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

I was going out of town and made an early payment for my credit card on XX/XX/XXXX for the XXXX XX/XX/XXXX statement closing, and the XXXX statement closing was on XX/XX/XXXX. Monday XX/XX/XXXX was a public holiday, hence I made the early payment. I had already made a first payment for the XX/XX/XXXX statement closing on XX/XX/XXXX. The intention of the XX/XX/XXXX payment was for the next billing cycle. However, I was charged a {$25.00} late fee on XX/XX/XXXX because the XX/XX/XXXX payment was not applied towards the XX/XX/XXXX statement closing. I called the credit card issuer and explained to them on XX/XX/XXXX - spoke first with representative XXXX, who declined to assist. I then escalated to XXXX 's supervisor, XXXX, who also declined to assist. I requested the bank to review my long history with them, and how I have been consistently making payments on time. I requested to appeal both their decisions, and then was transferred over to XXXX, who also declined my appeal. All 3 of them said that they could not manually apply the XX/XX/XXXX payment towards the XX/XX/XXXX due date, and they were unable to override the system generated late fee. They acknowledged they could see the double payment in the XXXX billing, but they could not refund me the late fee just because of my good intentions. I am now afraid of being reported to the credit bureaus for a late payment, which I actually was early. Perhaps too early, but now I am being penalized for paying too early.
Product: Consumer Loan

I took out a loan and was told that there was no pre-pay penalty, the loan was for {$2600.00} at a rate of about 184 %, I paid near ly two thousand in one m onth and instead of them taking the face value, they took off the back end of the loan, charging me still  $  XXXX +  a month, when I should have been charged the interest on the remaining amount. The loan wash from CashnetUsa. Help me.
Product: Student loan

I had been enrolled in an interest rate reduction program and had at least a year of eligibility left when all of a sudden I was informed that I was no longer eligible and that my payment was going up about $ 220/month.  When I called on XX/XX/19 to discuss why I was no longer eligible since my financial situation hadnt changed, I was informed that my co-signer ( my mother ) was credible and could help me pay. Now she had been my co-signer this whole time and it had been determined that since she is retired now and on a limited fixed income, that she could not help me. She is already providing child care for me to help me save some money. I dont know why she was all of a sudden considered able to help me. I had also attempted to refinance and no company would approve it since my co-signer is retired and on a fixed income.
Product: Debt collection

My mother, XXXX, XXXX, an elder, was pressured and bullied into a getting a loan that used by her nieces- XXXX XXXX XXXX and XXXX XXXX XXXX 
I discovered this loan existed last month while my mother was in the hospital. In late XXXX, I confronted XXXX XXXX about the purpose of the loan and she said that she and XXXX used it for their father who passed away. XXXX XXXX explained to me that she would take care of the loan and reach out to the creditor/collections agency to fulfill the obligations and haven't done it currently. 

Today, XX/XX/2023, a pending financial abuse complaint # XXXX ( submitted by me to the XXXX XXXX XXXX  XXXX XXXX XXXX ) has been forwarded to the law enforcement agency by my current caseworker, XXXX XXXX, for further investigation and/or consideration for charges against the perpetrators.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$5100.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Charge-Off Reporting for Account with XXXX XXXX XXXX Dear XXXX, I am writing to formally dispute an error on my credit report related to an account with XXXX XXXX XXXX ( Account Number : XXXX ). According to my credit report, this account has been reported as charged off with a balance of {$XXXX} past due as of XX/XX/year>. Additionally, the payment history reflects a charge-off status across several months. 

I believe this information is inaccurate for the following reason. The account was settled The balance shown is incorrect or This charge-off status is being reported incorrectly for multiple months. 

I request that Experian investigate this matter with XXXX XXXX XXXX and verify the accuracy of the reported information. Please provide evidence supporting the charge-off or correct the information on my credit report to reflect the accurate status of the account. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to complete your investigation within XXXX  days and provide me with the results. If the information can not be verified or is found to be inaccurate, I request that the disputed information be corrected or removed from my credit report promptly. 

Please confirm receipt of this letter and notify me once the dispute has been resolved. You may contact me directly at XXXX if additional information is needed. 

Thank you for your prompt attention to this matter. 

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

This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following accounts : XXXX ( ACCOUNT # XXXX ) XXXX BNK ( ACCOUNT # XXXX ) XXXX ( ACCOUNT # XXXX ) XXXX PREMIER ( ACCOUNT # XXXX XXXXXXXX XXXX ( ACCOUNT # XXXX ) XXXX ( ACCOUNT # XXXX ) XXXXXXXX XXXX ( ACCOUNT # XXXX XXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Mortgage

XXXX mortgage company, Mr. Cooper is withholding my insurance money for an unjust and unwarranted length of time drawing interest on my money while I am having financial burdens having paid for ALL completed repairs out of pocket. I have provided documentation for the completed repairs multiple times and they keep giving me the run around. I have left multiple prior messages for a supervisor or manager to call me back and have not received one return call. I need my money ( over {$14000.00} due to me ).
Product: Debt collection

This is my final chance giving you the opportunity to remove this debt off my credit. There is not debt that I owe. You are the company that is reporting this debt on my credit not the original creditor, so therefore it is your responsibility to remove the debt if you can not validate the debt. You have not provided the contract showing that you are representing the company to have jurisdiction to put anything on my credit. I have NOT signed a contract with you what so ever! The company that you are stating that i owe has not reported anything on my credit, and unless you have jurisdiction to do so and can prove that I owe this debt, you cant either. Again, your final warning or you will be sued!
Product: Credit card

Subject : Dispute of Affirm Loan for Non-Received Item Company Name : Affirm , Inc . 
Affirm Loan/Transaction ID : XXXX Date of Purchase : XX/XX/year> Merchant : XXXX XXXX XXXX ID : XXXX Complaint Details : I am filing this complaint against Affirm, Inc. regarding a loan I took out to purchase two items from XXXX. The items were stolen before I could take possession, and despite providing proof of non-receipt, Affirm has refused to investigate or resolve the matter. 
Upon realizing the item was stolen, I : 1. Contacted XXXX on XX/XX/year> to request a refund or replacement. They declined, stating that the order was marked as delivered by the carrier, XXXX XXXX, and per their further investigation, XXXX noted the package weighed the appropriate amount upon shipment. 
XXXX. Contacted the shipping XXXX XXXX XXXXXXXX, to file a claim. Per the XXXX XXXXXXXX representative, the package was marked as delivered, and thusly, indicated XXXX  XXXX is not responsible for the items which were not inside of the box that was delivered. 
XXXX. Notified Affirm to dispute the charge, explaining that I never received the product, noting and providing photo evidence that they box was empty upon arrival. 
4. Affirm refused to dispute the charge, stating that liability transfers once the order is marked as delivered. This response from Affirm is unacceptable, as I should not be held financially responsible for an item that I did not receive. Under the Fair Credit Billing Act ( FCBA ) and consumer protection laws, I
have the right to dispute a charge when goods are not received. Affirm has failed to provide any recourse for this fraudulent transaction and is requiring me to pay for an item I do not possess.

Furthermore, I provided proof of a second purchase of the same exact two phone items from XXXX, where I ended up having to pick the items up from within a store, further noting that I did NOT receive the initial order and that I had to re-order the items so that I would be able to provide them for my children for XXXX. 

I am requesting that Affirm : Cancel the loan associated with this purchase since I never received the item. 
Cease any attempts to collect payment while this dispute is ongoing. 
Ensure my credit score is not negatively impacted due to this dispute.

I am escalating this complaint because Affirm has failed to handle this issue properly and is violating my consumer rights. If this matter is not resolved, I am prepared to pursue legal action and report this to other regulatory agencies. 
I request that the CFPB investigate Affirms handling of disputes related to non-receipt of goods. 
Desired Resolution : Loan cancellation and removal of any associated financial liability. 
Sincerely, XXXX XXXX.
Product: Mortgage

We have been attempting to get our credit reporting updated to Paid Satisfactorily to XXXX, XXXX   and XXXX.

We are requesting acknowledgment of the payments made and the fact that we were on a forbearance period and paying back. When we accepted the forbearance for hurricane Harvey, we were told no negative reporting would occur. Texas was declared a federal natural disaster area so it made sense to us. Starting XX/XX/2017 we made good faith payments totaling at least {$9300.00}.

We did not request modifications or anything other than XXXX  to accept the payments we were making. We did not sign any documents and did not receive anything in writing. We were told over the phone the payments were applied as necessary and that the rest of the money was building up in a suspense account until we were caught up. We called in and made payments over the phone.

In summary, we paid a lump sum and continued to make large payments to keep the account current. To our knowledge, we were doing everything we were supposed to. The home was sold and the loan paid off in full. This negative reporting is causing extreme distress as we are not able to obtain a new mortgage as a result of this misunderstanding.
Product: Credit reporting or other personal consumer reports

I recent reviewed my credit report and i seen that there was an fraudulent account on my report. Please remove this account off my credit report, it is hurt my ability to to obtain credit
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX i purchased a XXXXXXXX XXXX from XXXX XXXX. On XX/XX/XXXX seller informed me that she would not ship the XXXX because paypal had limited her account banning her from accessing the payments i sent therefore she will not ship the XXXX to me. I called paypal to notify the problem on the same day. Paypal advised me to open a non receipt item case for both payments. According to paypals policy, if a seller fails respond within 10 days, a refund will be automatically processed. On XXXX it marked the 10 day limit, the {$2100.00} was automatically refunded however the other payment {$2900.00} is still being reviewed. When i called in, their reps werent able to tell me when they will release my money although it passed the 10 day limit. 

Paypal is illegally withholding my money. I am requesting a refund
Product: Debt collection

A debt validation letter was sent to IC SYSTEM on XX/XX/2020 with regard to a debt that appears on my credit report as : XXXX XXXX XXXX  XXXX : XXXX. IC System is a 3rd party debt collector, i received no goods or services from them, thus i have no contract with them to owe them anything since they bought this debt for pennies on the dollar and our trying to collect on a debt that they have no signed contract between the two of us. IC System has yet to respond to the debt validation letter that was sent to them certified mail on XX/XX/2020.
Product: Checking or savings account

DearDear CFPB Support Team, I'm XXXX XXXX and in the year 2020, I received my Pandemic Unemployment Assistance ( PUA ) benefits pursuant to the Coronavirus, Aid, Relief, and Economic Security ( CARES ) Act.The Funds were deposited to the Chime Bank account andthe email for my account was XXXX.Two weeks later after the deposit, chime closed my account without a specific reason given to that and when I requestedmy money, theydismissed my request and said they would determine whether they would mail me a check Later which they NEVER did!. 
I was nevergiven a chance tocontest or have a say on the issue but the bank chose tokick me out and took awaywith my money.If the XXXX XXXX XXXXXXXX whom I have banked with for 19 years decided they no longer wanted my business and they are going to close my account, they would be legally required to cut me a check for the remaining balance on my account in a timely manner! 

It is one thing for a bank to decide '' We do not want your kind here, please take your business/money elsewhere '' It is a lot different to decide, " We no longer want your kind here and we are keeping all your stuff/finances/money for ourselves '' .The situation is not " On a computer Network '' to make this apparent theft okay for your case while it's a violation of terms and rights in my case. 
The vast majority of Fund seizures, whether by the government or most organizations I have worked with at different positions over my long career, require official notice to the target, at least after the facts are established, and an opportunity to contest the seizure administratively and in courts. It's a pesky thing referred to as " the 5th amendment ''! If by any chance the government was requesting these actions, there would have been an independent notice to the targets. 
Chime is known for Stealing Users Funds under Vague terms and Conditions and its High time this bank got exposed and taken to Court. I am filing complaints with you as well as other government controlled Consumer agencies to report this illegal malpractice by this bank. Kindly help me recover my lost funds with this bank! 

Regards, XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, PayPal limited my account for no specific reason. I have tried to get my account back but PayPal is unwilling to cooperate. I am assuming the limitation is a mistake as my PayPal account has no unusual transactions or history. When I spoke to their customer support, the representative I spoke with agreed that there was nothing out of the ordinary with my account and that she could not identify why my account had been limited. I have not been able to get help from them so far so I have decided to file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. I am willing to cooperate with CFPB and PayPal, and will provide anything that is required to get the account back. My email linked to my PayPal is XXXX.
Product: Debt collection

I reached out to these medical collection agencies for verification of the debt as I had never received any notice of collection prior to these accounts being added to my credit report. They were in violation of my HIPPA rights as they had very personal information about my medical visits. During the time of these medical visits I had insurance and it should have been paid through the insurance company. Even then I still tried to reason with these companies and get them paid and have then removed from my credit report to no avail. The companies are Finance Systems of Toledo, XXXX XXXX XXXX, and XXXX XXXX XXXX. These are all very small collections that I would never have defaulted on.
Product: Debt collection

I received this collection letter. This account was canceled 6 months ago, and they continue to bill me for it. Disputing charges. I requested that they stop letters and phone calls.
Product: Checking or savings account

I bank with navy federal and on numerous occasions my account went into overdrafts without my knowledge. Most times it will say I have money in my account then I spend and be charged overdraft fees.
Product: Credit reporting or other personal consumer reports

XXXX you have committed a crime of fraud with your fake client from XXXX XXXX XXXX  XXXX XXXX fake SSN XXXX and XXXX. 

THE CFPB MUST FINE XXXX. 

PLEASE CONFIRM AS YOUR EMPLOYEE XXXX STATED XX/XX/XXXX AT XXXX SPOKE XXXX MINUTES SHE CALLED ME FROM XXXX XXXX PLEASE REVIEW THE PHONE CALL BEFORE YOU LIE AND SAY THIS IS A DUPLICATE. 

SHE SAID WE SENT YOU A SATISFACTORY OF MORTGAGE XX/XX/XXXX? 


XXXX PLEASE INVESTIGATE AS XXXX  WILL ALWAYS LIE
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2022, I filed a complaint against the credit bureaus credit reporting and improper use of my credit report. The bureaus response to my complaint was that they would re-investigate my consumer report for the accounts I listed as violating my rights and would respond back within 30-60 days. According to the FCRA the term investigate a consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews, with neighbors, friends, or associates of the consumer reported on or with whom he/she is acquainted or who may have knowledge concerning any such items of information. 
The credit bureaus stated that they updated/verified my accounts based on their investigation but how is that possible if they did not do a proper investigation according to the law? Also after their investigation ever piece of information on these accounts are STILL NOT reporting 100 % Accurate. I have the credit report showing all 3 bureaus reporting. I have placed an x by all of the inaccurate or missing information that shows the discrepancies amongst the 3 bureaus reporting of the following accounts : XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX XXXX # XXXX, XXXX XXXX acct # XXXX, XXXX, XXXX XXXX XXXXXXXX acct # XXXX, XXXX acct # XXXX, XXXX  acct # XXXX, XXXX  acct # XXXX, XXXX XXXX , XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX and XXXX XXXX XXXX acct # XXXX XXXX 

These accounts are STILL reporting inaccurately and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report or you send me {$1000.00} per violation.
Product: Payday loan, title loan, or personal loan

I had applied and taken out a title loan with title max, in which I go to make my payments faithfully every month never been late and had only one time where I paid it on the due date. I go to check when my next payment is due and noticed that my payoff amount isnt going down and was only showing at the time that only {$100.00} debt has been made into it when my payment is over that amount on a monthly basis so I was confused. So then i called the branch in which I had asked what was the reason for my loan amount getting higher when payments are being made and never been late nor missed? They told me that you have to pay more than your monthly amount or we get charged more fees. I then was mad and went and relooked over my agreement paperwork and seen they have my loan payoff at XXXX and change when my loan was only XXXX and the percentage rate was over 40 %. This has been absolutely awful because now I feel trapped and in fear of losing my vehicle because no matter how much I pay it off its never going down and I dont have enough to pay it off all at once otherwise I would of done that. This is just ridiculous and unfair and I think this is being done illegally and taking advantage of people to steal their cars from them.