23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have calle d Sallie Mae  over 7 times in order to get the second disbursement of my loan funds for my bar exam study loan. The company told me that it would take three business days for the request to disburse the funds to go through - and that they would then send out the check. This was on   XXXX   XXXX  . I called back three business days later, and they first said they had no record of this request, but then said that the request had gone through -- - but there was no indication in their system about when or if it would disburse. I again told them that I wanted the funds disbursed to me  [  you get to choose your disbursement date ] and they said it would take another business day. I have repeatedly kept calling, asking where the funds are and what is going on, and they have  XXXX  information. They said there was a delay because of  XXXX   XXXX  ... even though I initiated this on   XXXX   XXXX  , well before that holiday, and it is now   XXXX   XXXX   The company still has the funds, they will not give me any information about my loan or when the money is coming through, and have repeatedly stated that there 's nothing else they can do for me. Except to tell me to wait three business days and call them back. I have tried to add my husband to my account, to allow him to call them as well, and have done this THREE times. Each time they take down all of his personal information, and he is never added to the account. Further, they state that there was no notes about adding him to the account and they have no record of this ever taking place. Which is concerning, because he has given out his personal information to three differen t Sallie Mae reps.  We are now concerned these individuals are stealing his personal information, which includes social security number. This company is horrific to deal with - they do not give accurate information, they do not allow you to speak to managers or anyone higher on the staffing list, they do not actually send documents or information when they state that they 're going to do so, and they currently have {$5000.00} of my funds that they refuse to disburse to me even though I am paying interest on this loan. I have never had student loans before and never dealt with a private loan company, and this is truly disgusting. They should n't even be allowed to exist or work with consumers, as they are nothing but a scam and have totally inept crooks working for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and, to my surprise, XXXX, XXXX and Transunion are reporting a lot of incorrect information. They have several incorrect personal identifiers listed in my credit file and I am requesting that they remove any information that is not completely accurate. I am seriously concerned that the information that they are incorrectly reporting may send personal mail to the wrong address and jeopardize my identity or lead to fraud if it has not already. I've been getting alerts from XXXX lock that my information is on the XXXX XXXX. Strange addresses popping up under my name.
Product: Payday loan, title loan, personal loan, or advance loan

Dear CFPB, I am writing this letter to dispute the collections payment that Net Credit say I owe them. Net Credit is saying I owe them {$3500.00}. I originally filed for a personal loan and asked for XXXX for this company XXXX XXXX. On XX/XX/year> I paid {$130.00}. On XX/XX/year> I paid {$130.00}. On XX/XX/year> I paid {$130.00}. A total of {$400.00}. Now Net credit is saying owe them {$3500.00}. I am disputing these charges because it contains inaccurate information that Net Credit is responsible for.The {$3500.00} I wish to dispute there was money false added to my credit report without my prior knowledge. If consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communications.
Product: Credit card or prepaid card

I have a personal credit card with Capital One Bank. I made a credit card payment on XX/XX/22 for {$280.00} from my Capital One checking account. The bank has placed a 26 day hold on my payment. I have no access to credit on my account. I have no ability to pay for food and gas. They should be able to verify that the funds have been withdrawn from my Capital One Checking account since its the same bank. I called the customer service line for 45 minutes. When I finally spoke to a manager he said he does not have the authority to release the 26 day credit card payment hold. I asked him to escalate my complaint to someone else who has the authority and he said there is no one else. He could not provide me with a good reason as to why my payment has a 26 day hold. He just said that the system places a hold because I made multiple payments within a short period of time. This is ludicrous. This is wrong. Please help me.
Product: Debt collection

Repeatedly calling same friends and relatives regarding my debt. Leaving messages on their phones that I am facing legal action. I called and spoke to a supervisor to request they stop calling friends and relatives but they do not stop. They have called multiple people more than 3 times. The supervisor told me that they do background checks online and they can call anyone who is listed in my background check report. I thought companies could only call third parties once and they couldnt leave messages stating I am facing legal action? The third parties did not ask them to call back, and actually asked them to never call again. But the calls keep happening. When I answer their calls their reps always threaten legal action and use intimidation tactics telling me that I have until XXXX to respond or legal action will commence immediately. This has been going on for many months. I am being harassed by a new agent every three days, as per their internal policy.
Product: Debt collection

Mrs XXXX at Island Finance frequently attempts to contact me at work after Ive told her on many occasions for months now that Im neither able to attend her calls during business hours and that my employer prohibits personal calls while on duty. Ive been clear that all communications must be made through my personal phone number and voicemail but she still insists on contacting me at work in spite of my requests. This practice is jeopardizing my employment and may in the end impact my ability to pay back my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time filing a complaint - as my first request has gone unanswered. I have asked the bureaus to supply information- in writing- so that I can review the investigation results. These accounts do not belong to me- and I have made that very clear. 

As of XX/XX/2022 - I have not even received my original request for investigation even though it shows in your system otherwise. 

Please investigate this, before I escalate to the Attorney General 's office. Thank you.
Product: Credit reporting

I have several accounts on my credit in which I have asked the creditors to " validate '' their information. Validate if I was ever late, details when, validate if a debt was mine- I just keep on getting same response : nothing. my rights under FCRA have been seriously violated. law says if a creditor can not validate/prove in 30 days of my dispute, they must remove. I am writing to you about XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I will give account numbers upon request.
Product: Vehicle loan or lease

The complain is about the services provided by XXXX, aka tXXXX 

They are advertised on the website that belongs to XXXX XXXX XXXX XXXX XXXX XXXX  as an option to refinance a car loan. False advertising includes a specific offer with a term and a rate that should follow upon approval. Once approved, I received an offer that had a significantly higher rate and included a fee that was not mentioned before. This seems to be consistent with other users as well. Please see a discussion here : XXXX XXXX XXXX XXXX  of my offer : My current loan APR : XXXX XXXX  XXXX offer on XXXX : XXXX XXXX Once approved XXXX XXXX was : XXXX XXXX ( higher that my original APR ). Also, a fee of {$690.00} would have to be paid. Additionally, when I submitted a request, nowhere was it specified that I would get a hard pull on my credit. A hard pull was created and it negatively affected my credit score. 

I would like for someone to take action against this financial institution in order to stop them from providing a false information to potential customers. A separate complain will be submitted against XXXX XXXX. 

Thank you.
Product: Payday loan

Hello CFPB, I applied online and was approved for a {$1000.00} loan from Big Picture Loans formerly known as Castle Payday on XXXX/XXXX/2016. 

At the time of accepting this loan, I agreed to what I believed was a one-time finance charge of {$350.00} to be included to the amount borrowed. 

I 'm not looking to get out of a legitimate owed debt, and had no problem paying what I believed was a one-time fee, but now realize I have been scammed, and in fear of losing thousands of dollars to these people. 

This was a precipitous fee but I agreed. What I was n't aware of, nor was it disclosed at the time of accepting the loan was that they are charging an outrageous 849.0116 % associated finance charge, and furthermore was not able to view the " Truth in Lending disclosure '' until after the loan had been processed, and the funds deposited to my account. 

They have been bleeding my banking account for month 's now in the tune of {$700.00} per month and are stating that I still owe thousands plus late fees to satisfy this original {$1000.00} loan. {$8000.00} for a {$1000.00} loan, @ 850 % Really!! 

These people are predators, and should be held accountable, and possibly sued to the fullest extent for continuing to use malicious tactics, and unfair lending practices. 

Please help, Sincerely : XXXX XXXX
Product: Money transfer, virtual currency, or money service

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 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 resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have c
aused significant inconvenience and 29 financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

XXXX, XXXX, and XXXX XXXX ( XXXX ) stated they have sued me on BEHALF of Capital One Bank N.A. However, Capital One Bank has no authority of the account as they sold it to XXXX, XXXX, XXXX XXXX, who is a debt collector which therefore means that they can not sue me on Captial One Banks behalf. This is a very shady and unethical practice by this Debt Collector as they are trying to seem as if Capital One is suing me when they are in fact NOT! 

Secondly, I ask via CERTIFIED MAIL for XXXX to provide me with the following : 1. ORIGINAL agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my ORIGINAL signature stating that I have agreed to assume the debt 3. Valid ORIGINAL copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete and ORIGINAL payment history on this account along with an accounting of all additional charges being assessed 6. Proof that XXXX, XXXX, XXXX XXXX XXXX. exhausted ALL methods to attempt to collect or settle the debt in question 7. Show me that you are licensed to collect in my state ; and 8. Your license numbers and Registered Agent Instead of sending the above, they sent me a packet of photocopied pages of statements that I have never once seen before. They also sent a photo copied letter with a hand written date on it which is not legal to do as well as told me I am not allowed to get the above information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the account XXXX XXXX XXXX account # XXXX the collection agency has re-aged this account according to the original creditor A-L Financial Account # XXXX consumer disclosure file date of first delinquency XXXXOn record until XXXX XXXX XXXX XXXX is reporting 3XX/XX/XXXX On record until XXXX on my credit report. 

Under FCRA Section 609 ( a ) ( 1 ). this is a violation I have attached a copy of my supporting documentation report with the account in question circled. Thank you for your assistance.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account XXXX XXXX XXXX Account Number : XXXX and 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 or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX XXXX XXXXXXXX ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a XXXX XXXX XXXX according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

These inquiries were unauthorized and I need these removed as soon as possible. I do not recognize these inquires on my credit reports- XXXX, XXXX, and Equifax. The following need to be removed : 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 XXXXXX/XX/XXXX. Attached is a FTC Report.
Product: Debt collection

This account should not be as much as it is and I do n't recognize this amount as being true
Product: Credit reporting or other personal consumer reports

Your Name Address City, State Zip XX/XX/2021 RE : Social Security Number : XXXX To Whom It May Concern : This is my XXXX  time writing to you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one attached. 

Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed.
Product: Debt collection

This company refuses to provide me verification and validation of debt. I am disputing this debt because i do not owe it. I have never been to this facility.
Product: Credit reporting or other personal consumer reports

This evening, I noticed that incorrect accounts have appeared on my credit report, and I have no idea why. When I checked my credit report as usual, there were unexpected discrepancies. I refreshed my browser, hoping it was just a glitch, but the incorrect accounts remained. Because of this, I request that the documents I've sent be thoroughly reviewed so I can have peace of mind.
Product: Payday loan, title loan, or personal loan

I filed a complaint previously and the company closed it. The issue is not resolved and I dont accept their response, I only knew about the interest after I took out the rest of the money. I actually still have the money and tried to pay it back with in the XXXX to avoid their exorbitant fees but they block the website from taking payments within the first XXXX XXXX forcing a customer into a store where their high pressure sales agents basically keep you from changing your mind. If you check footage of the day youll see that he just rushed through all the prompts and skipped everything. He was helping multiple people at once. Their process is digital and set up so the customer has to scroll through the information. The agent took the mouse and skipped everything.
Product: Debt collection

I finally got InTouch with them and paid them in full. Now they refused to give me a letter or remove the debt off my credit report. Even send me a letter stating that I have paid the balance. They are unwilling to remove the item from my report. They are not in agreeance to delete it from my report. It's been over 40 days that it has been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Checking or savings account

Wells Fargo has had the tendency to randomly put my deposit funds on hold because they exceed XXXX dollars. They say it's policy to hold funds over that amount but when I use another account they don't put holds. I feel either its a rule or not a rule, because it gives them their own justification base on the mood their in to execute hold on people 's account. It's never been for status of my acct. this is my 10th deposit they put a hold on a check and my notice is the next day to my email. Not during my deposit transacrion where it says my funds will be available next business day. It's been several times during my night shift hours that I submit payments at XXXX XXXX in the morning to come to read an email at XXXX in the morning that my funds are on hold. Lastly, technology is so advance, I have verified where some of my checks have been pre process with verification and deduction of funds have been made from my customers banks and Wells Fargo knows, yet they still extend hold for a full 14 calendar days. If they do this to millions of customers, they are prolonging customers withdraws ; how banks are right now, what is stopping us from thinking they are holding funds because they don't have excess funds to issue during this crisis and using holds as an excuse.