23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I have purchased Google Playstore Gift cards worth {$2000.00} from XXXX XXXX in XXXX XXXX with an intention of buying Google Devices from the Playstore website. 
I called the Google Playstore Customer service and they informed us that I can not use Google Playstore credit to buy hardware. However, it was in the same call, the rep informed me that she could redeem all the cards on behalf of us and they would try to request for a refund or keep the funds in our account. I told the customer service rep that we would give the card details only if she can assure a refund and the rep was very optimistic and made us believe that she can get the refund for us. If I were informed of any possible problem, I could have avoided disclosing the gift card details and we could have kept all the cards with our self. 

So, right after we gave the gift card information, they have limited my access to our account " XXXXXXXXXXXX '' and all these days, I have been communicating with them and doing frequent follow-ups about the status of the gift cards. Every time I call the Playstore customer service, they would point me to the Google wallet team who blocked my account. So my calls get transferred to the Google Wallet and they would come back asking me to upload verification documents and someone would follow-up with me. 

Since XXXX XXXX, I have uploaded the requested verification documents numerous times and have called them more than 50 times and every time I call in, my call gets transferred to numerous departments talking more than an hour with no outcome. More than 50 emails were exchanged between me and Google Playstore, Google Wallet and Google Commerce requesting for reinstating my account so that the Google Playstore could refund my money. 


For over 15 months until XXXX XXXX, all I was being told is my Google Wallet account has been closed and Google Playstore being linked internally to Google Wallet, I can not use my Google Playstore funds. I do n't really care for the Google wallet and all I requested was to refund my money. 

I am tired of contacting them again and again and I have wasted so much of my time in my life. The last time I have contacted them XXXX/XXXX/XXXX and since then I completely stopped contacting them as I became very busy with my school work. At my work place I was advised to contact CFPB and then try to reach small claims. 

Today I am contacting CFPB to hope I would get some reprieve in getting my blocked funds back. 

I would appreciate all your help in this regard. 

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

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX  XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm a victim of identity theft. My XXXX XXXX credit card account/card is lost/stolen : XXXX, this account is listed and showing on my XXXX XXXX, XXXX and Experian credit report as open. This account should be closed. The XXXX XXXX credit card account was compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I made a lump sum payment to Honda Financial services that was more than $ 10,000.Before making this payment the agreement was that it would be reflected on my credit report. They refuse to report it. 
In XXXX I filed bankruptcy and included the XXXX XXXX XXXX, and signed a reaffirmation agreement. ( I continued making payments ) Before adding the honda to the bankruptcy I asked if this would reflect on my credit as IN GOOD STANDING? The response was " Once the car is paid off it will reflect on your credit report as paid off ". They did not tell me that they were going to take the loan off of my credit report completely. Once I realized that it was not showing at all I called them and asked what happened. They explained that the loan would reflect on my report once I paid it in full. Over the course of the next 4 years I was late 2 or 3 times and moved one payment to the end of the agreement. Every payment after that was mostly early and on time. The car was paid off ahead of schedule. The amount that they were given at once was a very large amount of money, and now they refuse to comply with the agreement. 
Also the car had several repairs done in XXXX while sitll under warranty. Two months after the same repair was done 3 times the warranty had expired and the same issue occured, they refused to replace the brand new parts that they had replaced 3 times. Documents to support my issue are available.Also the radio has blacked out and this was an ongoing issue shortly after I purchased the car brand new.
Product: Payday loan, title loan, or personal loan

last year I made some applications to a few loan companies and never took any loans. I started to receive texts from and unknown source that I would delete. Then 3 weeks ago I was sent a check from XXXX XXXX. I had no banking relationship with them for since XX/XX/2017 at minimum. I researched the memo on the money order which indicated that it was some sort of legal settlement from a class action suit against XXXX. 2 weeks after that I get a letter from XXXX showing that XXXX had come into a closed account from a XXXX XXXX. XXXX took out what I owed them and sent me the balance. I never requested this loan. this loan was forced on me just like XXXX XXXX forced loans and such on its clients. I had no knowledge that the money i was sent was from a loan company and it tool several visits to a perplexed rep at XXXX to ascertain what happened. I do not owe this money under civil law. 
I do not know how i was forced this loan. I deleted all threads from companies making these loan offers and never hit reply or opt out ... that is what the thieves need you to do to hack your phone so I just ignore and delete
Product: Credit reporting or other personal consumer reports

The economy is bad and so is my credit report which is way much worse, which has inaccurate information on it causing me XXXX  XXXX. Didn't know upholding my rights as a consumer is this frustrating it's making me XXXX, I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong information.
Product: Credit reporting

My Department of Education loan has been in income based deferment since it became due in XXXX. The status has always been positive till XXXX, when it started showing XXXX late payments. I have contacted Dep of Education / XXXX with this issue. They stated that their report of the loan shows {$0.00} amount due, therefore the loan would n't have any late payments. XXXX customer service representative also explained to me that the incorrect reporting most likely happened when the loan was transferred from XXXX XXXX to XXXX. They provided me with documentation to submit to the credit bureaus for correction and also stated that they had amended their credit bureau reporting. 
I have submitted all the documentation to Equifax 5 different times. 5 different times Equifax came back stating they verified the information currently reporting as correct. That is a blatant lie! When Equifax receives a dispute, it waits 30 - 35 days and then sends a generic letter stating they verified the information to be correct. When I ask them to provide me with the sources who verified the information, I do n't receive a response. 
This is not my first complaint about Equifax 's reporting practices. When I submit a complaint, Equifax is quick to respond that the account in question is currently under investigation. I received a notification today that my Department of Education / XXXX loan 's investigation is concluded and the information currently reporting is correct. That is another lie! How can Experian verify the same information and conclude that their initial reporting was incorrect and amend my report and Equifax is unable to do so? 
When I call customer service at Equifax , the representatives are more interested in selling me a product than helping me resolve my issues concerning their reporting. When Equifax responds to the complaint that consumer has not supplied additional information, that is another lie. With this complaint, I am simultaneously filing another dispute with Equifax and providing an official letter from the loan institution stating the facts. Undoubtedly, Equifax will respond that the account is currently under investigation and results will be forwarded to me in 60 days. Undoubtedly, in 60 days I will receive yet another generic letter stating that all the facts have been verified as accurate, yet another lie! 
The level of negligence Equifax demonstrates when it comes to consumer reporting and dispute processing is absurd. And not just that, when they are called out on their deficiencies, the extent of their cover ups and lies has no end! 
I am submitting all the documentation with this complaint and also to Equifax once again. Equifax is violating my consumer rights under FCRA, Section 611 ( a ) ( 6 ) and ( 7. I demand immediate correction of my report and formal investigation into Equifax consumer dispute processing practices.
Product: Mortgage

i pay my mortgage with " myloancare '' online through their website, it has been almost 7 days now where i can not access the website. i have tried from numerous devices to access the website and every time i receive the prompt " the site can not be reached. '' i have tried to pay through the phone by using their automated system. the system told me my payment was processed, yet no evidence of a payment confirmation has shown. every time i make a payment i receive an email confirmation that a payment has been made. i have not received one yet. usually within a few hours, it shows that the mortgage bill is processing in my bank account which has not happened yet either. 

i feel like it is extremely difficult to pay my mortgage which i personally am more than willing and able to pay, the payment systems they offer dont seem to be working and it is becoming increasingly worrisome that if my payment is not made on time that i will receive repercussions for something that is not my fault. the company has not seemed to communicate anything reguarding this issue. upon checking online there are other consumers who are facing the same issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX company, continues to report to the credit bureas although the account I had with them is over 10 years old. the Account is to old to be on my report and it should be removed. I have filed numerous complaints. and it still shows up.
Product: Debt collection

On XX/XX/2024 I received a collection notice from Portfolio Recovery Associates and I sent them a letter through certified mail requesting court worthy debt validation and they failed to provide it to me. On XX/XX/2024 I saw there collection account on my credit report and it got damaged severely by XXXX points. I then sent them a second debt validation letter and they failed to provide me proper documentation for this alleged debt with XXXX  XXXX. They also keep harassing me with daily phone calls, texts and emails which is a violation of the FDCPA ( 15 USC 1692 )
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( 3 ) INFORMATIO

N regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a credit report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did, please send me copies of my written signature giving consent to this matter.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 

XXXX XXXX XXXX XXXX XXXX You supposed to add notice within 30 days not 1 day over as i have proof. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ).
Product: Credit reporting or other personal consumer reports

In response to my 1099c copy b form iv received. The claim made of my copy B document from XXXX stating the document enclosed with your complaint determined the IRS Form 1099-C provided is fraudulent and was not sent to you by XXXX To this my question is, in writing what exact evidence is XXXX XXXX of XXXX providing to make such a claim? of the legitimacy of my Copy B form. To then follow through with your false assumption of the1099C copy B form as that of a Fictitious Financial Instrument '' yet with no stated evidence on this claim? As it seems to be of either ignorance or lack of capability to uphold your duties appropriately. 

Three copies originate from the 1099C Form for forgiveness or cancellation of a debt. Copy A, B and C. Copy A as that of what the lender or Nelnet in this case has filed with the IRS. Copy C then being retained and kept for the creditor, while sending copy B to the debtor in this case myself to be kept for my own records as well as filed and included as income taxes on form 1040. 

As provided and attached to this complaint the following information matches XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address ( as specified exactly from the address XXXX XXXX you provided in your own letter in the top left hand corner? ) Attention to XXXX XXXX XXXX, current CEO of XXXX. XXXX EIN number provided as shown in the creditor box, As well as my own social in the debtors box. All necessary requirements as for any other Copy B form one would receive from a creditor. It'd be a wise decision to even call the IRS yourself when this 1099C Form was submitted for acceptance to further prove its validity. I ask again, what exactly have you come to deduce that makes this document fraudulent? If no evidence is provided then I respectfully ask to make the following reflection for the 1099C Copy B student loan XXXX account XXXX. With the 1099-C IRS form Copy B total amount forgiven and discharged of {$13000.00}. If this escalates into further conflict and your avoidance ultimately leading to alleged tax law violations. I'll have no other choice but to inform the IRS upon these violations you are commiting via filing a 3949A, or Information Referral immediately for these alleged income tax violations committed by you and XXXX.
Product: Debt collection

Description : CBA Unable to Validate Alleged Debt Creditors Bureau Associates has failed to provide requested information from a recent dispute letter that was sent within the 30 dispute period as suggested. 

I received a letter by mail from Creditors Bureau Associates of Georgia ( CBA ) on XXXX XXXX 2016 dated XXXX XXXX 2016 stating that I had an outstanding balance of {$1100.00} from " XXXX XXXX. '' According to the received letter from CBA it states as follows : " Unless you notify this office within 30 days after receiving the notice that you dispute the validity of this debt or any portion thereof, this office will assume the debt is valid. If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request this office in writing within 30 days after receiving this notice this office will provide you with this name and address of the original creditor, if different from the current creditor. '' On XXXX XXXX 2016 I sent a dispute letter to CBA and a tracking delivery confirmation was received on XXXX XXXX 2016, asking to verify the validity of this account and original creditor. 
On XXXX XXXX I received a letter from CBA dated XXXX XXXX 2016 that states : " According to the FDCPA, your account is past the 30 day validation period. Please contact our office if further information is needed regarding this account. This account is seriously past due. Please remit payment immediately. '' XXXX XXXX : XXXX wrote the first letter on XXXX XXXX 2016 I received their letter on XXXX XXXX 2016 I responded back to their letter on XXXX XXXX 2016 They received my response on XXXX XXXX 2016 From XX/XX/XXXX-XX/XX/2016 is a total of 19 days ( including weekends ) 13 days ( excluding weekends ). My dispute letter was written within the correct/allotted timeframe and still no information was sent regarding verification. 
As stated above : " If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. '' Since CBA can not obtain such information for verification CBA is not authorized to : - Collect this alleged debt - Make contact about this alleged debt - Report it under the FCRA, - Report this debt to XXXX, XXXX, and XXXX
Product: Checking or savings account

I went and checked my cash app and it said it was closed because I supposedly went and did something against their terms and conditions but no one will tell me what I did exactly wrong. And this is the second account they have closed for the same reason. I dont know what I have done wrong I get direct deposits from my work and my fiance sends me money but other than that I dont know what I did wrong
Product: Money transfer, virtual currency, or money service

I inadvertently sent {$650.00} from my Well Fargo bank checking account via their person-to-person system, XXXX, to the wrong person. A single phone digit was entered in error, thus sending the money to an unknown person. I alerted Wells Fargo, whom then filed a claim. Well Fargo contacted the receiving institution, XXXX, which has not respond to Wells Fargo. I contacted XXXX and was told the receiving person has not responded and to continue working with Wells Fargo. Well Fargo advised the funds may not be recoverable. I've read regulation E and it seems this type of errant transaction should be covered. Any assistance is appreciated.
Product: Mortgage

I have a mortgage with XXXX bank out of XXXX, Ohio. I have been trying to pay off the mortgage over the past six months with large payments of {$10000.00} to {$15000.00} as my bank CD 's mature. 53 has repeatedly refused to credit my payments to the principal and kept using part of my payments for forthcoming regular mortgage payments despite my clearly stating on the checks that these payments were solely to reduce the principal only. This resistance to customers trying to pre-pay mortgages is apparently a regular business practice of this bank as other complaints to sites like the XXXX also note they vigorously resist pre-payments. Most recently I made a payment of {$15000.00} via a check which was cashed by them on XX/XX/20 and has cleared my bank and they failed to credit this to my principal or anything else. They first admitted a mistake, but have never fixed it despite repeated written complaints and telephone calls to them. Essentially, as it now stands, the existing circumstances is that they have stolen {$15000.00} from me. I am aware of your pending lawsuit against them for deceptive practices and this kind of act by them seems to fall right into a similar category.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB and XXXX representative, This complaint is a follow up to unresolved issues from 2017 filing to XXXX XXXX. XXXX 's mishandling of the account is a huge violation of the Fair Credit Reporting Act, and I urge the CFPB to take a cautious look at XXXX Credit Card actions backed by XXXX. Numerous consumer sites detail the fraudulent activity by the company in opening accounts, moving money around, restricting access and ruining consumer credit. This needs to be put to an end with an acceptable resolution. Legal action should follow if consumers are not granted an acceptable and prompt resolution. Further information in the attached word document. Respectfully, XXXX
Product: Student loan

I applied for my IBR recertification via XXXX and Navient XXXX of my lenders rejected my application stating that I needed to provide pay stubs instead of my tax return from last year ( which I had provided ). I refused to give my pay stubs because 1 ) I am permitted to provide my tax return for recertification and 2 ) last year when I provided two weekly pay stubs at their request they said my income was double what it actually was and calculated my payments accordingly despite the fact that the pay stubs clearly stated they were from two different weeks. I resubmitted my recertification application but am concerned they will just reject again for no reason.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of unauthorized hard inquiries on my credit report, as indicated in the report recently provided by your agency. Upon careful review, I have identified these inquiries that were conducted without my explicit consent or knowledge. 

For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For Equifax : XXXX - XX/XX/XXXX