23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

GLA collections is the collector XXXX XXXX  in XXXX ky is who the original debt originated from XXXX XXXX  damaged my home with intoxicated and unlicensed plumbers who caused additional water damage to my home. In addition, they have been unresponsible to my desire to file an insurance claim or settle the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.XXXX XXXX {$12000.00} DEPTEDXXXX   XXXX {$10000.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX   XXXX {$1200.00}
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 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 XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I originally took out a loan with Regional Finance, a second-hand loan company. The original loan amount was XXXX and later on I added XXXX, which totaled my loan to be around XXXX. I started paying on this loan around 2019, and it was supposed to be for 60 months at a 33 % rate. I made several payments on this loan, more than what I borrowed from this company. I know the interest rate was high, however, I never knew it would cost me twice as much. I then contacted the company to explain my concerns, but never got a direct answer. The only answer that was given was, " We are short-staffed and whoever did your loan did something wrong ''. I was told that after 12 months I could refinance the loan for a lower interest rate, well I did and that was false. Needless to say, I continued paying on the loan, but recently I fell on hard times and tried to refinance once again for a lower interest rate, along with wanting the company to explain to me why the loan balance was not decreasing. The company replied, " You have paid more on this loan than you borrowed '' SO the company tried to refinance once again, and this time they did, however for a new loan in the amount of XXXX. I am trying to figure out, how did they get that figure.
Product: Debt collection

There was a previous complaint submitted that reported that AFNI did not provide sufficient validation of a debt reported owed. Upon receipt of this complaint, AFNI ceased reporting of the collection account and finally provided " validation '', however per FDCPA a copy of a billing statement is NOT sufficient validation. There are no documents supporting a contract between myself and AFNI.
Product: Credit card or prepaid card

On XX/XX/XXXX I've purchased a product from a third party on XXXX for {$960.00}. After 30 Days, the product was not delivered, so I tried multiple times to get it. After 15 days I gave up, bought a similar product in another place, and cancelled my order with XXXX. Because it was an expensive item, and the third party vendor didn't act in a reliable way, I've open a dispute on Citi Double Cash Credit Card. 

Initially, Citi gave me a provisional refund, after I sent the documentation from XXXX proving that on XX/XX/XXXX the money was refunded back to Citi 's Credit Card. For my surprise after 15 days of their " internal investigation team 's '' work, the refund was removed from my account. 

After that we started a monthly process were I called them again, resent the proof, got the provisional refund and that it was removed again. This has been dragging since XXXX. 

On XX/XX/XXXX this {$960.00} was paid in full along with the rest of the credit card 's balance. In the attempt to get my money back from Citi, once XXXX did it's part, I was able to get the banking transaction ID and sent it to Citi Double Cash Credit Card on XX/XX/XXXX. 

It is unbelievable that Citi doesn't have a single place in their website or e-mail to place a complaint. Either you chat online with a robot that takes you nowhere, or call the XXXX number to get the same result over and over again. 

Citi 's dispute process has proven to be so inefficient and not consumer friendly, that I've decided to place this complaint with the CFBP that is very well respected, hoping that we can get a quick and friendly resolution.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Hello- I purchased my home in XX/XX/XXXX, during that time the mortgage company made a mistake and did not apply the interest rate that was agreed upon. Therefore, I had to pay more in closing. The mortgage broker XXXX XXXX sent me an email acknowledging her mistake and stated that I would be created the difference which was about ~ {$800.00}. Since that time ( XX/XX/XXXX ) I have reached out to the mortgage company and XXXX several times and was promised that the check was issued. I never received the check. You can see in the attachment in XX/XX/XXXX, I was once again told that the check was issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/2017, I attempted to freeze my credit on Experian 's website. Was told without reason that it was unable to do so. However, the {$3.00} processing fee was accepted and processed via my credit card as I received a notification of this on my cell phone. I want to know : 1 ) Specifically why my request to freeze my credit did not work, given the same information was provided to both XXXX and XXXX and they were able to freeze my credit immediately, and 2 ) Why, if Experian was not able to freeze my credit, was the {$3.00} fee accepted? 
3 ) Why is there no Experian phone number to call for questions. All that was provided was a PO box where to send additional documentation. 

Entire excerpt of what I received after attempting to freeze my credit via their website : " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. 

Sending us your information To request a security freeze, send all of the requested information via certified or regular mail to Experian Security Freeze, P.O. Box XXXX, XXXX, TX XXXX. Include your full name, with middle initial and generation, such as JR, SR, II, III, etc. ; Social Security number ; date of birth ( month, day and year ) ; current address, previous addresses for the past two years and any applicable fee as indicated below. If you are a victim of identity theft and submit a valid investigative or incident report or complaint with a law enforcement agency, the fee will be waived. In addition, enclose one copy of a government issued identification card, such as a drivers license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof. To protect your personal identification information, Experian does not return correspondence sent to us. 
Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request electronically at XXXX. We will send you a confirmation notice once the security freeze has been added, and you will be given a personal identification number ( PIN ) that will be required in order to remove the freeze temporarily ( in order to apply for credit or for any transaction that requires that another party access your personal credit report ) or permanently. 

If you are paying for a security freeze placement, enclose your check or money order for {$3.00}. 

Mail this form, along with payment ( if applicable ) to : Experian Security Freeze PO Box XXXX XXXX, TX XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

The current status is all wrong and is greatly affecting my credit profile. Please correct/update this inaccurate information on my credit report. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Transunion three times now. Regarding the open status shown with my XXXX   XXXX credit card. It was closed last year with my Chapter XXXX bankruptcy. It still shows open over a year and a half later. Regardless of multiple contacts I've made to Transunion and XXXX XXXX. Neither company has taken action to correct it, although both have made promises to do so. This is a clear violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICITM OF IDENTITY THEFT, I HAVE REACHED OUT TO THE BUREAUS NUMEROUS TIMES AND REQUESTED FOR THE FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY. I HAVE SENT MY IDENTITY THEFT REPORT TO THE BUREAUS AND DIRECTLY TO THE CREDITOR. WHAT I DON'T UNDERSTAND IS WHY DO I KEEP SENDING TO THE MY IDENTITY HTEFT REPORT IF THEY ARE NOT GOING TO HONOR ANYTHING, MY STORY IS THE SAME, I AM VICITM AND I NEED THE BUREAUS TO UNDERSTAND THAT. I AM VICITM, I AM VICTIM, THIS FRAUDULENT ACCOUNT NEEDS TO REMOVED.
Product: Checking or savings account

Checking account is being closed do to suspicious activity on account.
Product: Vehicle loan or lease

My car was repossessed XX/XX/year>XXXX  with balance of {$7500.00}. Car sold XX/XX/year>XXXX  for {$5600.00}. I asked for the difference. Exeter Finance said I would have to pay {$7500.00}. I said I was responsible for the difference which would be {$1900.00}. They said if I payed a lump sum for {$4600.00} within 10 days they send a letter than I wouldn't owe the {$7500.00}. I told them I should only have to pay the difference and they said no. I asked for an itemized statement for everything pertaining to my car and they won't provide the information. How can they charge more than the difference
Product: Credit reporting or other personal consumer reports

I used the XXXX app to make the payoff quote of {$1900.00} on XX/XX/XXXX. 
I called in and spoke to a rep on the XXXX to confirm that no additional amount was due and to close the account. The rep said no additional amount was owed and closed the account. 
I later get a statement in the mail that says {$7.00} is due on the account by XX/XX/XXXX. ( I did not open this envelope until last week as I thought it was junk mail/advertisements asking me to come back as a customer. ) I called on XX/XX/XXXX and was hung up on ( or the call just mysteriously disconnected ) by XXXX and another rep before calling in a third time to be transferred to XXXX who said he listened to the call and verified that the rep back on XX/XX/XXXX understood my intentions were to payoff the account, close it, and not owe any additional amounts. 
XXXX said that I now owed {$8.00}. 
I told him that I didn't mind paying the amount if that's what I owed but was never told about it and didnt think it was right for XXXX to cause my XXXX score to drop more than XXXX points since then to now as a result of reporting the account as delinquent. 
BE REASONABLE FOR A MOMENT : Ive never had a late payment with XXXX, so based on my past payment history, if I owed another {$8.00} ( or however much it was at the time ) would I not pay that too after paying such a large some in contrast ( {$1900.00} ) and closing the account? 
You would think this would prompt the company to call or email but they never did. 
XXXX said even though I was told I didnt owe anything back on XX/XX/XXXX, I still had to pay the amount and there was nothing XXXX would do about repairing my XXXX score. 
After waiting on hold for more than 40 minutes, I paid the {$8.00} with XXXX over the phone. 
How do I know another six months from now I wont receive a new statement saying I owe {$5.00}? 
This is EXTORTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

We Have contacted Experian, XXXX, XXXX on numerous occasions informing them of false reporting. Fraudulent inquires most recently by XXXX XXXX which set off a chain reaction by several other finance companies. We contacted XXXX XXXX in addition to Experian and the others to inform them of the fraudulent act. Nothing was removed or done in the past over the last 3 years we have filed complaints with the all the so called credit reporting companies about the companies having opportunities to pull soft credit reports and getting personal info to harass us. We have filed Ftc identity theft reports and contacted Social Security administration over the past years with no resolution in sight. In the past we have filed CFPB reports only to have the company claim to have verified the accounts and punished us in the end for filing the complaints. We have been denied credit, denied housing among other things because of the lack of authentication by the credit reporting bureaus who appear to work closely with the so called creditors to report false claim and receive some kind of kick back. We have been involved in multiple data breaches over the years and never received compensation or apologies or correction. Only to be harassed to authenticate ourselves. We the people are the reason companies thrive yet we are treated as cattle, or less than.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are 3 wrong addresses on my report that I have never been associated with. I believe this is a result of identity theft. Any address in New York is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE
Product: Student loan

For five months I have sent documents for temporary XXXX deferment to Navient. They have refused to process. Each time, they claim something is wrong with the application, and it must be resubmitted. My doctor has submitted proof of XXXX along with dates, which were for only a year. I have also submitted proof of long term XXXX monthly payment. That was not good enough either. The last time they state I must apply for total permanent discharge even though I havent been declared permanently XXXX. Now the loan is due and they are forcing me into default despite me sending documents 12 times. When I called several times regarding this matter, they have stated they are working on it. Then someone named XXXX XXXX from Navient emailed me stating she was an advocate from naivent and would be assisting although all the emails simply state, she is working on it, and the last one stated she is going on vacation which would place me in default despite me following timelines and submitting all documentation for a deferment. Im not working, am XXXX and can not make any payments. This is unethical, illegal and Inhumane.
Product: Vehicle loan or lease

US Bank was the lienholder for our new XXXX. We traded the truck for an SUV. After the payoff was made to XXXX, they sent us a loan statement that our account was closed ; however, there was accrued interest which was not refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and inquiries have been reported as fraudulent as per police report : The following accounts and inquiries have been reported as identity theft, they have been illegally made under XXXX XXXX name and SS # XXXX : 1.XXXX XXXX XXXX  {$3900.00} 2.XXXX  XXXX {$27000.00} Illegal credit file access due to identity theft : 1.XXXX XXXX XXXX XXXX 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 XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I left for XXXX XXXX and XXXX and my student loans defaulted When i returned home i contacted the lender ( XXXX XXXX ) and told them what happened and sent in my paperwork and my loan was transfer backed to XXXX XXXX and i paid of the loan XX/XX/2017 Now i have two student loan accounts on my credit report I have talked to XXXX XXXX about this issue and they have told me to contact the reporting Credit bureaus. To fix it
Product: Credit card or prepaid card

On XX/XX/2021 I missed a payment on my American Express card for my billing period of XX/XX/XXXX - XX/XX/XXXX. I paid the balance in full on XX/XX/2021 ( 2 days late ). I was charged a late payment fee of {$29.00} and interest of {$120.00}. I was charged an additional interest fee on my XXXX statement of {$110.00}. When I called, I was informed that this was trailing interest. Apparently as soon as the balance was paid on my XXXX statement, the remaining balance that I was incurring on my XXXX billing period became subject to interest. I was not informed that was the case as typically I can carry a balance as long as my statement balance is paid off. Therefore from XX/XX/XXXX - XX/XX/XXXX ( when I paid my statement balance in full on time ) I was charged interest on the balance. So, for 2 days late and 11 years as a card holder with on time payments, I incurred total fees and interest of {$260.00}. The late payment fee, interest on XXXX late payment, and 2 days of interest on the payment make sense to me. Starting interest accrual on XX/XX/XXXX without informing me, XXXX be company policy, but is abusive and excessive. For 2 days late I paid 2 MONTHS interest. 
Interactions with Amex - 1. Called and asked to waive- they waived the {$29.00} fee and explained to me the XXXX interest fee. I told them that I thought it was ridiculous to charge me 2 months of interest for 2 days late, but was informed it was company policy. I said that I would cancel my card and file a complaint. I was transferred to cancellations. 
2. Cancellations again explained the trailing interest to me and offered me a {$15.00} credit if I kept the account open. I declined. They offered me a {$75.00} credit if I kept the amount open, spent {$2500.00} in 90 days and kept it open for a year. I agreed, but in retrospect it seems that I lost and they won in this situation and leaves a bad taste in my mouth. I also spent an hour of my time on the phone. What a waste.
Product: Credit reporting, credit repair services, or other personal consumer reports

In addition to wrong information on the report. My credit score dropped after i removed a dept of {$42000.00}. I have had perfect payment on all accounts for the past 7 years. Why would the credit score drop when debt is paid? It should have gone up. 

Another problem is with " XXXX ''. I let the reporting agency into my back account and every time it comes back and says it can not boost my score. There are payment accounts that show up every month on my bank account. This is a service that does not work.
Product: Credit reporting or other personal consumer reports

I have contacted Global Lending Services on multiple occasions regarding inaccurate information reporting on my consumer credit report. The documentation that was provided to me by Global lending Services shows that my contract term was for 72 months, but on my credit report, the contract term is reported as 73, which would make the information reporting inaccurate. I have disputed this information before and the credit reporting agencies stated it was verified as accurate which is not true and they are therefore violating my rights via the credit reporting act.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX fraudulently reported a collections claim of {$3600.00} to my credit. Their collection team, ACCOUNT ADJUSTMENT BUREA, contacted my ex and myself a month ago, threatening legal action and I explained that the case was closed on their behalf. They asked what my source was and I told them it was https : //public.courts.in.gov/mycase. When I read the case to her over the phone and mentioned dismissed with no prejudice and {$0.00} balance, she proceeded to hang up. Then today I saw it hit my credit report and I called the same number back, same lady answered, and told me that since you refused to provide proof, I pursued further action. I asked if I could get her name and she refused. She placed me on hold to contact corporate and hung up. She called right back and I asked why shed moved forward, knowing it was closed on their behalf, and she hung up again. I suffer with anxiety and cognitive disorders and this is too much. My ex was about to buy a house and now her credit is negatively impacted. My credit has grown the last two years and is also now effected. This is causing a lot of problems and hitting us both during a very tough time. Id surmise this is very illegal, given my source is a public government website. I would like to know what to do and how to fix it.