. This discrepancy has caused my debt-to-income ratio to soar, resulting in a significant drop in my credit scores with no fault of mine. 
As a direct consequence, I am now unable to qualify for a necessary home refinance loan, which is crucial for my financial well-being. This situation is not just an administrative error ; it is jeopardizing my ability to secure stable housing and manage my finances effectively. 
Despite my efforts to resolve this matter directly with XXXX, the issue remains unresolved, and I am in urgent need of support. I respectfully request your intervention to ensure that XXXX corrects this inaccurate reporting and helps restore my credit standing as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX blocked and deleted these accounts and updated my personal information. 

See attached for removals from XXXX. 
FTC report. 
Drivers License Along with previous ignored complaint
Product: Credit reporting or other personal consumer reports

Several late payments on my credit report appear inaccurate. These do not match my payment history. I request corrections and an updated account.
Product: Credit reporting or other personal consumer reports

I do not recognize the following inquiries in my credit report : 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

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 Account Name : XXXX XXXX XXXX Account Number : # XXXX Account Name : XXXX XXXX Account Number : # XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX # XXXX ======================================= UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXXXXXX XXXX XXXXXXXX - XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX ======================================== 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 of 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

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX, # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, # XXXX, # XXXX XXXX, # XXXX XXXX XXXX, has violated my rights. Also the credit bureaus stated these accounts was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. 


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 They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Checking or savings account

Our mother is being scammed from an account held at Chase bank. After try to get them to assist with no success, a local baker suggested we transfer the money to protect from further fraud, we did with transparency. Chase restricted the accounts designed to protect our mother. After some time Chase opted to close these accounts and also decided to close my personal accounts ( checking and savings ). Upon contacting the Fraud department they said there was no other option but restrict all my personal accounts, close them and send the money via mail. My accounts did not have any fraud and Chase fraud has given me several estimates of when I would receive my funds. First I heard 7 day, the 7-10 business days and finally 14 business days. As of today it has been 7 days and all my funds are still showing in the account with no action taken to get my funds back to me. I need assistance as I have bills due which requires payment. Thank you for your assistance.
Product: Debt collection

On XX/XX/2021 One of XXXX XXXX XXXX 's " employees '' XXXX?? contacted me about a debt that I owe. After trying to ask numerous questions about the Debt and your company she got rude, ugly, nasty, belligerent, screaming and using ugly language to me and talking to me like I am just XXXX. She also gave all my personal information out to someone who called on my behalf without any consent on file. Please contact me please and thank you. I have filed a formal complaint with them but what if this lady is in the chain of commands and gets ahold of my report. I do not want her treating anyone else like she treated me.
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 the timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error and resolution requirements under the electronic fund transfer act ( EFTA ) and regulation e. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Recently i locked 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 verify as accurate XXXX acounts ( XXXX XXXX  ) TRANSUNION
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items that were dated wrong, XXXX now showing up as XXXX, not sure why, not applied for credit more then 3-4 times now listed over 7 times which nick my credit down plus XXXX XXXX card we or I cut up and returned to company is listed on my report tried to ask Equifax if there my mom credit cards and on one of them why is this reported as thought it was all my debt since she is XXXX has health issues and asked me to get her things at the store or on line, as said not sure it seems to put my credit off it it assumes I am responsible fully for being added after the fact to one of her credit cards which I believe are in good standing. I asked could I be held fully for this debt and if its listed as both of us why income or only most half shown since I am not the original card holder but seem to get ignored I am also having mom remind XXXX. XXXX XXXX card was returned after I cut it up and she had me removed which was or should of never been sent as she removed me earlier that year. This is wrong and or dates wrong, had ID theft but if they have your info guess one is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX who is this and shows up twice why? Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXXwho is this Inquiry from XX/XX/XXXX XXXX XXXX XXXX date XXXX? Inquiry from XX/XX/XXXX XXXX XXXX CXXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX No idea who this is or why it is here. XXXX XXXX Inquiry from XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS IN XXXX FOR SEVERAL YEARS SOMEONE USE MY PERSONAL INFORMATION TO APPLY FOR LOANS AN CREDIT CARDS MY INFORMATION WAS ALSO PART OF A DATA BREACH WHERE MY INFOMATION WAS USED FOR IDENTITY THEFT THERE ARE SEVERAL FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THAT I DO NOT KNOW AND AM NOT FIMILAR WITH THESE ACCOUNTSI am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  XXXX. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2014 my student loans were discharged through the total and permanent disability discharge with XXXX the account 's on my credit report with Experian should be removed because they are XXXX XXXX XXXX. 

XXXX has already removed the two student loans from their database. I am asking why Experian refuses to remove the referenced accounts I have contacted XXXX XXXX for further support in this matter from experian. 
at XXXX XXXX
Product: Debt collection

The collection agency and the rep holding my account ( XXXX ) refuse to disclose the verification of the debt. I reached out to the original creditor who confirmed that the information on file is incorrect. When I call, the operator says XXXX is away from his desk and no one else can help me with my account. This has been going on since XX/XX/XXXX. My initial contact was XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX