23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

with the announcement of potential student loan forgiveness, i decided to request a refund like many others to have my balance re-instated so i could then apply for forgiveness. I originally called on XX/XX/XXXX and put in the request for a refund of {$10000.00} and even provided new banking infor for direct deposit since the payments that were made during the forebarence were from an old checking account. 

Absolute silence and no updates provided so i decided to call back XX/XX/XXXX and spoke with an XXXX XXXX at XXXXXXXX XXXX and there was no record of my refund request and had to submit a new one... i then called back at XXXX that same day since i had forgotten to provide my updated banking info. 

it's now been 3 weeks since the second request and almost XXXX since the original which there is no record of ... and absolutely XXXX update to my balance.. i am now getting worried with the higher volume of requests being made and the application for forgiveness being released this month. 

i've tried calling numerous times for an update and it is literally impossible to get through on the phone aidvantage should not be allowed to operate as a company.
Product: Credit card

I was offered a 10 % off code if, I quote you sign up for our rewards program. After signing up, they reluctantly told me it was a credit card as if they knew to lie to scam me into signing up. I didnt agree to a credit card application, I agreed to a rewards program After asking several times for clarification as to whether or not there was a hard credit check, they straight up lied and said no. 

The process of signing up on the screen didnt mention anything about a credit card either. 

Ive filed an official complaint to the Consumer Financial Protection Bureau as they lied on camera about what it was I was signing up for. 

Im also filing a complaint with XXXX Attorney General and all three credit bureaus where my credit score was impacted because these ignorant employees would rather lie than tell the truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX WI XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$94.00} ; XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX Visa Credit card : XXXX is lost/stolen. There are fraudulent charges/transactions on the account.
Product: Checking or savings account

On XX/XX/year>, I deposited an amount of {$2800.00} into my Bank of America account. This deposit was from the sale of my personal vehicle, a decision I made out of necessity, as the funds are urgently needed for medical treatment. Despite this, my account was closed abruptly and without any provided explanation or prior notice. Attempts to understand the reason behind this closure from the bank have been unsuccessful, leaving me without access to the crucial funds. This situation has not only caused significant financial distress but also impedes my ability to manage my health expenses. I urgently request a detailed explanation and immediate action to resolve this issue and restore access to my funds.
Product: Debt collection

XXXX XXXX allowed someone to fraudulently open an acct in my name. The account was opened in a state I do not reside in and an address I've never resided. I filed a police report and have previously called XXXX 's cooperate office and spoke to them. I also went into a local office and discussed this. They admitted to not having any of my personal information on file but having numerous signatures of others on the account but not mine. XXXX deleted the negative account from my credit once they knew it was not me only to sell it to a collection agency. Now, XXXX XXXX XXXX., on behalf of XXXX XXXX XXXX has placed it back on my credit and requesting funds. I disputed it online with XXXX and I was notified that I had to request a dispute in writing from the other two credit bureaus. Once the debt was verified with XXXX  via online dispute, I received a notice in the mail from XXXX XXXX , Inc. stating they are representing their client XXXX XXXX XXXX. This is the first I am hearing from either of them due to them not having any information for me which lets them know I am the wrong person. The letter states it is a collection notice and their client has agreed to accept 12 monthly payments of {$150.00} as a full and final resolution on this account. Why would I pay half of something that does not belong to me? I have sent a debt validation letter via certified mail to XXXX XXXX XXXX, but I have read online through the XXXX  that people said their letters were returned to sender from XXXX XXXX XXXX. I want this handled in a timely manner as I only get 30 days to dispute and I sent it with 10 days left to dispute. On my credit report it says this was opened by XXXX XXXX XXXX on XX/XX/XXXX. Original creditor name : XXXX XXXX XXXX. The balance is {$3400.00}. I would like this removed from my credit report as it is not my debt. There is no legal binding contract connecting me to this debt nor any of my signatures or ID. I have only had XXXX XXXX XXXX cellular service since XX/XX/XXXX. I would also like the address reported to the credit bureau in connection to this by XXXX XXXX XXXX be removed. I have never lived/resided there and there is no verification/validation that can link me there. This is all false information reported and is affecting my credit negatively.
Product: Money transfer, virtual currency, or money service

Paypal / XXXX has accepted and listed my bitcoin products to be sold on their website on the XXXX/XXXX/XXXX. 
My item was listed as NON-REFUNDABLE as it is a digital currency, after being sent to the buyer, the transaction can not be cancelled/reversed. 

I listed for a total of XXXX $ in digital currency. 

Every buyer ( 6 in total ) contacted me personally by message on ebay to provide me with their Digital Wallet address ( like an email address, to send the digital product ). After getting confirmation of purchase from ebay, paypal and the buyer, I proceed to send the bitcoin. 

The next day, I received emails from paypal telling ALL ( clear pattern here ) buyer report an 'Unauthorized Transaction ' saying their accounts were hacked.
I am not responsible for ebay/paypal ( same company ) having their data leaked and making it possible for  hackers to scam and extort sellers like myself so easily. 

Paypal has closed my 'Dispute case ' in favor of the buyer. At this point I have lost my product, and they are asking me to refund them. In other words, I have lost XXXX $ worth at the moment of product, and now they are asking me XXXX $ to refund the buyers. 

It is a common discussion online that buyer are abusing XXXX/paypal policy on refunds in order to steal digital products. Buyers simply have to claim they have been hacked. This seems to be what is happening to me and my business. 

Paypal / XXXX is responsible for their security leaks, they market their products as 'PayPal is the faster, safer way to send money, make an online payment, receive money or set up a merchant account ' but clearly they are extorting buyers from their products and money in favor of hackers / scammers.
Product: Credit card or prepaid card

Since XXXX 2017 I have applied for the Walmart card and have been denied each time. I decided to apply my last attempt by going into the store instead of online. I was denied once again. I called the bank after receiving my denial letter and informed them that I had also applied at 3 other banks and was granted cards with very high limits. I was told to send in my financials and my request of proof of the valid score of XXXX that came with the denial letter. I gathered all this information and sent it to the bank. One month later I called the bank to find out the status of my request. I was told by another rep that it is not the policy of the bank to review card requests after a denial. WHAT!!! then why have me send in all that verification? I explained once again that I opened a XXXX XXXX, XXXX and XXXX XXXX and was grated credit with high limits. How could this be possible with a fico of XXXX? something is wrong here. I have been getting the run around for 2 weeks now and no one wants to say what happened to my information that was sent in.
Product: Credit reporting or other personal consumer reports

Formal Complaint Regarding Inaccurate Reporting on Credit File I am writing to file a formal complaint regarding the inaccurate reporting of Consumer Portfolio - XXXX on my credit file. Specifically, the credit report in question repeatedly displays XXXX, and XXXX late payments with additional repeating payment statuses from the beginning of XX/XX/XXXX until this present time ( XX/XX/XXXX ), every month has a repeating payment status which are inaccuracies that negatively impact my creditworthiness. 

This marks my FOURTH request for investigation into this matter, emphasizing the serious repercussions for my financial standing. Please reference CFPB complaint XXXX XXXX, XXXX, XXXX Such inaccuracies not only breach the provisions of the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting of consumer credit information, but they also have significant repercussions. These inaccuracies unjustly extend the statute of limitations, thereby greatly impairing my ability to obtain credit in the future. This misinformation undermines my financial credibility. 

In order to avoid any delays in processing and in the interest of transparency I have added my government photo ID, Proof of address and social security card to verify my identity. Additionally I have added proof of the inaccurate payment history beginning on XX/XX/XXXX until this present time ( XX/XX/XXXX ), and the credit reporting companys prior investigations. 

Thank you for your immediate attention to this matter.
Product: Debt collection

Midland credit management threatened me to take me to court for a credit card debt from XXXX from XXXX. Its been XXXX XXXX. I told the representative I had no idea what they were referring to. I never owned a XXXX card. I requested backup. MCM refuse to provide backup. 

I honestly have no idea what theyre referring to.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Freedom Mortgage has been in receipt of my loan modification docs since XX/XX/2021. 
They have not communicated the status of my loan despite repeated calls and requests. 
They informed they had 45 days to complete the modification. 
It has been 68 days without any status update.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an installment loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, TransUnion, and XXXX only reporting me 30 days late payments. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second dispute and Looking over my credit report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). Following accounts : XXXX XXXX XXXX # XXXX, COMENITY BANK/XXXXXXXX # XXXX
Product: Credit reporting or other personal consumer reports

I'm writing this complaint because I recently disputed an account with Experian furnished by XXXX XXXX regarding the account 's accuracy and completeness reporting on my Experian credit report. This notice of dispute was submitted through Experian 's website portal on XX/XX/year> in or around XXXXXXXX XXXX XXXX along with supportive documentation. Namely, a copy of my Experian credit report with the disputed issues highlighted and a detailed dispute letter written for Experian and XXXX XXXX. I have a few disturbing issues I would like to bring to the CFPB 's attention regarding this matter. XXXX. The dispute was completed in less than XXXX hours. XXXX. The issues I brought to both Experian and XXXX XXXX 's attention was verified and labelled as 'remains ' to the unchanged concerns I raised a few hours ago, and XXXX. The Fair Credit Reporting Act 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) mandates consumer reporting agencies to conduct reasonable investigations as well as 15 U.S.C. 1681s-2b mandates Furnishers to conduct reasonable investigations and consider all relevant information in which both companies neglected to follow considering how soon the investigation was completed. XXXX. Both companies verified false, inaccurate, and misleading information that can not legally be proven to be correct. XXXX. Both companies violated the F.C.R.A. which in fact jeopardizes my livelihood. 

I do not believe Experian or XXXX XXXX conducted a reasonable investigation nor considered all relevant information as they are required to do in accordance with federal law ( the F.C.R.A. ). As a result of these occurrences, my consumer report remains unresolved, XXXX XXXX is continuing to report false and misleading information about me to Experian, and Experian failed to ensure maximum possible accuracy of the account information I disputed. I have reason to believe the investigation was rushed in a matter of negligence.
Product: Credit reporting or other personal consumer reports

This is my 6th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Credit reporting or other personal consumer reports

Reported a number of Hard inquires showing up after XXXX XXXX XXXX XXXX XXXX, even though there is a extended fraud alert on my file would not remove. I reported to the company and they stated that they do not share personal information with third parties. BALANCES PAID IN FULL PER AGREEMENT AS STATED ON 1099C, NOT DUE TO BANKRUPTCY. On XX/XX/XXXX mailed each company a written notice is regarding XXXX XXXX XXXX IRREVOCABLE TRUST to include all deviations of the same with the SSN list XXXX of XXXX, GA Birth Certificate number XXXX DOD number XXXX, passport card # XXXX and Trademark Registration # XXXX. As Executor and authorized Agent for XXXX XXXX  XXXX IRREVOCABLE TRUST, I XXXX XXXX invokes my right in regards of the Disclosure of Non Personal Public Information and defined by U.S.C., and Constitution of Republic America and per the FCRA. As a Federally Protected Consumer, I am now opting out of any and all authorization I the consumer may have given you. This includes written, unwritten, verbal, and nonverbal permission per 15 U.S. Code 6801 through 6805 effectively immediately and indefinitely. This includes any and all transaction history, any further reporting without a written agreement signed by the Executor or Trustee of this organization signed in Ink or Electronically with Email as verification and a UCC Financial Statement noting said agreement filed with Secretary of State. Further a copy of notice and said agreement must sent certified mail with XXXX XXXX XXXX return receipt address to Executor at address below.
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Product: Consumer Loan

I received a call from Argon Credit asking if I wanted to refinance my account. At first, I stated No and my husband said yes we use it for XXXX. Well that is when the nightmare begin. I received the contact on XX/XX/XXXX and I notice that it did not have any account information. I called an gave her the information and was told that the funds would be there on XX/XX/XXXX. They were not there, so I called and spoke with XXXX XXXX, she asked that I send her bank statement and voided check which I did. Then a young man called and asked for the same information, I explained that I had sent it to XXXX XXXX and he stated that she had not update and ask that I email him the documents. The next day no funds so I called and was told that it would take up to 5 days, I have never had a problem in the pass. So on XX/XX/XXXX I called and I said ok this is crazy I have been waiting since XX/XX/XXXX for the funds and you send me an email stating that the funds would be in my account on XX/XX/XXXX. I ask can we just cancel and I go back to my old agreement that I had. XXXX ask that I allow him to see what was going on and call me back. He did and told me that the bank had rejected the deposit, so I call the bank and was told that no deposit was presented my that company. So I called back and I requested a supervisor, all the time I am asking about this due date of XX/XX/XXXX which was going to be less than 30day since at this time I did not have the funds. I was told each time that once I received the funds to call back and the due date would be changed. Well the funds were finally deposited into my account on XX/XX/XXXX 11 days after this whole process started. So I called and spoke with XXXX and was told that she would call me back. She did leave a message when I called back I was told that the due date would not be change the payment is due on XX/XX/XXXX, 19 days after I received the funds. Then I am looking at the contact and it states that funds will be issue no later than 5 days after the contact since I there is a 5 day grace before late fee applies. I also notice that the interest is 59 %. Everyone that I talked to before told me that the due date would be change since it was after the 5 days and now I am being told that they are not willing to change the due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reported so inaccurately! One bureau is reporting all good payments yet the other is all charged off. I am asking for your help to investigate and remove this account.
Product: Payday loan, title loan, personal loan, or advance loan

I have been having constant issues with making Afterpay purchases receiving messages as " number of open orders exceeds open order limit '', communication and professionalism. Afterpay also displsays dishonesty when they say they will contact a consumer via phone and do not follow up. When I try to correspond via the portal, there is a misunderstanding and when I call them, I'm being given a reference number with no follow up. Starting from XX/XX/XXXX, I have received denials from various merchants such as XXXX, XXXX, XXXX, XXXX for number of open orders exceeds open order limit. I only have one active order, which is the amount of {$37.00}, and I currently have an available spending limit of {$62.00}. On XX/XX/year> via phone XXXX the rep asked if I tried to trouble shoot the app as it appears that there is a systematic error. I've done my due diligence to make payments and troubleshoot when it's necessary and I'm still being denied. I have XXXX reference numbers now with no type of resolution XXXX, XXXX, and XXXX. Upon also reporting Afterpay to the XXXX  last month, I've noticed this issue happening once I proceeded to report them and made all my necessary payments on my plan. I've been a consumer for several years with XXXX, but they have totally declined in service and aren't reliable. This has been a terrible and extremely frustrating experience.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an 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 Electric Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.