23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

The amount was loan was 800 and the repayment is over 1,000. They call my family and friends even my job. They showed up at my home when I wasnt home. They call nonstop.
Product: Debt collection

Last XX/XX/2022. Synchrony bank charged {$180.00} no reason. I called PayPal affiliated synchrony bank. I have never received a product. I found out PayPaXXXX agent told me not to pay anything because of scammer using my PayPal account somehow. Synchrony bank is stubbornly charged me more $ $ without receiving a product first. Thank you reading my concerned message. I am XXXX and legally XXXX.
Product: Money transfer, virtual currency, or money service

I was not refunded for unauthorized transaction on the Cash App platform on the following dates XXXX in the amount of {$70.00}, on XX/XX/XXXX I was defrauded out of {$1100.00} for services not provided by Cash App user when speaking with Cash App customer service regarding this transaction they told me I had to speak to by bank about the refund and was later found out that Cash App declined the refund of the transaction. On XX/XX/XXXX an unauthorized transaction of {$150.00} was sent for requesting payment for trailer instead the amount was deducted from my account and Cash App refused to cancel and return the transaction. 

A total amount of {$1400.00} is being requested for damages caused by the Cash App platform. I want this amount to be returned to me immediately.
Product: Credit reporting

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : N/A XXXX XXXX XXXX XXXX {$440.00} COLL {$440.00} - {$440.00} - - - XXXX XXXX XXXX XXXX XXXX {$200.00} COLL {$200.00} - {$200.00} - - - XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Student loan

I 've been trying to get put into an income based repayment from them for over 6 months. My other loan servicer XXXX has had no problem doing this. But Navient seems to continuously lose my info. I have mailed them my application and pay stubs twice already, but I just received my first notice of delinquency from them. I am more than happy to pay based on income, but it 's like they are just ignoring it. I do n't need a delinquency on my credit report, but every time I call all they do is say they 'll put me on a 3 month deferrment and process my paperwork, then they just wo n't process my paperwork. Meanwhile, while i 'm on deferment the interest just keeps freaking adding up. On a sidenote, it would have been nice I could have been using this for the past 7 XXXX years, but every time i called they would just put me on a deferment and let me be on my way.
Product: Credit reporting, credit repair services, or other personal consumer reports

EquiFax 's Company Response to my complaint : " In review, the identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number. Listed below are examples of documents that may be provided as verification of your identification and current address : Pay stub or W2 with complete U.S. social security number, valid social security card, Driver 's license, rental/lease agreement/house deed, mortgage or bank statement, utility bill for gas, cable or residential telephone bill. Please return this letter along with the requested information to Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX. '' 1 ) I have not received a copy of my Annual Credit Report in the mail as promised. 

2 ) They are claiming that they do not have copies of my ID in order to provide my Credit Reports and respond to Disputes. I have sent it multiple times with each communication to them. 

3 ) I need to be able to get copies of my Annual Credit Reports and Covid-19 Weekly Reports on-line, which I am currently unable to do on XXXX. 

They need to fix the 3 questions that they ask in order for me to access my Credit Reports. It is currently set up to ask me 3 questions, which all have to be answered with " None of the Above ''. When all 3 questions do not have an actual answer, it doesn't let you get your reports. 

EquiFax has all of my personal information available to them, so there is no excuse why they can not find at least one question that they can provide, that I can actually answer with the answer choices provided, in order therefore get a copy of my Credit Report on-line. 

I need them to fix this At Once.
Product: Checking or savings account

I have an upgrade checking account # XXXX. Recently I had two issues using my debit card that required filing a dispute with Upgrade. The two merchants I filed disputes against were XXXX and XXXX. After filing the disputes I called to check the status and was told that both disputes had been closed and that I had lost them. The reasons I was given for losing the disputes was that XXXX claimed I never reached out to them with any issues regarding the order I had disputed and that XXXX is a per to per money transfer service thus not eligible for the dispute process. I am filing this complaint today because neither of those claims made by Upgrade are accurate and although I requested that my disputes be re-opened I have not been given an opportunity to share the information relevant to these disputes. Regarding XXXX, I most certainly did contact them the day of the order with a detailed list of what was wrong with the order - including the fact that my XXXX XXXXXXXX prevented me from being able to eat the incorrect items. XXXX denied my request for a refund and my XXXX account is documented of this contact. I have attached a screenshot of that documentation from XXXX to this complaint. Regarding XXXX, the merchant is not a per-to-per money transfer service. XXXX is one of the largest cryptocurrency purchasing platforms that exist. A simple visit to moonpays website will show this. I disputed the transactions with XXXX because I purchased a commodity ( cryptocurrency ) that was never delivered. XXXX is eligible for the dispute process.
Product: Mortgage

I applied for a home equity on XX/XX/2018 and received the loan on XX/XX/2018. On XX/XX/2018 I was issued a closing disclosure that stated no prepayment penalty on the loan. Now I have learned there is a prepayment penalty on the loan. If I knew this upfront on the closing disclosure I would have never closed. Because of this bait and switch, I was forced to close on a loan with different attributes than on the closing disclosure. I would like all interest paid returned and the prepayment fee waived and allow me to pay of the loan without penalty as on the closing disclosure.
Product: Mortgage

I have been working on this issue for 7 years, you helped get some records from US Bank however they did not provide some very pertinent records that would corroborate their position that my father requested the XXXX Line of Credit be left open. What the provided CFPB with was the original LOC he signed in XXXX. US Bank did not provide the copy of a signed application for his XXXX LOC to be left open. I asked for a copy of the document. I asked because there was not such a document in his papers, I asked him if he asked for it to be left open and he said paid off. I can no longer ask him because he passed away XX/XX/XXXX at XXXX. The bank agent in Loss Prevention said the account is marked closed in the bank files with his XXXX LOC he opened to pay it off. 
However, the XXXX LOC was left open and XXXX went out of it and my dad was saddled with this debt by US Bank saying he asked it to be left open. It broke him, he spent his last years broke and paying every dime of his Social security to this unauthorized LOC. I became his care provider and had to pay his bills that he couldn't as well as my own. His SSN was deposited and then automatically debited by US Bank to pay his legitimate XXXX LOC as well as the fraudulent newly created XXXX LOC. He did not sign any application for his XXXX LOC to be left open and he did not get any funds from it. Yet it was debited out of his checking account and supposedly paid to a closed account every month until his death. I asked the XXXX Police Department to file a Fraud charge against US Bank, I have asked Legal Aid to help with this issue. I asked CFPB to get the copies of the original signed documents. You sent me what US Bank provided you but you were given what documents they had, You did not send me a document with my father 's signature asking for the XXXX Line of Credit to be left open after it was paid off in XXXX of XXXX. Please, ask the bank where the application or request is that they debited his account monthly. They did send the payment history for the account but it is based on the XXXX LOC he paid off in XXXX with the LOC he took out to do that exact payoff. Somebody took advantage and exploited an XXXX year old vulnerable senior citizen causing his quality of life to take a downward spiral. Thank you
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I filed a formal report with the FTC. I provided the complaint and request to Experian, they refused to take the complaint at first. Then I had to go to a their website and upload documents to their site and wait for them to process it, exceeding the 4 day term they are allowed. Then tney followed up with an email stating they aren't going to except the complaint. Both XXXX and XXXX have excepted the paper work and removed the information from my report. When I called today they refused to answer any questions, or give me someone who understood the situation or what I was asking. The rep told me they were not in the XXXX so I asked ot be transfered to someone in the XXXX and they told me they aren't able to do that.
Product: Checking or savings account

America first credit union is automatically switching all checking accounts to a paid premium amount. We have be to call in to opt out of the automatic $ XXXX monthly charge.
Product: Mortgage

In XX/XX/2020, I started the refinance process in NY with Mr. Cooper ( formerly Nationstar ). The loan officer XXXX XXXX provided me a loan estimate with a 3.25 % interest rate after a 1 % point purchase without my knowledge. After a few months of them processing the loan, closing was scheduled in XX/XX/2020. I learned of the average interest rate at that time and realized they were charging me a much higher interest. I received a loan estimate from another bank, and they offered me 2.75 % with 0 points. I brought this to the attention of my loan officer and he said company will match it with extra {$500.00} fee. I then asked him if the original points would be removed from the loan and he said no. I was forced to buy points without my consent for an interest rate much higher than the average. Then when he said he would match the other bank 's offer, he refused to remove the points but only matched the interest rate to 2.75 %. Why am I forced to still buy points if my interest rate is not going to be brought any lower?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Sunday, XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX Subject : Unauthorized Credit Reporting Without Consent Dear Sir/Madam, I am writing to dispute unauthorized credit reporting that has appeared on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX. 

Under 15 U.S. Code 1681b ( 2 ), consumer reporting agencies are required to obtain the consumer 's written consent before including certain information in their credit report. I have never provided such consent for the information that is currently being reported by your agency. 
also of several occasion I am reprevented from access of my credifile online. I have been waiting for a resolution for over 90 days. 
Details of Disputed Entries : Creditor Name : XXXX XXXX XXXX XXXX Account Numbers : XXXX Amount : {$2800.00} Dates of Unauthorized Reporting : XXXX, XXXX XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX Since I never gave consent for this information to be reported, I am requesting that these entries be removed from my credit report immediately. Please take the necessary actions to investigate this matter and correct my credit report accordingly. 

Additionally, I request written confirmation that these entries have been removed from my credit report and that you have informed the creditors involved about the removal due to lack of consent. 

Thank you for your prompt attention to this serious matter. Should you need any further information or documentation, please do not hesitate to contact me. 

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

In accordance with the fair credit reporting act XXXX XXXX account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a divorce and my husband kept the home because it was in his name.. he was given XXXX of the money from a savings to cover back payment and the mortgage was assigned to him.. he filed bankruptcy but they are still reporting it as my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Verify Method of Verification. 

CFPB Complaint was submitted and the response was received in Report # XXXX Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX XXXX   XXXX XXXX - Account : XXXX. 
Creditor : XXXX XXXX XXXX Account : XXXX .... 
Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX
Product: Credit reporting or other personal consumer reports

A utility account has been fraudulently applied to my credit profile. The account is dated for XXXX of 2023 in the amount of {$190.00}. The company refuses to listen to reasoning that the account is fraudulent.
Product: Debt collection

This is XXXX XXXX with new & updated information about my previous complaint XXXX. I am demanding that NRA Group LLC comply with the CFBP executive order & delete this alleged medical debt from my consumer report immediately. Failure to comply with the executive order may result in legal action pursuant to 15 USC 1692k for non-compliance.
Product: Student loan

I am a recipient of a NIH Loan Repayment Program grant, which pays $ XXXX of my medical school student loans debt every 3 months to Mohela XXXX XX/XX/XXXX through XX/XX/XXXX. I am on a Pay As You Earn repayment plan, which currently has my monthly payments set ~ {$200.00}. Prior to Mohela switching servicing platforms this past summer in XXXX, my loans would all state " Paid Ahead '' with the next due date listed as many years in advance. Now, despite the fact that a {$10000.00} payment was made by the NIH to Mohela at the end of XX/XX/XXXX, Mohela states that I owe another ~ {$200.00} payment on XX/XX/XXXX. I have sent a message and have tried to call many times. Most recently, yesterday, I was on hold for XXXX minutes prior to being cut off when the initial agent tried to transfer me to a supervisor. Then, I called back and was on hold for another XXXX minutes back before the " transfer '', after which I was on hold for an additional XXXX minutes prior to the call being disconnected, presumably because the Mohela office had closed for the day. I have submitted a complaint through FSA. This is infuriating. There is an error on their part, and because I can not get in contact with anyone, I will need to pay what is supposedly " due '' in XXXX or have a hit to my credit score. I should note, I have many colleagues with the same NIH LRP grant, so I do know for a fact that Mohela has made an error.
Product: Debt collection

Back in 2021, I paid the original creditor what was owed. I reached out to CREDIT COLLECTION SERVICES to remove the outdated information from my report. They did not. I then filed a complaint via CFPB website regarding CREDIT COLLECTION SERVICES needing to remove the collection from my credit report. CREDIT COLLECTION SERVICES stated that the removal would be made, however, it wasn't. CREDIT COLLECTION SERVICES is still present in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently during the pandemic fell behind on my payments due to financial hardship and the fact I just had a child. Prior to my initial missed payments I had a good payment history and even after those missed payments I kept up with payments. The payment that was missed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were only due to a real natural hardship and the pandemic that took place and I beg that you forgive them being that I have good track record and the account is already considered paid and closed. The missed payments are also affecting my ability to obtain more credit and is hurting my financial reputation.
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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX ** has violated my rights. Or list of inquiries 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 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

XXXX and TransUnion repeatedly reports these fraudulently accounts on my credit report after it has been removed from XXXX, I have been trying numerous of times to get verification from XXXX and TransUnion to remove these fraudulent accounts as follows : XXXX XXXX # XXXX XXXX XXXXt # XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXXXXXX XXXX Balance : {$550.00} XXXX XXXXXXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$3400.00}
Product: Debt collection

Harley Davidson is reporting a collection of/ charge off trade line to my credit bureaus. Under federal law and FCRA, I never received and written collection notice nor any written validation of debt. I am XXXX XXXX XXXX XXXXXXXX under the Compassionate Allowance Lists for Rare Diseases diagnosed with XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. I became fully XXXX in XX/XX/XXXX. I can not XXXX XXXX XXXX I have disputed this older tradeline to the credit bureaus but since XXXX XXXX pays to report the trade line to the credit bureaus they side with each other rather than providing documentation of debt to a XXXX XXXX XXXXXXXX Person. Since my disease is often triggered by stress which this is causing, I get excruciating XXXX  that eventually develop XXXX XXXX XXXX Under the XXXX ( XXXX XXXX XXXX XXXX, I ascert my right as a XXXX person attempting to dispute this debt. Hopefully, I do not have to file an XXXX complaint too.