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

I purchased a refrigerator from XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, GA XXXX on Sunday, XX/XX/2022. The refrigerator, delivery, hook up and accessory came to {$2100.00}. I did not want to get a loan for the whole amount and I knew that I would pay it off very quickly. I made an initial payment of {$700.00} ; therefore, I was only getting a loan for {$1400.00}. Today I wanted to make another payment of {$1000.00} ; however, I inadvertently made a bi-weekly payment of {$130.00} so I made a second payment of {$850.00}. The account balance did not reflect those payment amounts. When I checked my bank account they debited {$110.00} and {$760.00}. The account is also showing an early purchase amount of {$1300.00}. I engaged in a chat online with a representative of American First Finance and none of the responses make sense to me. She said that my {$700.00} is a security deposit. I was not told anything about a security deposit when I made the purchase and if you look at the receipt from the store it clearly indicates they took cash in the amount of {$700.00} and the " Lease to Own '' amount is {$1400.00}.
Product: Credit reporting

After I have provided documentation and repeated request to furnish me with documentation of verification of signatures on contracts or paperwork, the credit bureau has ignored my request to provide me with documents that their company has on file that were used to verify accounts that I disputed. Being as though they have gone past the 30 days allowed, and that they did not provide me with my contracts with my signature, they are required to promptly delete, under XXXX XXXX XXXX a ) ( XXXX XXXX ( XXXX XXXX and XXXX XXXX XXXX a ) ( XXXX ).
Product: Debt collection

During the course of dispute of this alleged debt Kirshbaum, Nanney, Keenan & Griffin, P.A. attorney XXXX XXXX asked to pull my credit report and was told no because are not a creditor of mine. However, I've learned they fraudulently pulled my credit report multiple times the last date being XX/XX/2020, through XXXX Credit bureau claiming I applied for credit for an installment loan or bank account. Please see attached documentation.
Product: Debt collection

Fake email asking for {$490.00} for " XXXX '' purchase through paypal INVOICE XXXXXXXX DETAILS Paypal Team DUE XX/XX/2022 {$490.00} Print or save Powered by XXXX  Dear Customer , Dear Customer XXXX We congratulate on your fist purchase through PayPal.We wanted to inform you that {$490.00} has been authorised by you for purchase of Bitcoin.This amount will be debited from your Bank/Credit Card/PayPal Wallet XXXX 
This charge will appear on your Bank/Credit Card statement as PAYPAL-COINBASE by next 24 hours.

If you want to report or cancel this transaction contact our customer support ( XXXX ) XXXX immediately. 
Bill to Dear Customer Terms Due on receipt Sales {$490.00} Bitcoin Purchase ( XXXX ) XXXX X {$490.00} Balance due {$490.00} Print or save Paypal Team XXXX Totters XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX XXXX If you receive an email that seems fraudulent, please check with the business owner before paying. 

XXXX XXXX XXXX All rights reserved. 
Privacy | Security | Terms of Service I have attached but did not open fake invoice
Product: Credit reporting, credit repair services, or other personal consumer reports

I picked up a XXXX in XXXX Ga 2014. The truck was a lemon. The truck made it back to XXXX and quit. I had a mechanic look at the vehicle. He stated the vehicle was a lemon and It would not haul any load because the vehicle reconditioned. The truck broke down and was towed to wrecking yard at XXXX request. I received a check from insurance company in which I then gave to XXXX XXXX for {$17000.00} I had this vehicle one day which the law allows for 30 day I believe in state of Texas. However how is it that I owe {$16000.00} on vehicle the insurance only paid half. The account does not belong to me but it belongs to XXXX XXXX XXXX and the trucking company they guided me to.
Product: Credit card

on XX/XX/XXXX I applied for a credit card through First Progress, I never received this card despite receiving an email that it was approved on XX/XX/XXXX I received an email that the First Progress credit card applied a payment to the account payment center - I do not have access to this credit card account as I've never received the card. This caused my credit to jump from XXXX to XXXX on XX/XX/XXXX I called First Progress ; the customer service line transferred me to the fraud department- they did not believe this report of fraud, it took at least XXXX minutes to convince them that this was happening. They supposedly flagged it for fraud on the transactions and froze the account on XX/XX/XXXX I received an email that my credit has decreased significantly - from XXXX to XXXX on XX/XX/XXXX I called XXXX and they had a fraud alert attached to my accounts and advised me to called a credit bureau - I have an account with XXXX so I also called them on XX/XX/XXXX Experience flagged my credit for fraud and advised sending in this fraud report As of XX/XX/XXXX, first progress said that I hadnt called or given any information as to reporting fraud - even though on XX/XX/XXXX I did- I also closed my account to them and paid whatever was owed by whoever used by card {$26.00} and was told this account was closed. As of XX/XX/XXXX, THIS ACCOUNT IS STILL BEING USED EVEN THOUGH I CALLED TO CLOSE IT IT SAYS ITS NOW AT {$290.00} with a {$99.00} overdraft fee I WANT THIS ACCOUNT CLOSED, WHY HAVENT THEY CLOSED IT? I AM NOT USING THIS AND THEY HAVE NOT CONFIRMED OR PUT DOWN ANY OF THE CALLS IVE DONE SINCE XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I submitted a transfer request from my Axos Bank XXXX XXXX accounts to my personal checking account. The amount of the transfer at that time was {$890.00}. Since then the value of the account in question has risen to just over {$900.00}. Regardless, I've been waiting on my money for over a month and even according to their own agents the transfer shouldn't take longer than 5 days. After several attempts to reach someone at Axos bank, I spoke with an agent named XXXX XXXX at Axos bank on XX/XX/2021 and was told that he would follow-up on the matter and re-adjust the transfer request to cover the increased value of the account since making the request and would follow-up with me. I've since called back 5 times and can not get through to anyone who is able to help and no one is returning my calls. I would have no need to call if they simply gave me my money which has been a pending request for over a month. 

This bank - which bought out the bank that was originally the custodian of my account has caused nothing but problems since its take over. The services have gone down hill drastically ( and the predecessor bank was a small operation ) the reporting is awful and the website they've chosen to replace the preexisting website is full of inaccuracies -- which is obviously no way for a bank to operate. Please help. This has gone on far too long. Thank you.
Product: Prepaid card

I purchased an American Express gift card on XX/XX/year> at XXXX. The amount loaded on the card was {$150.00}. I activated the card and waited several hours before attempting to use it ( as indicated on the Amex phone recording after activation ). The card was declined. I called customer service, could never speak to a person, and followed all suggestions the recording gave. I tried XXXX XXXX XXXX XXXX XXXX, and various other online retailers and it always said the card was declined. I have tried in person at XXXX, XXXX, all for various amounts and every time declined. There's no ability to speak to an actual person and I have tried their website as well. The funds are there when I check the balance, but the card is always declined.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed I have 1 late payment being reported by XXXX XXXX I notice the late payment was reported in XX/XX/2023. Please note I have excellent payment history with is company and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. Please understand as a consumer my rights were violated by the reporting of these late payments. I would like these late payments to be removed and cleared from my credit profile. 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit card

My credit card was stolen around XX/XX/XXXX and a replacement card was requested from my bank ( Bank of America ). However the suspect was able to use my original bank card while I was waiting for my new card to arrive in the mail and use it at various locations listed below without my consent for a total charge of {$1000.00} The amount was posted to my credit card account on XX/XX/XXXX. 
XX/XX/XXXX - XXXX XXXX {$140.00} XX/XX/XXXX - XXXX XXXX XXXX {$270.00} XX/XX/XXXX - XXXX XXXX XXXX {$64.00} XX/XX/XXXX - XXXX XXXX {$160.00} XX/XX/XXXX - XXXX {$200.00} XX/XX/XXXX - XXXX XXXX {$110.00} XX/XX/XXXX - XXXX XXXX {$78.00} I filed a fraud claim to the bank on XX/XX/XXXX but it was rejected and the amount was still posted to my account. The reason was " The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' I called customer service again on XX/XX/XXXX to dispute this result because my card was stolen and I did not make these transactions but they would not allow me to file a new claim or reopen the older claim. I have filed police reports because my card was indeed stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I reported to TransUnion on XX/XX/XXXX. Unfortunately, TransUnion has not responded to my inquiry, and the following discrepancies remain unresolved. I am seeking your assistance in addressing these issues and ensuring compliance with federal law. 

The inaccurate information on my credit report pertains to the following accounts : XXXX XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$2800.00} XXXX  XXXX Opened : XXXX XXXX, XXXX Balance : {$710.00} XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$8500.00} XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$3500.00} XXXX Opened : XXXX XXXX, XXXX Balance : {$100.00} XXXX XXXX XXXX  Opened : XXXX. XXXX, XXXX Balance : {$770.00} XXXX XXXXXXXX ( late payment inaccuracy ) Opened : XXXX. XXXX, XXXX Balance : {$260.00} For each of these accounts, I dispute the accuracy of the reported information and request the necessary corrections to be made on my credit report. The details of each account are as follows : XXXX XXXX XXXX XXXX : This account does not belong to me, and I have no association with it. Therefore, I request that TransUnion removes this account from my credit report, as it is inaccurately listed. 

XXXX XXXX : I do not have any account with XXXX  XXXX, and thus, it should not be present on my credit report. I request that TransUnion removes this account from my credit report, as it is inaccurately listed. 

XXXXXXXX XXXX  : I have never had an account with XXXXXXXX XXXX, and therefore, it should not be included on my credit report. I request that TransUnion removes this account from my credit report, as it is inaccurately listed. 

XXXX XXXX - XXXXXXXX XXXX XXXXXXXX : I have no affiliation with XXXX XXXX - XXXX XXXX XXXX  and do not recognize this account. I request that TransUnion removes this account from my credit report, as it is inaccurately listed. 

XXXX XXXX XXXX : I have no knowledge of or connection to XXXX XXXX XXXX, and thus, it should not be reported on my credit file. I request that TransUnion removes this account from my credit report, as it is inaccurately listed. 

XXXX : I have no relationship or agreement with XXXX, and this account should not be associated with my credit report. I request that TransUnion removes this account from my credit report, as it is inaccurately listed. 

XXXX XXXX XXXX : I am not familiar with XXXX XXXX XXXX  and do not have any account with them. I request that TransUnion removes this account from my credit report, as it is inaccurately listed. 

XXXX XXXX ( late payment inaccuracy ) : TransUnion incorrectly reports that this account had a late payment. However, I can confirm that this information is inaccurate. I request that TransUnion corrects or updates this inaccurate information on my credit report accordingly.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

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

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX # XXXX  XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; DEPT OF ED / XXXX XXXX  Balance : {$0.00} ; DEPT OF ED / XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$4300.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$66000.00} ; US DEPARTMENT OF EDU XXXXXXXX Balance : {$3600.00} ; US DEPARTMENT OF EDU XXXX Balance : {$2900.00}. 

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

Dear Sir or Madam : I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 

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

Hello I wan na make a complaint for the Financial institution chime. on XX/XX/XXXX i filed a dispute Regarding Multiple unauthorized transactions. to unknown recipients the total amount was XXXX dollar 's that was taken and was sent On the pay any one features to these Recipients. It ooccurred in XX/XX/XXXX More unauthorize transactions continued on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX To XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX For about 2 month 's I was unaware of this. I didn't have my bank notification enabled. the company chime did Investigate the case But unfortunately they closed it and Email me that there was no error that occurred Therefore no funds will be Credited to your account Unbelievable. what happened is that a Person that I knew Had stolen my second phone. her name was XXXX she knew the passcode to login to my account Since i Trusted her i would let her buy little stuff Like Games on XXXX, accessories on XXXX app. But that's it. After I Got off work I tried to find my second phone Anywhere in my house I thought I put it. i then check my first phone To check my account on chime couldn't believe When I saw my checking account it was XXXX all my hard earned money was Send to these recipients. About XXXX dollars! Was taken. Please you have to help me i'm so sad chime keeps declining this case. Please try to help me!
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX : Non-payment for Data Breach Settlement Claim Number : XXXX Dear Equifax Data Breach Settlement XXXX, I am writing to express my deep concern regarding the status of my claim for the Equifax Data Breach Settlement XXXX I submitted my claim under Claim Number XXXX, and to date, I have not received any payment or documentation regarding the outcome of my claim. 

It is my understanding that I was impacted by the XXXX Equifax Data Breach, which exposed the personal information of approximately XXXX XXXX consumers, including mine. As such, I am entitled to compensation under the terms of the settlement. However, I have not received any notification regarding the outcome of my claim, nor any payment that should have been issued as part of the settlement. 

Equifaxs failure to issue payment or provide me with documentation is not only frustrating but also indicative of a breach of my rights as a consumer. The Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681 ), the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S. Code 1692 ), and other federal consumer protection laws require that organizations like Equifax handle consumer data with transparency, integrity, and in compliance with the law. 

Furthermore, the Federal Trade Commission ( FTC ) regulations surrounding data protection have been violated in this case. Equifaxs handling of my personal information and the failure to compensate me for this breach may constitute a violation of my consumer protection rights, and I am now questioning the trustworthiness of Equifax 's reporting and adherence to the law.

In addition to FCRA and FDCPA, the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to protect the confidentiality and security of consumer financial information. Equifaxs lack of payment and response regarding my claim constitutes a failure to protect my information and the potential violation of privacy rights.

I strongly request that you take immediate action to review my claim and provide proof of the settlements payment or the necessary documentation regarding the outcome. As of now, Equifaxs failure to act has severely impacted my trust in your ability to accurately handle and report sensitive personal information. I demand that you provide a resolution to this matter without further delay. 

Failure to address this issue will leave me with no choice but to escalate this matter to relevant regulatory bodies, including the Consumer Financial Protection Bureau ( CFPB ), FTC, and state attorneys general for further investigation into these violations. 

Please let me know how I can assist in providing additional information or supporting documentation. I expect prompt communication and resolution to restore the trust that has been broken by this oversight.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

This complaint against XXXX is in reference to them failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, XXXX consistently responds within 24 hours, verifying the account as accurate without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

The accounts for this complain are below : XXXX XXXX XXXX XXXX XXXX Confirmation # XXXX Individual Account Number : XXXX Amount : {$1300.00} Collection Reported : XX/XX/year> The reason you disputed this item : This is not my collection. 
The results are : VERIFIED AS REPORTED XXXX XXXX XXXX XXXXXXXX Individual Account Number : XXXX Original Creditor : XXXX  XXXX XXXX Balance as of XX/XX/year> : {$440.00} Collection Reported : XX/XX/year> XXXX  XXXX XXXX, XXXX Individual Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance as of XX/XX/year> : {$2400.00} Collection Reported : XX/XX/year> * I did not receive any correspondence for this dispute.