23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

i have suffered from XXXX for 30 years ' i never knew what credit was or debt or any other such thing i was XXXX for many years and XXXX XXXX XXXX ' most of my debt actually comes from minor 2 hour hospital stays where i was under duress at times from XXXX XXXX XXXX XXXX XXXX  many times people used my name or an alias with my information going as far back as 25 years or so ' it wasn't until recently the past 5 years or so when i started medication and working a serious job ' with benefits and got a steady income life and girlfriend that i started to learn about these things ' i have tried to contact debtors and XXXX XXXX transunion ' about such things ' but to no avail ' i have been without work for about 2 weeks now do to assaults and robberies at my work ' and i tried for the first time to take out a loan ' figuring on furlough due to store being to dangerous in the ghetto at night not being open i found without a paycheck in the past or one in the future you can not apply for a loan ' i know this might sound strange to some but my first " vacation in 5 years '' has been spent for 8 days trying to figure how to get out of debt and get my life back 99 % of it from 1 hour hospital visits where i was discharged or escaped the hospital on my own ' or afraid due to XXXX XXXX of " being in debt haahahaha '' ' as you can see i'm not well or was not ' for many years ' anyhow i was always scared or paranoid of the 'sign this we'll help you moneywise '' as i was of medication and the like " but seeing where medication has gotten me " i realise now but not back then when {$30.00} or {$300.00} over time seemed impossible for someone working {$5.00} an hour at a labour hall ' 17 hours a day to make {$35.00} with smokes and train/bus sleep outside building ' take {$3.00} out of paycheck at end of day {$4.00} or {$2.00} for ride to job site ' people just don't know but then i worked with gys who made {$12.00} for the same amount of effort ' anyhow " i've tried to contact various sites and agencies XXXX etc ' to explain but have had no luck ' i don't want to be XXXX again after working 35 hours a week or 30 for the past 5 years ' drs say its best if i " take a day extra off to not be XXXX XXXX '' " anyhow it came to my attention recently my identity has been used for 20 plus years from an " old aqcuaintance '' i'm starting to believe probably just at random " one of the addresses was near mine ' at a time or i used to stay there ' and i was XXXX at the time ' anyhow thank you for your time i am not good at this " but i hope it somehow helps although as usual i doubt i did the right thing or even the right company ' XXXX  XXXX XXXX ' XXXX XXXX " i'm not sure ' i'm working with lawyer to figure it out right now and day and night during " first vacation ever '' spent 8 days trying to figure this all out ' as i have no money and am just staring at a wall ' thank you " i hope it's not a prison ' forever '
Product: Credit reporting or other personal consumer reports

I have received your computer -generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency.Not only do I believe this is a stall tactic on your part to grant you a additional 30 days to comply with my original requests, but I believe it to be blatant violation of the FCRA.I must express my deep dissatisfaction and disappointment I cant experience my credit with continued negligence displayed by your company in addressing these inaccuracies present on my personal credit report .Despite my numerous letters requesting a through investigation and removal of such misleading information, it appears that my concerns have fallen on deaf ears.It is important for you to understand by law, you are required to take immediate action upon receipts of such requests.Your credit reporting agency has been reporting has been reporting inaccurate and incomplete account information to my credit file. I am disstressed that these referenced inaccurate account are on my credit file your credit reporting agency have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and ay be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ), your reporting agency may be liable for alse reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the noncompliance continues. Like, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX 
XXXX XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), they may be liable for false reporting. By law these should be deleted immediately off my personal credit report I even call the credit reporting agency and they told me they pay some type of subscriber code so because they pay it yall can keep it very unlawful n thats the reason why its verified thats very corrupt and is not still complying with the law or listening to me yall should be ashamed to be doing this to me Im on a fixed income n about to be homeless because of your careless mistake please remove in 4 buisness days or I will seek ligation.
Product: Debt collection

XXXX XXXX Affirm XXXX 2022. Regarding account that is listed on my credit report. I talked to someone in the fraud department. XXXX. She said someone from the fraud department would be reaching out to me. I asked how will they reach me. Because she never asked me for my number or email address. She said email. I said to the rep do she has my email on file. She said yes, I asked her to verify. The email address confirmed was not mine. She began to say that they would call. 
Someone apparently has my phone number associated with the Affirm account that is not mine. Ive never had an account. This is not mine. I want this account removed from my credit file. They have not been able to tell me what information they have regarding the Affirm account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score with Equifax has dropped 120 points in a week. I have called several times asking what caused the drop as the only recent activity is the deletion of 2 collection accounts and the pay off of a car loan with XXXX XXXX XXXX. 

Their response is that I would receive an email yesterday that didn't arrive and refusal to disclose what caused the drop. They did say their system shows a higher credit score than their portal of which I pay for access. They clearly have an issue, admit there is a discrepancy with scores between their internal system and what they provide me and refuse to offer any assistance explaining the rapid and sharp decline in my credit score. 

Please, please help. I am attempting to salvage my business with an SBA loan that is vulnerable given the lowered credit score. 

A graphic representation from Equifax of my credit score has been attached. 

Thank you!
Product: Credit reporting or other personal consumer reports

I made my mortgage payment in XXXX, but that same month my husband had an accident falling off the roof. To stay ahead of the situation, I requested hardship assistance on XX/XX/XXXX. Unfortunately, I never received the form. Despite making numerous calls and sending an email to the CEO with the loss mitigation team copied, I did not receive any response or assistance. 

I made a total of 12 calls between XXXX and XXXX and also reached out to the CEO, yet no one was able to provide the necessary form. The form was finally sent to me in XXXX. 

I believe that appropriate measures could have been taken to address this delay and ensure my request was processed in a timely manner. XXXX XXXX, the XXXX XXXX XXXX XXXX, acknowledged that the delay was due to a system outage and apologized but did not offer a solution. 

The delay and lack of action resulted in misreporting on my mortgage account, causing significant stress and negatively impacting my credit score. 

I understand that while we await approval from the loss mitigation team, XXXXXXXX XXXX  will still need to report my account as late. However, I want to emphasize that I requested hardship assistance in XXXX, yet I only received the necessary documents in XXXX. 

Had I received the forms on time, I would have been approved for a program that could have prevented the late payment from being reported, as I would have been approved before reaching the 30-day late payment mark.
Product: Vehicle loan or lease

I won a bid on a XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and was told If I didnt have full payment I had to use in house financing so I was referred to [ LENDMARK FINANCIAL SERVICES ] ON XXXX XXXX XXXX  I believe there are inconsistencies in the financing terms, which may violate the Truth in Lending Act ( TILA ).

1. The APR, finance charge, and total amount financed differ between the dealerships contract and the lenders agreement.

2. The dealership indicated a down payment was required, but this information is unclear or missing from the lenders documentation.

3. Payment schedules and terms were not clearly disclosed. 



These discrepancies create confusion about the total cost of the loan and whether I was charged appropriately. I have attached copies of both contracts for your review and comparison. 



I request an investigation into these practices to ensure compliance with federal consumer protection laws.
Product: Credit card or prepaid card

Capital One is refusing to support my disputes on my Venture One card from unjust charges from two different companies. It appears they have some sort of block on my account. I am not even able to dispute any charge digitally online. I am forced to call every time. This costs me hours on end each time I need to call because I am put on hold. I should be able to dispute the charge directly on my online banking. But I am unable to do so. The company charges I am disputing with CFPB are charges to XXXX & XXXX on my Capital One Venture One Visa. 

XXXX has charged my account for bookings not stayed, and initially charged to someone with the name XXXX, not myself. I was promised refunds from Airbnb, and even have documentation proving so. I have sent this to my credit card company ( capital one ), they refuse to dispute this further. I contacted Visa, and they told me Capital One must continue the dispute. Capital One then says they can't because visa policy. it is very odd. I have proof that I am entitled to refunds. 

I have email documentation from XXXX showing they canceled bookings and issued full refunds. However, I only have partial refunds from XXXX. There is still around {$1000.00} in charges from XXXX that I have not been refunded. 
I am now being charged a high APR on this. I am unable to pay these charges and each month that goes by this is causing me more debt. 

I fly with my registered service animal. I have proper documentation. I have flown XXXX in the past, and have not had any issues. The dog was approved with the documentation and I even have written confirmation from XXXX that the dog was approved as a service animal. However, upon arrival at the airport, I was refused entry with my service animal, which made me miss my flight. I then had to spend a ton more money on last minute rentals and flights. The only amounts I am disputing are the charges for the flights that i was unable to take and the charges for luggage I was unable to use. I have evidence that my dog was approved as a service animal on board, and I have evidence that I was denied entry. I then had to book different flights to get home and spent additional money renting cars. 

I have attached my original booking ticket which shows codes for service animal. 

Please help me clear out these payments that are unjust and unwarranted. I have evidence I should have full refunds. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., 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 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: Payday loan, title loan, personal loan, or advance loan

I applied for a {$3000.00} to pay medical bills. I contacted Prosper for help. They responded favorably. They texted me and said they would send some verification funds, after I gave them access to my checking account, and then I was to return the funds in the form of target gift cards, which I bought at a XXXX store in XXXX, West Virginia. One for {$350.00}, and two each at $ XXXX scratched the backs and photographed the cards and receipts and sent to him. It was right after I noticed that {$130.00} was missing of my own money. Then the bank sent me a XXXX email that my checking account had been locked! Its closed now.i was trying to borrow money, and lost it all!
Product: Debt collection

I, XXXX XXXX, am a consumer as defined under 15 USC 1692a ( 3 ) any natural person allegedly obligated to pay any debt. NEWMAN & MARQUEZ , P.A . violated 15 USC 1692e ( 1 ) the third party debt collector is vouched for, bonded by, or affiliated with the United States or any State. On XX/XX/21 NEWMAN & MARQUEZ , P.A . violated 15 USC 1692e ( 3 ) when a communication was sent by the attorney to the consumer. In the communication NEWMAN & MARQUEZ , P.A . used profane and obscene language also violating 15 USC 1692d ( 2 ). I have proof that NEWMAN & MARQUEZ , P.A . violated 15 USC 1692f ( 8 ).
Product: Vehicle loan or lease

The dealership finace officeXXXX XXXX misrepresented information on the APR rate in closing our vehicle purchase on XXXX/XXXX/XXXX. When presented with our Bank of America online pre-approved apr of 2.24 %, XXXX insisted that our auto loan and purchase contract can only be written at 3.97 % from the same Bank of America at the time of our closing but the rate will be adjusted once he worked through the application with Bank of America XXXX department. When asked, he told us no further actions needed on our side. Everything will be taken care of. When we got the bank approved letter with XXXX APR, we made it available immediately to dealership on XXXX and again on XXXX. The dealership did not make any indication that they are not going to process the pre-approval letter. When the loan is established in our Bank of America account, we see the APR did not get adjusted as we were informed. We contacted dealership couple times, no response. I got suspicious and contacted BoA on XXXX again as i did not get a response from my call and email to my Bank of America loan officer. I was told by another Bank of America agent that the loan was processed at the dealer without the preapproved apr rate. I finally got dealerships response on XXXX/XXXX/XXXX. We were told the rate canot be changed and we would need to refinance. I sent an email as an official writen request to ask about their fraudulent practices on the same day, they immediately called and tried to resolve the issue but no real offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I want to file a complaint against Cashapp ( Block , Inc ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, which resulted in my account being shut down without my knowledge or any help to remedy the situation. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electric 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: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

In 2017, a credit account was opened with SYNCB/CARE CREDIT using my credit profile without my knowledge or authorization. I never provided my information or consent for anyone to open this account on my behalf. Despite contacting the company, they have been unable to locate the account in their database. I would like this unauthorized account removed from my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

TranUnion website stating it was having an error on there side in order for me to get a PDF or online version of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been reported on my credit report. Upon reviewing my credit report, I have noticed several unauthorized inquiries that I believe to be fraudulent. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request that these inquiries be removed from my credit report immediately. 

The unauthorized inquiries are as follows : XXXX - Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX - Date of Inquiry : XX/XX/XXXXXXXX XXXX - Date of Inquiry : XX/XX/XXXX As per the FCRA, I have the right to dispute any information on my credit report that I believe to be inaccurate or fraudulent. I do not recall authorizing any of these inquiries and suspect that they may be fraudulent. I am concerned that these inquiries have negatively impacted my credit score and ability to secure loans and other financial services. 

I kindly request that you investigate these inquiries and remove them from my credit report. According to the FCRA, you are required to conduct a reasonable investigation into any dispute and respond within 30 days of receipt of the dispute. I request that you provide me with written confirmation of the removal of these items from my credit report. 

Thank you for your attention to this matter. 

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

I am writing to formally request the deletion and blocking of certain accounts and inquiries from my credit report due to my status as a victim of a data breach, in accordance with 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ). Below, I have outlined the specific accounts and inquiries that I believe are the result of this data breach and should be removed from my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One Banks failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One Bank has sited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Student loan

I submitted a request on for my XXXX XXXX education award to go towards my federal student loans held by edfinancial on XX/XX/XXXX The award was for {$4100.00}. Previously, all contact i had with XXXX staff indicated the award should be processed in about 2 weeks. On XXXX I assumed the request got lost and resubmitted my request. Edfinancial still hasn't responded to the request. I called both the XXXX hotline and edfinancial hotline to hear about where my education award request was. Edfinancial was completely clueless and wanted me to include my account number despite that not being how the award system works. 

The XXXX hotline indicated that there is a delay in processing these edfinancial requests, but didn't indicate how long it would take for the request to finally process. On Sunday it will be 60 days. 

This is especially frustrating -- each month the education award is deleted is more interest that I have to pay for Edfinancial 's mistake. I learned about this website from XXXX -- where multiple people are as lost and confused as I am.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,