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

I had a payday loan with Cash Central on XX/XX/ that I made an arrangement to pay in four installments. I sent an email request on XX/XX/XXXX XXXX  to revoke ACH Authorization, so no further payments would be withdrawn from my account, which they confirmed the next day via an email back to me. However, the next three payments on XX/XX/XXXXXXXX XXXX XXXX and XX/XX/XXXX all withdrew from my checking account, meaning that Cash Central did not honor my ACH revoke request. I revoked my ACH Authorization, due to my recent filing for bankruptcy. 

On XX/XX/XXXX, XXXX and XXXX, I spoke with three different Cash Central agents on the phone who gave me different information regarding this. The first Cash Central agent I spoke with on the 5th told me that as long as I sent screenshots of the money that was withdrawn from my bank account, they would send me the money back. I did this, however, still did not hear back. 

The second Cash Central agent I spoke with on the XXXX named XXXX told me he would forward it to a supervisor and would reach back out to me. I did not hear back. The third agent I spoke with on the XXXX named XXXX ( who helped me with the pay in 4 arrangement originally ) said that revoking ACH Authorization was only for XXXX days, which I did not know from any of the email correspondence previously about this. 

I spoke with Cash Central / Community Choice Financial on the phone on XXXX XXXXXX/XX/XXXX and I was told that I was previously notified that there was a review that they were doing that was to take up to XXXX business days, however- I was never notified of this in the other three phone conversations I had with agents there.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing credit report I noticed that have some unauthorized hard inquiries. Please remove all listed below from all XXXX credit bureau because it effecting me in negatively. 

XXXX XXXX XXXX XXXX XXXX XXXX duplicate XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit reporting company is using deceptive practices to prevent me and other people from accessing our free credit reports. They routinely present older credit report information an will only present relevant or up to date information in a paid credit report but not the free one. 

Forcing you to subscribe monthly. Also if you don't subscribe you are penalized on your credit report and it prevents you from fair access to credit
Product: Credit reporting or other personal consumer reports

Dear, Radius Global Solutions I am writing to formally dispute the accuracy and validity of the information reported regarding my account referenced above. Pursuant to 15 U.S.C. 6801 and 15 U.S.C. 1681s-2, I request your immediate attention to this matter and demand an investigation into the inaccuracies or violations present. 

Specifically, I dispute the following : XXXX. XXXX - XXXX # : XXXX Under 15 U.S.C. 6801, financial institutions are obligated to protect consumer information and ensure its accuracy. Furthermore, under the FCRA, furnishers of information must ensure that all information they report to consumer reporting agencies is complete, accurate, and verifiable.

My Requests : Validation of the Debt : Provide documentation proving the accuracy of the reported information, including but not limited to : Original account statements. 
Details of how the charge-off was calculated. 
Records of payments and communications. 
Correction or Removal of Inaccurate Information : If you can not validate the debt or correct inaccuracies, I demand that this information be deleted from my credit reports as required under the FCRA. 

Written Response : Confirm in writing the results of your investigation, including any corrections made to my account or credit report.

Failure to address this matter promptly may constitute a violation of federal law, and I reserve the right to pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or initiating legal proceedings. 

I expect a response to this notice within the required time frame of 30 days, as mandated by the FCRA.
Product: Credit card or prepaid card

I'm recently just finding out a credit card was opened in my name with Bank of America. I see it's on my credit report. It's saying the card was opened XX/XX/2021. AND I owe a balance of {$880.00}.
Product: Credit card or prepaid card

Earlier Complaint no XXXX XXXX. ) The merchant has provided transaction receipts with my forged signature. This was brought to the attention of CapitalOne Bank. 2. ) Apart from this merchant states I was doing business with them since XX/XX/XXXX. This is false because they have sent me a welcome mail on XX/XX/XXXX. I have provided this as proof to the Bank. CapitalOne has ignored this aspect. 3. ) The merchant has refunded transactions made before XX/XX/XXXX and then blocked my user access. I do not have user access to the merchants portal since XX/XX/XXXX and they have created fake login history and transactions after that. 4. ) The merchant has provided transaction receipts with my forged signature. This is a very serious matter which Capitalone is conveniently ignoring. I have requested the bank to verify my signature. 5. ) The credit card number provided on the transaction receipt copy given to me does not match with my card. 
Capitalone has accepted the forged signature document provided by the merchant. They did not even bother to verify my signature in-spite of bringing this to their notice. 
The credit card number provided on the transaction receipt copy given to me does not match with my card. This is apart from the forged signature on the document.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my Experian credit report today, XX/XX/2022 and there are multiple incorrect addresses reported on my credit report and I would like them removed immediately. I have requested my personal information be updated using Experian 's various preferred methods without success.
Product: Credit reporting or other personal consumer reports

My account 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 XXXXSC Code 1681eb. 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. 15 USC 1666b 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!

15 USC 1666b ( 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 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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: Student loan

My loans were recently moved from XXXX to UNISA ( unisainc.com ). I was never notified of this change, I simply logged into my XXXX account one day and all information about my loan was gone. After contacting XXXX, they told me the loan was transferred to UNISA. 

After searching and failing to find what appeared to be a legitimate website for UNISA, I ended up getting a number from XXXX and called UNISA. The person answering the phone call was very unprofessional and said I must have been in the " recent '' loan moves, that 's why I did n't receive any notification ( the loan was apparently transferred over a month ago ). I was able to get an account number for the loan from the representative, which allowed me to create an account on the suspicious looking website https : //www.unisainc.comXXXX The website appears to be made in WordPress ( known for it 's many security vulnerabilities ) and did not provide the typical prompts one would expect from a legitimate loan servicer. Once registered I was able to review my loan balances and schedule a payment by entering my bank information. 

This was several days ago, I never received an email confirmation of my payment and after waiting and not seeing any change in my bank account, I attempted to log back into my account to view scheduled payments. 

After entering my credentials on the https : //www.unisainc.comXXXX XXXX, I  received an error message " Error. An error occurred while processing your request. '' with no option for a redirection. I attempted this several times with the same result. I also attempted a login with a known incorrect password and was unable to login, so I know that is not the issue. 

I am unable to view my account information now and the unprofessional design of the website and attitude of the representatives makes me concerned with the safety of my personal and financial information with this company. I also have no indications that they allowing me to make payments. 

A quick XXXX search of the company reveals numerous complaints and the lowest possible review star rating on XXXX for the company, showing I am not the only customer with these issues. I feel this should be investigated, especially for the many graduates like myself that had no choice or option who their loans and personal information would be transferred to and now have no control.
Product: Debt collection

NATIONAL RECOVERY AGEN Account # XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Checking or savings account

In XXXX of XXXX, I was expecting services for my wedding XX/XX/XXXX, I did not get those and I contacted my bank to get my money back. ( Merchant blocked me ) after 6 rebuttals and a police report, Chime said they seldom give money back if you have been scammed, the amount was for XXXX $
Product: Debt collection

Portfolio recovery bought a debt from a company that I supposed to have owed on my credit they saying that they are the original debtor that can't provide me with anything that I signed with them so it's falsely being reported on my credit and they need to remove it.
Product: Credit reporting or other personal consumer reports

Remove these inquiries, as I have no knowledge of them, and the company executed this without my approval.
Product: Debt collection

I recently looked at my credit profile and saw reports from all unauthorized accounts as listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the FCRA 15 U.S. Code 1681c2 These account shall be removed due to identity theft, The report is attached below.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several inaccuracies found on my credit report, as provided by Equifax. Upon review, I have identified incorrect personal information, including discrepancies in my date of birth, current address, and employment details. Additionally, there are multiple inaccuracies in account details across various creditors such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, among others . These discrepancies include errors in high balances, dates of last activity, reported dates, creditor types, and payment histories. 

The presence of these inaccuracies is deeply concerning as they have the potential to negatively impact my credit standing and could affect my ability to obtain future credit. I am aware of my rights under Sections 609 and 611 of the Fair Credit Reporting Act ( FCRA ) to challenge these inaccuracies and request their immediate correction to maintain my reputation for excellent financial standing. 

I urge Equifax to conduct a thorough investigation into these matters and to correct the errors promptly. I expect to receive written confirmation of the corrections made to my credit report. Your cooperation and swift action on this matter are crucial and greatly appreciated. Please contact me if you require further information or clarification on the disputes mentioned. Thank you in advance for your time and assistance in resolving these issues. I also request that the extended fraud alert to be removed from my credit profile as requested several other times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to reach a settlement for some type of medical bill that hit my credit last week but was dated back to 2015. I can tell its a small office because I kept getting the two same rude employees. The guy said his name was XXXX and the girl said her name was XXXX, but I dont believe either of them. She kept hanging up on me when I asked for a supervisor after she was refusing to give me information on the bill and wouldnt give me a settlement amount. She said, Nope, {$830.00} Im full, have a good day ( sarcastically ) and she hung up in my face. Even when I told her she was being recorded she still hung up. The guy was just as rude and when he picked up and I asked for a supervisor he transferred me to her I guess trying to be funny. I need to reach a settlement amount with this company and once its paid I need to make sure they dispute it off of my credit. The employeees there are NASTY, and those two need to be terminated. I remember the womans voice distinctively. Can someone please help me resolve this issue! I went on the BBB website they had one positive comment, and 146 complaints. And many recent. And they were complaining about the same two people! Something isnt right. The name of the company is ABILITY RECOVERY SERVICE in Wyoming, PA.
Product: Debt collection

I noticed my information was compromised including my ID, social security card info and my credit in XXXX of 2023. I ordered my credit report and noticed two XXXX XXXX accounts. I went to the XXXX XXXX XXXX XXXX police department and I received a police report for the two accounts. PLEASE have them REMOVE FROM MY CREDIT REPORT. These are fraudulent accounts and I did not authorize these accounts to be open in my name. I spoke to XXXX XXXX and they are refusing to remove the fraudulent accounts. 

XXXX XXXX : Account number : XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$5000.00} XXXX XXXX : Account number : XXXX Dare fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$1200.00}
Product: Checking or savings account

i did not give merchant permission to use my card in the month of XXXX, i called and disputed the unauthorized charges from XXXX, and bofa was to give me a provisional credit and refuse to refund my checking account I Contacted bofa and reported by phone of these fraudulent charges by XXXX. i Ask them to reverse the transaction and give me my money back. and they refused. 

please see attachment, i only authorize XXXX  to use my checking account ending in XXXX not XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently reviewing my credit report and found some inaccurate accounts. These accounts do not relate to any transactions that i have made. These accounts have been obtained fraudulently to obtain goods or services. I have already filed a complaint with the Federal Trade Commission to document being a victim of identity theft. I will also be filing a complaint with the CFPB. Please block and delete this fraudulent information per sections 15 U.S. CODE 1692 of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

This account has been submitted with OLD POLICE REPORT, NEW POLICE REPORT, FTC REPORT, INCIDENT REPORT AND MORE. It was reported inaccurate and fraud multiple times now. My identity was stolen years ago and used for employment, credit, housing and more. I am requesting your assistance in removing the following fraudulent inquiries from my credit report. Account name - XXXX Account XXXX - XXXX My dispute has been denied several times so this is a a complete LIE stating no info has been submitted or on file. The exact same info was submitted to each company on my report under the fair credit act after i received notice of fraud. You have failed to investigate properly several times and now have failed again because you are responding with false information. First progress has been delivered info several times now from the dpfb and has responded several times now with incorrect information. It has all been documented and will be reported again to the ftc. This is illegal to continue pressing this account on my record when it has been reported as blatant FRAUD several times now. I have added FTC report original, FTC Report XXXX, XXXX response XXXX XXXX, Police report, police report # and incident report from the place of business in which my identity was used for XXXX years. 

My original report was dated back to XXXX when the fraud employment started. My Identification was stolen long before that clearly.
Product: Credit card or prepaid card

Hi my name is XXXX XXXX. I love American Express. I filed the complaint to CFPB on XX/XX/21, and the response letter is attached. 

Here is the story : I applied for the AMEX platinum card on XX/XX/21 with signup bonus as XXXX for {$5000.00} spending plus XXXX for grocery and gas stations in the first 6 months for up to XXXX XXXX dollars ( screenshot evidence attached ). Over the past 6 months, I only received 1 point per dollar for the {$14000.00} grocery and gas spendings I made but not the extra 9 points per dollar. In total, AMEX owes me XXXX points by promise. 

The previous CFPB complaint ended up with a response letter which I completely disagree with. First, the sign-up bonus was confirmed with an AMEX online chat agent on XX/XX/21 ( screenshot evidence attached ). Second, the letter stated that there was a pop up window denied my eligibility of welcomes bonus, which I swear to XXXX there was none. I would NEVER proceed the application if I saw any, just because I am a normal person and I am not XXXX  or XXXX. Third, part of the welcome bonus ( XXXX bonus ) was actually issued after {$5000.00} spending requirement was met, making words in the letter against its own. 

I deeply believe I was tricked by a failure in the IT system which the IT department in AMEX was not aware of. I feel so bad to be penalized so hardly when I did nothing wrong. If AMEX can not honor the offer it was promised, I may need to further report to the Office of the Commissioner of Financial Regulation in the State of Maryland in order to get a full investigation to probe into the misleading marketing and false promotion issues. 

Yours, XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft please see the attached FTC report
Product: Credit reporting or other personal consumer reports

CarvanXXXX  and XXXX shared my personal information with multiple companies without my consent or giving me the opportunity to opt out. 
I also requested a cancellation of debt from the Trustee XXXX XXXX. 
I have sent the US code, CFR and IRS documentation to update the debt payments on my credit report.

They are abusing their power and sharing information without permission, taking advantage of their resources instead of properly using it's resources for just resolutions.
Product: Checking or savings account

on XX/XX/19 i rote a chke to myself from my XXXX chk acct and deposited it to my wells fargo chk acct. on he XX/XX/19 the funds appeared om wells aro chk acct. not wanting to leave tha much in chk acct i from wells fargo online banking transferrd funds {$2500.00} ovrt to my savings acct. XX/XX/19 i chk my online wells fargo acct which should read $ 2800+ now reads {$400.00} XXXX a direct depost from that morning. i caaled wf several times to find out where my $ $ was and everythine got a different story from several people i spoke to. MyXXXX took the {$5000.00} from my account so wells fargo has it and refuses to put in my acct saying monies are being helf but cant tell me why or tell me the monies will be avaiable on the XXXX that is not accetable t e wells fargo has STOLEN my $ $ WF phone XXXX XXXX my case # XXXX please help ive written to your agency in the pass with not return call or enail i was ignored i'm hoping you dont repeat your history with me
Product: Mortgage

I lost my job in XXXX of this year 2023. Due to unemployment payment and other savings we had on hand I was able to keep up with my mortgage payments just fine ( no lates ), until Colorado 's UI system had some kind of automatic investigation triggered on my claim and they stopped paying my UI claim in early XXXX. I know the issue will resolve itself in a few months and I am to continue filing weekly claims until they do, but I was running low on the cash necessary to pay my mortgage, so in early XXXX I contacted Village Capital & Investment, our mortgage holder, to request forbearance - hopefully starting in XXXX and lasting for just a few months. 

I called, spoke to a representative, he took my request, was very positive and helpful and said he'd submit our request, it would take a few weeks, and we got off the phone. He said nothing about an application. 

About a week later I received a letter in the mail saying my forbearance application was considered " incomplete '' because I had not submitted an application. There was no application in this mailed document. I went online through the lender 's portal and emailed requesting the application. About a week later again I received a letter in the mail saying I needed to fill out an application as was my right as an FHA loan holder, but again ... this letter did *NOT* have a forbearance application in it at all. I had tried calling the mortgage company directly and kept getting stuck in a long queue on hold, but which offered the option to " save my place in line and we will call you back ''. 

They never called me back. 

I emailed them a THIRD time on the XXXX of XXXX, this time demanding they send me the forbearance application either digitally through email or mail, because I would like my forbearance to begin in XXXX and it seems now they are stalling/stonewalling the process for some reason. They responded again with a generic : " Greetings! 

Thank you for your email. Please be advised that I have forwarded your email and concerns to Loss Mitigation management as well as the Borrower 's Relations Department ( they handle borrower concerns ) and requested that they reach out to you via phone in order to address your concerns. 

XXXX Loss Mitigation phone number XXXX ''