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

I had plan through XXXX  with an interest rate of 19.49 % and am in email saying XXXX  was closing the app and shutting its business down the loans would be serviced by SST at the same APR. Well after hours of fighting this site to log on and find my current APR I found it to be 22.99 %. How can my line of credit be sold at what was said no interest change then it goes up 2.49 %?
Product: Credit reporting

I had my son in a daycare called the XXXX XXXX, I am currently going thru adivorce. My ex husband who lives in XXXX while I live in the state of XXXX tried togo to the day care and get my son and attempted to take him, out ofthe country. I was alerted got, the law involved and my attorneys I was told notto have my son out of my eye sight. I had to move, etc. I gave the day care averbal notice and I called them to confirm my child would not be in due to whathappened. Then I was contacted by a credit agency telling me they reportedme to their agency. I let the agency know that I was disputing the charges, as Ihad a safety concern to protect my child. A notice was given to the company, and they had children on the waiting list that took my child 's spot right away, not keeping them from making money or losing money due to taking mychild out of the center. 

When I called and let them know that my child was not going to be going backto the center, I was not told I would be responsible for anything else, as I hadpaid in full. As I had always paid XXXX weeks at a time. 

This {$340.00} dispute that is showing on my Credit Report needs to be taken offas it is not like me to not pay a payment. And a notice was given to thedaycare.
Product: Debt collection

We leased an apartment from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. We always paid our rent on time and never had any issues with the complex. When moved out we spoke to someone in the leasing office and signed all of the paperwork. We were told everything was done and we were good to go. I attempted to get a walk through with the XXXX on 3 different occasions and no one ever responded. XXXX months later after leaving all of our forwarding information, including our new address they did not contact us regarding any issues. They sent a collection agency after us for charges that were completely bogus The amount was XXXX. They charged us for a XXXX XXXX bill and we never XXXX XXXX XXXX while living there.They charged a cleaning fee and I cleaned the apartment for 2 days before moving. They charged us for acid washing the tub, which was discolored when we moved in. They also charged us for keys that were turned in, along with the fobs for the parking garage. Everything charged was false! I have reached out to the property company many times to resolve this and never got a response. It has affected our credit rating and it may cause us problems if try to rent elsewhere. I want people to know that they tried to steal from us because they didnt do their due diligence.
Product: Credit reporting or other personal consumer reports

This company is reporting unverifiable, inaccurate accounts on my consumer report. I do not and did not give them permission to report any information or obtain this information. I opt out of their reporting, they are to delete all information they are reporting on me ( XXXX XXXX XXXX XXXX except for my only address XXXX XXXX XXXX, XXXX, Va, my first-middle-last name, my only email XXXX. I have a right to privacy according to the privacy act of 1974, they are to leave my report frozen as well and not share my personal information without my written express consent.
Product: Payday loan, title loan, personal loan, or advance loan

My boyfriend works at the XXXX warehouse and he used his discount to get me these items as a gift. My afterpay account was the payment method. On XX/XX/2023, I bought a XXXX airwrap and a living proof hair spray from XXXX using afterpay. My package with the living proof hair spray was received on XX/XX/XXXX in my package locker. My XXXX XXXX package did not update until XX/XX/2023 in which it said it was delivered on XX/XX/XXXX XXXX hours after the first package and that it was signed for. I live in an apartment complex in which the lobby does not sign for nor accept orders on our behalf and they have to come directly to us or place it in a package locker. I was not home at this time so if someone signed for the package it was not me. I called XXXX customer service several times to which they refused to refund or redeliver my order. They also told me to contact the delivery company. I called the delivery company ( Deliver-It ) in which they dont have a customer service department and only an online form is available. This company is also notoriously known for stealing packages! I decided to file a police report and got it approved. XXXX customer service was called again and I spoke to XXXX, a floor manager, in which she said she STILL would not be able to refund or redeliver my item as it still says it was signed for. EXCUSE ME? A signature does not mean that I signed for it? I explained this to them and how I was working and obviously not home so I did not sign it. It is the companys job to ensure a package gets to me! I also told them I have a police report to which they STILL refused to accommodate me! I tried to file a dispute with afterpay but they no longer have a phone number available and do everything online. The company had only three options, a cancellation, a refund request with proof of refund from the merchant, or goods not received option. I chose the goods not received option and was told that they could not do anything about it and to contact the merchant again. This whole process is ridiculous as my next installment payment is coming up on XX/XX/XXXX to which XXXX paying {$390.00} for something that I DO NOT HAVE!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This email is a follow up of my complaint # XXXX. As per your correspondence, I did receive a letter from Barclays XXXX credit card giving me a statement credit of {$100.00} that I should have received back in XXXX, XXXX. Because it took 6 plus months to give me a statement credit that was rightfully mine, a balance was outstanding on their credit card for the entire 6 plus months. But more upsetting is that, because of their lack of giving me the statement credit back in XXXX, and because since then their were " unpaid balances '', my credit rating went from XXXX to XXXX! In looking at the credit report, I now have a " late payment '' listed. I called Barclays XXXX on XX/XX/XXXX, When I called Barclay, they told me they were " looking to collect a debt ''. After going back and forth with them, they then credited me the statement credit against the payment, which then became a XXXX balance. 

So now after 7 phone calls since last fall, it took a complaint from the CFPB to finally issue the statement credit. However, now I am left with a tarnished credit report. 
XXXX needs to correct this error as soon as possible.
Product: Checking or savings account

My name is XXXX XXXX XXXX and aim a XXXX. I moved from XXXX XXXX  to XXXX  in the early XX/XX/XXXX. Later that year, i meet a guy by the name of XXXX XXXX. XXXX was a inspiring XXXX that wanted to get into the music industry. He's been rapping at an early age. When i meet him he was about XXXX. He mentioned that he knows the music industry very well and have major connect with big names in XXXX. He mentioned, he has two music promotion companies, beside just rapping. His promotion company promote artist work, which the artist pay for. He mentioned that, i should invested money in his talent and that we can take it to XXXX to get a major record deal. The music industry was something that i was passionate about, since i was young. The idea felt interesting. We later flew to XXXX  and he introduced me to one of his major connect in XXXX name XXXX XXXX. XXXX mentioned that he's a major player in the music industry. XXXX showed me pictures and videos of him and every artist that you can think of. I seen him with pictures with XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX . I believed him. He mentioned that he can develop XXXX to a major artist and get him sign to XXXX XXXX XXXX for {>= $1,000,000}. He mentioned he can develop XXXX and another artist name XXXX XXXX to major artist caliber and get them sign for {>= $1,000,000}. A few months on another trip to XXXX, XXXX brought us to meet XXXX XXXX at XXXX XXXX XXXX office. XXXX was the XXXX XXXX XXXX at XXXX XXXX XXXX. XXXX, confirm to what XXXX was telling me. XXXX and XXXX mentioned i had to invest {$150000.00} to develop these two artist. They mentioned each XXXX will cost {$75000.00} each to develop. A few months, i agree to make the deal. I gave XXXX and XXXX access to my business account. The access was for up to {$150000.00}. These guys went swimming in my hard earn money. They went to exclusive star studded parties, driving around foreign cars, eating at the finest restaurant, wearing clothes and jewelry brand, i can't even pronounce. They scam me out of over {>= $1,000,000} from XXXX. The worst part is clowning me and torturing my family and i. I'm left with nothing. I lost my business, house and wife.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached XXXX letters with accounts reporting inaccuracies and an FTC report with collections and inquiries which are fraudulent. Please delete and update my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated an application with one main financial, when she started asking me information about the loan she added my husband onto the loan. She did not tell me she was going to do a secondary application and run my credit score again. She never asked if that was ok. Then she called me back saying we were approved for XXXX after the underwriting department looked into it. She never said anything about a second inquiry which should not have been necessary since they already had my report. Had I known this we would have gotten 2 separate loans. She took away my right to decide on my credit file.
Product: Credit card or prepaid card

I have purchased an appliance on XXXX which was delivered on XXXX XXXX, XXXX. The dishwasher was broken and I been contacting XXXX since then without not resolution. They keep transferring me over to XXXX company and XXXX transferring back to XXXX. no one want to be responsible and replace the dishwasher or refund my money back to XXXX card. Today XXXX been waiting for more than 1hr to talk with a XXXX representative over the phone and still not getting any response. I need help to raised since I received my bill already but I still not having my product.
Product: Checking or savings account

On XX/XX/2022 I applied online to Ally Bank for a checking account. 

I believe I was discriminated against by Aly Bank because I am an XXXX American XXXX 

I was denied the opportunity to open a checking account because of erroneous information in the Early Warning reporting system. 

I know banks have discretion because I was able to open a checking account at XXXX XXXX XXXX Bank on XX/XX/2022. XXXX XXXX XXXX Bank also received a notice from XXXX XXXX regarding my previous banking history. However, XXXX XXXX XXXXXXXX XXXX based their decision to open the checking account on my previous banking relationship. They offered me a second chance checking account that actually exceeds my needs. Perhaps XXXX XXXX should consider other product offerings including but not limited to second chance checking.
Product: Bank account or service

I had deposited a check for XXXX and Hsbc had taken and kept My deposited money refusing to give it back
Product: Credit card

I contracted with an individual owning an automobile restoration shop to repaint a vehicle owned by me. The individual requested that I pay a {$5000.00} deposit via XXXX to purchase materials and to start the labor. I did so using two different credit cards, thinking that I would be doubly protected ( XXXX Purchase Protection and my respective credit cards ' fraud protection policies. One card was issued by XXXX, the other card was issued by Goldman Sachs ( Apple Card ). 

Fast forward 18 months after signing the contract, after being ghosted so many times and the person I contracted with being nonresponsive and full of excuses, I was told to have my vehicle picked up immediately. No substantive work had been done, and the materials that I supposedly purchased were not with the vehicle when it was picked up. 

I decided to file a fraud complaint with XXXX. XXXX said too bad, too late. 

XXXX declined to allow me to dispute the charge, saying that there was a 90 day maximum. 

Goldman Sachs ( Apple Card ) allowed me to dispute the charge, but found in favor of the crook. 

I have photographs of the car when it was picked up by the crook, and when it was picked up by my tow truck. I have the contract. I have text messages. It is VERY CLEAR that I was defrauded and the consumer protections offered by XXXX, XXXX, and Goldman Sachs have failed me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Experian Credit Bureau XX/XX/XXXX to update this suspicious information. 
As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Over 60 days ago I have been contacting these consumer reporting agencies as they are accessing and reporting and furnishing information that I NEVER authorized. I demand the following inquiries hard and soft be removed immediately as they are reporting and furnishing information that i NEVER authorized. They are causing me damage, harm, and illegally reporting and furnishing information without my consent. They owe me violation fees for illegal use of my Credit file. I need you CFPB to make sure they get these inquiries that I never consented to removed and deleted immediately. They are not complying and I am suffering from stress and harmful anxiety caused by these non affiliated corporations and they are abusing me and my information. 

I need the following inquiries to be deleted and removed from my credit file and I need my file updated as I have instructed below. I am tired of the abuse of these corporations and companies violating me and my rights. This is against the LAW. 

Delete NOW!!! 
I NEVER CONSENTED TO ANY OF THESE INQUIRIES. MY information and informed use of credit has been illegally accessed. BY law Every single PERSON Must have my Written consent and permissible purpose and my signature from me allowing these reportings and transactions, which I NEVER gave them. They MUST send me a copy of ALL the transactions and letters proving that I consented to XXXX, XXXX, and Transunion. They Must provide me a copy of ALL transactions accompanied with my written letter and my written consent to furnish my information. If they do not have a copy then they are in breach of contract, committing securities fraud, and I will check my file and if they are not removed as i have requested, I will also be notifying the IRS for their illegal and bad business practices : XXXXXXXX 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 XXXXXX/XX/XXXX Done in good faith, Without prejudice By : XXXX : XXXX, XXXX Agent For : XXXX XXXX Principal Without recourse XXXX All XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/ I was reviewing my credit reports and found out there is a Bread Cashback American Express Credit Card ending in XXXX. This account has been opened fraudulently by someone else than myself. I have no knowledge of this account and have not authorized Comenity to open the account or check my credit. Despite efforts to contact Comenity, I have been unable to remove the account from my credit reports.
Product: Debt collection

Received a settlement letter XX/XX/XXXX for a balance owed from XXXX XXXX of {$650.00}. I settled for {$320.00} on 10/23. XXXX XXXX still has not provided the Settled in full letter honoring the settlement.
Product: Checking or savings account

I don't show any cashback for my debit card purchase for {$38.00} on XX/XX/22.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial protection Act ( CFPD ). 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, thier dispute resolution process was unfair and deceptive, as they knew and did not comply with error resolution requirements. Und
er the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These action has caused significant inconvenience and financial loss to me and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I received my Equifax consumer report Confirmation # XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is still reporting Bankruptcy in the public record section of my Equifax consumer report. Even though Bankruptcy maybe public record BUT for it to be reporting to my consumer report, I must give them my written permission and I never gave them my written permission. According to 1681b- they have violate my rights. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violate my privacy act accord to privacy act of 1974. The Privacy Act of 1974 states : No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. And, Equifax is reporting XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX with the Bankruptcy status - I'm requesting the Bankruptcy be removed from this tradeline immediately. To this complaint I have provided attachment with proof of privacy act 1974, proof from Delaware Courts stating they don't report Bankruptcies to consumer reporting agencies, and i have proof of my spouse letter for South Carolina Bankruptcy court states that don't report to consumer reporting agencies..
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to FCRA The unverifiable items listed report still remain in violation of federal law. They have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) and sections 611 ( a ) ( 1 ) ( A ) .. ( consumer contract with any signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA- you are required to ... properly delete all information which can not be verified
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance : {$460.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  made severe errors in billing resulting in monthly payments due over agreement amount. XXXX  refused to remove devices from account that I didnt own resulting in payments over contract amount. Started charging late fees because I wouldn't pay for device 's on account that I didnt own. Never made corrections as requested in a previous complaint. Didn't notify credit bureau the account was in dispute. Repeatedly added fees for being late when it was a clerical error on their part. And refused to remove those fees when requested. This should be breach of contract for charging incorrect monthly amount. The fees were a result of their own clerical errors and should most definitely be removed. The included email is from XXXX on the device and amounts purchased. Other documentation shows the dates purchased and total months financing period. All of this was in error on XXXX XXXX  part and purposely reported to credit bureau knowing this. A direct violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section XXXX of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report.