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

I took a loan out through cashlink usa. Ran into some financial struggles and wasn't able to pay off the loan. 
I did get sent to pre-legal for this loan. I worked out a payment plan with the attorney 's office - that was about a month ago. 
Today, I received an email from cashlink usa with the following information : First Notice of Default and Right To Cure This email in detail is telling me that I owe Cashlink Usa for the same loan that I am in pre-legal for. 
I feel that this is extremely fraudulent on their behalf. It feels as though they are double dipping on this loan. I reached out to the company who simply stated they sent this email in error. 
How is that possible when my account is now in their legal department under a payment agreement. 
I am beyond mad about this. I took responsibility when they sent me to legal and now they feel it is ok to go ahead and send me an email telling me I owe this to them again? 
Mistake or no mistake. I feel that this is a huge violation and I want a resolution to this. I am already upset about the fact that the {$700.00} loan that I was not able to pay back is now over {$3000.00} to pay back- I get it, this is on me to borrow the funds, but then you turn around and send me an email telling me this? NOOOOOOO! Not ok with this.
Product: Credit reporting or other personal consumer reports

On XXXX morning my Experian Credit report alert went off for a supposedly XXXX dollar balance that was supposedly XXXX days late. I had already paid this even though my account was paid in full on XX/XX/year>. I dont use this XXXX XXXX very often. But, I paid the XXXX dollars prior to the XXXX days bc I dont trust XXXX The XXXX I spoke to told me that she submitted some type of urgent update to totally remove the negative false information. She said in XXXX hours it should be clear. As of today it still isnt corrected. I called witch XXXX at XXXX today and she basically called the other XXXX a liar and told me to contact the credit bureaus. She was XXXX help and honestly didnt care that this is going to ruin me. I contacted Experian and things went from bad to worse. The guy was a complete jerk and told me he couldnt do anything. This is the only negative thing on my credit and it dropped my credit score from over XXXX to XXXX. I farm and Ive got XXXX term loans up for renewal in a week. My personal and business are mixed. This is going to ruin me business wise. I dont know if the bank will even renew them and this is land notes. PLEASE, help me get this removed ASAP! I filed disputes with the credit bureaus but honestly this has been a joke.
Product: Credit card or prepaid card

This complaint regards a charge dispute that was initiated with Bank of America Credit Card on XX/XX/2023 regarding a transaction that occurred on XX/XX/2023. ( See attached letter to Bank of America dated XX/XX/2023 ) The amount in dispute was of {$16.00} for services that were charged and paid in advance to merchant but were not provided by merchant because services were no longer sought or needed. I received XXXX subsequent response letters from Bank of America dated, XX/XX/2023 and XX/XX/2023 in which Bank of America requests more information about the charge and a signed document stating that the amount originally in dispute was still being disputed. ( Attached are the XXXX letters sent by Bank of America dated, XX/XX/2023 and XX/XX/2023 ) Although the information Bank of America requested from me was provided to them, as of XX/XX/2023, it has not resolved this dispute by crediting the account in the total amount in dispute.
Product: Checking or savings account

On XX/XX/XXXX I received a call from chase bank ( which I later learned the phone number was manipulated ) and a man asked me my name, confirmed my card number, and stated someone in NY was attempting to purchase {$900.00} worth at a macys which I said I did not authorize they asked for my pin which I did not give and hung up immediately. I called chase to see if they called me to which they said they did not. I received suspicious emails shortly after from a fake chase email which looked legit and I did not respond. Shortly after I noticed XXXX wine withdrew {$2400.00} from my bank account at a chase atm in XXXX XXXX. I called chase to report the unauthorized transaction and they froze the account sent me a new debit card and they didnt credit me my stolen money back. On XX/XX/XXXX I called chase and they stated the claim was closed I immediately asked how and they said someone used a digital wallet to steal my money theh credit me the money back and on XX/XX/XXXX they took the money all back and Im left with {$30.00} in my bank account. Ive been a chase customer for over 10 years. They said they closed the claim and took my hard earned money back because the criminals used a pin to access my money. They refuse to pull up footage at their own branch which would show its not me. Chase bank are thieves and dont back up their loyal customers nor protect them from theft. I have nothing now I never gave my pin our no one accessed my phone I was hacked and they could care less.
Product: Credit reporting or other personal consumer reports

I would like these inquiries removed off of my account because I did not authorize them to run my credit.
Product: Debt collection

XXXX is harassing me to pay a debt that happened in 2006.
Product: Credit reporting or other personal consumer reports

I am writing to you with great frustration and concern about the continued presence of fraudulent items on my credit report. Despite my numerous attempts to dispute these items, they persist, causing significant harm to my financial well-being. I demand immediate action to rectify this situation. 

I have initiated disputes for these fraudulent items on multiple occasions, and yet they remain on my credit report, causing distress and limiting my access to financial services. Despite providing comprehensive evidence to support my claims, there has been little to no progress in resolving this issue. 

The presence of these fraudulent items has had a severe impact on my financial life. They have significantly lowered my credit score, making it difficult for me to access loans, mortgages, and other financial opportunities. As a consumer, I have the right to an accurate and fair representation of my credit history. 

I urge you to treat this matter with the utmost seriousness and urgency. I am enduring ongoing financial difficulties due to these inaccuracies, and it is crucial that you take prompt action to correct the situation. I request the following : An immediate, comprehensive, and impartial investigation of the fraudulent items in question. 
Regular updates on the progress of the investigation. 
Immediate removal of any inaccurate or unverifiable information from my credit report. 
A formal, written explanation of the results of the investigation. 
I trust that you will address this issue promptly and effectively. Failure to do so may compel me to take legal action to protect my rights as a consumer. 

Enclosed with this letter, you will find copies of the evidence I submitted during my previous dispute attempts for your reference. Please acknowledge the receipt of this complaint within 15 days and inform me of the steps being taken to resolve this matter. Please assist me to remove these following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

PayPal was hacked, {$500.00} was taken out of my personal bank account via PayPal. It was filed as a scam, and PayPal refunded me {$500.00}. I shut down the bank account that was hacked, and now PayPal is saying I owe them {$500.00} when I do not. I would like for PayPal to stop harassing me about a refund they put into my account.
Product: Credit reporting or other personal consumer reports

I have been trying to contact American Express for weeks regarding my canceled account, but they have repeatedly refused to assist me. Every time I call, I am referred to a single phone number that either does not answer, goes to voicemail, or leads to unhelpful representatives who refuse to provide any account details or payment options. Despite leaving multiple voicemails and making numerous attempts to escalate my issue, I have been ignored, hung up on, and denied access to any meaningful resolution. 

I am trying to resolve my outstanding balance and discuss the reporting of my account to the credit bureaus, but American Express refuses to provide any assistance. I was informed that no payment plans or negotiations are available to me, which is unusual, as other creditors routinely offer options for customers in financial distress. Despite my best efforts, American Express refuses to even discuss my account status or provide me with the correct contact method for the department handling my case. 

My situation is as follows : I had a single late payment on my account due to unforeseen circumstances. I take responsibility for this, and I immediately brought my account current. 
Since then, American Express canceled my account, and I am no longer an active customer. 
Despite this, I still have an outstanding balance that I want to resolve, but Amex has made it impossible to do so. 
I have made multiple good faith attempts to contact them, but I have been denied basic account information, refused any assistance, and have been unable to speak with someone who can actually help. 

I am requesting a goodwill adjustment to remove the late payment from my credit report due to my history as a responsible cardholder before this incident. I have shown a willingness to correct my mistakes and take responsibility, but Amexs refusal to engage with me has made it impossible to resolve this properly. A goodwill adjustment would not only reflect my efforts to settle the matter but also recognize that no company should ignore a customer attempting to make things right. 

I need American Express to : XXXX. Acknowledge my repeated attempts to contact them and assign a representative who will actually assist me. 
XXXX. Provide a reasonable path forward to resolve my balance. 
XXXX. Remove the late payment from my credit report as a goodwill adjustment, given my strong payment history outside of this single incident. 
XXXX. Stop ignoring my calls and provide a direct contact method to the correct department. 

This situation has been unnecessarily frustrating and damaging to my credit. I simply want to resolve my account in good faith, but American Express is making that impossible by refusing to assist me in any meaningful way. I need immediate intervention from CFPB to ensure that Amex complies with fair business practices and allows me to settle this matter properly
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. 
XXXX XXXX XXXXXXXX account ending in XXXX, XXXX XXXX Account ending in XXXX XXXX XXXX XXXX account ending in XXXX has violated my rights. 

I looked at my XXXX credit card report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these entries were made without my authorization. My rights under the Fair Credit Reporting Act ( FCRA ) provide protections to victims of identity theft in such cases. 
Fraudulent Accounts : XXXX. XXXX - XXXX - XX/XX/XXXX - {$7400.00} XXXXXXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$370.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$370.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$1000.00} XXXXXXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$440.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$75.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$900.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$350.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$560.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX is fasely reporting a account that is related to my identity. I havent done any business nor signed any legal contacts with this company. The company refuses to validate the debt.
Product: Credit reporting or other personal consumer reports

Account charged off in XXXX of 2024 and reported as a loss yet I am still being contacted to pay off debt that was previously paid.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XX/XX/23 due to the inaccuracies on my credit report in regards to my XXXX XXXX account. There are different things reported on this account with each credit bureau. Attached is the records in regards to this. Each credit bureau should be reporting the same things.
Product: Checking or savings account

I was charged {$1000.00} from XXXX XXXX and it wasnt me who made a purchase my card info mustve been taken and my XXXX  XXXX  acccount mustve been hacked. XXXX viewd my dispute but said they will be taking the funds back out of my account after refunding.
Product: Credit card

I had a remaining balance of over XXXX that Wells Fargo would not let me transfer electronically, even to the checking account already connected to my WF account. They only offered a check via paper mail service. I requested a check on XXXX XXXXXXXX XXXX and have not received it. They originally estimated a duration of 7-10 business days and it has now been over 50. Every call to customer service has resulted in no new info. The best they said they can do is mark my issue as urgent for the " Research Team '' and promise that someone will get back to me soon. This has occurred three times, each time they push the expected window of time to get back to me another 7-14 business days. It has been two months of this. They insist there is nothing they can do, that they are experiencing a lot of failed mailings, and that there is no way to get my money back until " The Research Team '' can take a look at it. When it becomes this complicated to take money out of an institution, it becomes very suspicious. When a lot of mailings fail and they don't remedy the situation, it becomes very suspicious. It's like they do anything in their power to keep the funds internal. It is very tiring to face this kind of abuse as a consumer of limited means. 

I had planned to use the money in the time it was promised to me. When a bank like Wells Fargo fails to give someone their money for over 50 days and provides them no resolution, only ever-extending timeframes, financial damage occurs. I needed to pay a bill but Wells Fargo decided I cant have my money for 2-3 months? They are allowed to do this, why? Because they didnt use a reliable mail carrier? Because they dont have time to look into what happened? I should not have to bear the costs of Wells Fargo 's failures of service. It is willful negligence. 

I need access to the remaining balance of my account immediately. There are many resolutions to this situation ( cancel the check, give me my money back in any electronic form ) yet Wells Fargo offers none. Banks can not be allowed to take this long and make this many errors to keep customers separate from their money.
Product: Credit reporting or other personal consumer reports

Hi, My Name is XXXX XXXX. I am contacting you to inform you that I am a victim of multiple data breaches from Equifax and A Hospital therefore, I would need all of the accounts on my credit report that have been exposed, compromised, and/or illegal opened to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is in violation of the FCRA 15 USC 1681d ( b ) TransUnion has failed to disclose the nature and scope of their investigation. TransUnion failed to provide proof from the court as proof of their investigation that I requested on XX/XX/2022, in fact I provided TransUnion with proof from the court that the following account is reporting inaccurately. TransUnion has consistently violated the FCRA and provided myself and the CFPB with false and misleading information, therefore the following account must be deleted as per the FCRA, due to TransUnion failure to complete a proper investigation within 30 days : XXXX BANKRUPTCY/ DOCKET NUMBER : XXXX
Product: Debt collection

Phone companies that I have not applied for and it's showing my credit someone used my info unknowingly.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXXXXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1900.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Debt collection

This company received a letter dated XX/XX/XXXX from me requesting validation documents for account number XXXX. I did not receive any response from this company. I did not receive and validation document ( statement/bill, proof that this debt was assigned to them etc. ) This clearly is a violation of FCRA and FDCPA. Their negligence and none compliance are preventing me to acquire credit. This company is robbing me of my rights which has a great effect on me and my family financially. Attached to this complaint are copies of the letter I sent them last XX/XX/XXXX and the letter I am sending them today XX/XX/XXXX.
Product: Credit card or prepaid card

There was a delinquency in XXXX and XX/XX/2018 with my credit account through bank of america for a late payment. I was not aware. I did not receive any statements or notifications. Also my checking account was closed right before this ( by choice of Bank of America ) and this checking account ending in XXXX was linked to my credit account. When i received this information, i was under the impression that both accounts where closed ( first credit card ever ) until receiving a phone call on XX/XX/XXXX or XX/XX/XXXX stating i owed a late balance. I paid the balance in full and closed the account immediately. Also i updated the mailing address just to be safe because the one that Bank of America had was incorrect. I have never, on any account, had a late payment. I was unaware completely and was not notified. The balance was only XXXX after the XXXX interest was added twice and this is effecting me very badly as well as causing denial on applications.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, Tx XXXX To Whom It May Concern : I recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit XXXX ACCT XXXX XXXX XXXX ACCT XXXX XXXX XXXX ACCT XXXX XXXXXXXX XXXX  ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX ACCT XXXX XXXX  Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Definitions : Consumers means an individual.

Person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer.

Delete the above accounts from my consumer report, this agency is in violation of 15 USC 1681. 

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 : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX