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

I made a purchase on XXXX using Affirm on XX/XX/XXXX for a mini computer and a blanket. I experienced issues with XXXX with this order and XXXX fully refunded the order on XX/XX/XXXX. The loan shows as having been obtained on XX/XX/XXXX, so the order was fully refunded before the loan was even fully processed. 

The order total from XXXX was {$400.00}, and Affirm required a {$100.00} down payment. I noticed in the loan agreement that Affirm actually financed a purchase amount of XXXX for a loan amount of XXXX. They are currently insisting I owe {$100.00} after professing the refund on their end. The math here does not make sense to me. 

I reached out to address the discrepancy and received a letter confirming the above. I obviously disagree that I owe anything on this loan because the purchase was fully refunded. 

I contacted their customer service help desk on XX/XX/XXXX to address my concerns and have the situation resolved. The matter is still not concluded because their representatives continue to rely on canned responses and apparently have not been reviewing the support Ive provided and the clarification Ive provided. The most recent clue that something inappropriate could be happening here is that a rep wrote me somewhat more recently that the remaining balance is actually connected to a completely different, separate loan & purchase. They didnt explain how this is possible and I certainly did not communicate that I wanted my loans adjusted in this way. 

I want Affirm to fix this. I believe they should adjust the amounts to accurately reflect the transactions that actually took place, and acknowledge that a fully refunded order means the loan must be cancelled or deemed fulfilled or whatever terminology ultimately means that Im not paying a loan for an order that essentially no longer exists. I also think Affirm should be discouraged from whatever practices led to all of this mess in the first place ; this feels predatory and intentional.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday, XX/XX/XXXX I noticed a hard inquiry on my credit report from Chase Bank. I did not authorize this inquiry. I called Chase bank to report the fraud. After sitting on hold for an hour and a half, I spoke with someone who told me the credit card application the inquiry was related to had been flagged for fraud. He said that Chase bank would close the card application, remove the inquiry, and then send me a letter confirming they had done so. Instead, however, Chase sent a letter to my home address but addressed to the person who'd applied for the fraudulent card saying that her request for a " a new Chase sapphire Visa signature account '' was not approved because " This is a duplicate application. '' Then, on XX/XX/XXXX, Chase put a NEW fraudulent hard inquiry on my credit report DESPITE my report of fraud the previous week.
Product: Debt collection

Conversation View Genesis - Initial Notice To me Tue, XX/XX/XXXX at XXXX XXXX  Message Body Columbia Debt Recovery XXXX, dba Genesis To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX from XXXX to XXXX PST, Monday to Friday Account : XXXXXXXX XXXX XXXXXX/XX/year> Columbia Debt Recovery LLC , dba Genesis is a debt collector. We are trying to collect a debt that you owe to XXXX. We will use any information you give us to help collect the debt. 


Our information shows : How can you dispute the debt? 
You had an agreement with XXXX, regarding XXXX. - Call or write to us by XX/XX/year>, to dispute all or part of the debt. If you do not, we will assume that our information is correct. 
As of XX/XX/year>, you owed : {$4900.00} Between XX/XX/year> and today : - If you write to us by XX/XX/year>, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. 
You were charged this amount in interest + {$4.00} You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at XXXX. 
You were charged this amount in fees : + {$3400.00} You paid or were credited this amount toward the debt : - {$0.00} Total amount of the debt now : {$8300.00} Your account bears interest at 6.00 % percent per annum. What else can you do? 
- Write to ask for the name and address of the original creditor, if different from the current creditor. If you write by XX/XX/year>, we must stop collection until we send you that information. You may use the form below or write to use without the form. We accept such requests electronically at XXXX. 
- Go to XXXX to learn more about your rights under federal law. For instance, you have the right to stop or limit how we contact you. 
- Contact us about your payment options. 
- Pngase en contacto con nosotros para solicitar una copia de este formulario en espaol. 


How do you want to respond? 
Check all that apply : Mail this form to : Columbia Debt Recovery LLC dba Genesis XXXX XXXX XXXX XXXXXXXX XXXX XXXX I want to dispute the debt because I think : -This is not my debt -The amount is wrong -Other ( please describe on reverse or attach additional information ). 
-I want you to send me the name and address of the original creditor. 
-I enclosed this amount : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Apt XXXX XXXXXXXX XXXX XXXX XXXXXXXX Make your check payable to Columbia Debt Recovery LLC , dba Genesis. Include the account number XXXX You can also pay online at : XXXX XXXX XXXX 

Notice : See below for important information.
Product: Debt collection

Im filing a complaint against AFNI on a old XXXX  account. A representative from AFNI told me if I paid XXXX $ and settled a debt that they would delete this account from my report. That call was monitored and recorded and I would like a investigation to be done and for this creditor to stop tell consumers fans statements. This is horrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested XXXX, XXXX, and Experian to send me proof of the method of verification used to report Bankruptcy on my credit ... These agencies knowingly provided false information and therefore are in violation of the Fair Credit Reporting Act. I will be attaching proof. Also, Originally when asked to verify the credit reporting agencies listed the furnisher as the court house. Then prior to the dispute, I requested in writing my XXXX XXXX profile be frozen. Following the investigation of the CFPB it was changed to XXXX XXXX as the furnishor ... After my account was frozen. XXXX County Court does not verify with 3rd parties. Violations below : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] 611.  Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] Bankruptcy Courts should be the " Furnisher '' not third parties like XXXX XXXX.
Product: Checking or savings account

I opened this account in XX/XX/2019 and have deposited the same dollar amount in checks every two weeks and I am consistently having funds held from my account. When I called to find out why they can not give me a reason. I have been to a branch twice to have the funds released and they continue to do it. I have never had an overdrawn check or a low balance in my account. I have threatened to close the account and go to a different bank and that doesnt work either
Product: Credit card or prepaid card

I was set up with autopay for my XXXX credit card. XXXX changed something which resulted in my autopay not going through. XXXX did not contact me to tell me about this change. Upon learning of the issue, I immediately paid the balance and XXXX simply reactivated my autopay. I have contacted XXXX on the issue and have not been able to come to a conclusion.
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 ( 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. They owe me {$1500.00} in total.
Product: Debt collection

Ive reported RADIUS GLOBAL SOLUTIONS, on numerous occasions for their abusive and fraudulent means of attempting to collect debts. In the past Ive had them removed for an account that was not mine. When all proceedings should have ended. They resubmitted their alleged debt. Upon disputing, again, they forwarded myself as well as credit bureaus with fraudulent documents to support their verification of an alleged debt owed by me. When confronted via phone about fraudulent documents, they immediately removed the account, but as mandated and supported by the FCRA and FDCPA, in lieu of complying and compensating me for the injuries both my business and person sustained. They went about delays, and further malfeasance ; including but not limited to, veil threats of future attempts at illegal collection. I have documents I will be submitting from said company to further this complaint.
Product: Debt collection

XXXX XXXX XXXX stole my identity and opened a fraudulent account with Capital One in my name in XX/XX/XXXX. I was XXXX years old in XXXX XXXXl with no proof of income to obtain a line of credit of {$1500.00}. The account is now negative {$1800.00}. I have put fraud alerts on all 4 of my credit reports and have also sent letters to Capital One and spoke with representatives about the identity theft and fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX. 
Closed on XX/XX/XXXX XXXX Closed on XXXX XXXX, XXXX XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$80000.00} Reported balance XXXX XXXX XXXXXXXX Last reported XX/XX/XXXX {$20000.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
Bankruptcy XXXX XXXX Docket Identifier XXXX
Product: Money transfer, virtual currency, or money service

PNC Bank will not connect with 3rd part billing apps.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraph the term " consumer report '' does not includ any report containing information solely as transactions or experiences between the consumer and the person making the report 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Bank account or service

I was once a customer of Wells Fargo. One day, someone deposited a fake check into my bank account. When that happened, Wells Fargo decided to close my account instead to finding out what happened or to explain to me why my account was closed. It has been few years since that happened and I went back to Wells Fargo to try to open up an account, but they told me that I could n't and contact you guys. The paper in which the teller printed out for me does n't have any explanation as to why I can not open another account with wells fargo. I would appreciate it if you guys could tell me the reason why I ca n't open another account with Wells Fargo and if I could open one up later. If there are some fees that I have to pay, I 'm more than willing to pay, I just want to know why I ca n't open an account, and if I can, how I would open one. 

Thank You.
Product: Vehicle loan or lease

My request was for them to release the collateral for my auto mobile, because I payed the loan in full, here is the tracking number for the overnight payment XXXX XXXX. 
After I made the payment, I received a check in return for over payment in the amount of {$170.00}. Further there is no lien on my auto mobile after a lien search by the NYS DOS and a certified answer from the Secretary of State confirming that there is no lien on my property, except for my lien I filed on my auto mobile.
Product: Student loan

I am trying to find out what my payment will be in XXXX when student loans go into repayment. On XX/XX/XXXX I checked my account and could not find this information so I sent an email to my loan servicer asking how much my payment would be. Fedloan Servicing sent a confirmation email that they received my email, however, I did not receive a response to my question. 

On XX/XX/XXXX I called my loan servicer to ask what my payment would be. I stayed on the phone for approximately XXXX minutes and no customer service representative took my call. I selected the option to receive a call back. They never called me back. 

I have now sent an additional email on XX/XX/XXXX again asking for what my payment will be in XX/XX/XXXX. Again Fedloan Servicing sent an email confirming the receipt of my email, but still not response.
Product: Money transfer, virtual currency, or money service

bought a pool and used my visa credit card to purchase a swimming pool. They sent me a confirmation email that i still have. When i went on thier website I did not see my purchase or nothing about payment recieved. Then I tried to cancle the paypal profile and they wont let me do so. The amount in the paypal account was XXXX cents and they say i have a negative balance and can not close account. I DO NOT HAVE ANY OTHER BALANCE OTHER THAN XXXX CENTS. I WANT ACCOUNT CLOSED!! I also recieved confirmation from XXXX. That company did not exist.
Product: Bank account or service

while withdrawing cash from the atm i only received XXXX dollars of the XXXX i was charged for. {$160.00} was sucked back into the atm. i filed a complaint with the bank to do an investigation and after a week i have n't gotten any information nor gotten a provisional credit as promised
Product: Credit reporting 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 confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Reviewed most recent credit report from Trans Union and I noticed a collection/charge off that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the collection/charge off disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the collection/charge off in questions did not belong to me. 

This is a clear violation of code 15 USC CODE 1681S-2 for inaccurate reporting. Please removed these accounts from my report, they are hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  Account # XXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX XXXX Account # XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to according to the 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, in after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information from is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 they are not supposed to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On XX/XX/2018, our mortgage loan office, XXXX XXXX, requested copies of electronically signed disclosures be forwarded to her so that she could deliver all documents to us in one file. XXXX XXXX at Nations Direct emailed XXXX XXXX and instructed her to forward the disclosures to XXXX XXXX. The disclosures were not forwarded. Therefore, XXXX XXXX emailed XXXX XXXX on XX/XX/2018 asking for the disclosures again. Again, the request was ignored. Finally, XXXX XXXX emailed her on XX/XX/2018 and informed her that we would be submitting a complaint to the Consumer Financial Protection Bureau if the disclosures were not forwarded by XX/XX/2018. To date, the disclosures have not been forwarded.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XX/XX/2015 Capital One credit card says that I was 30-60 days late on my payment, The vendor actually sent my bills to a wrong address, and I believe the bill was still being paid ontime this is actually the only missed payment listed negatively on my credit report.
Product: Student loan

I defaulted on my student loans when I got out of school, because I did not have a job. 
Texas Guarantee has sidestepped every effort I have made to get these loans out of default. 
My original loans were about XXXX. Texas Guarantee wage garnished me for 5 years and took almost XXXX from my checks. Texas Guarantee refuses to set up a payment plan and is about to wage garnish me again. They say I still owe over XXXX on my loans. It is easier to wage garnish me, and much more profitable, because I qualify for a low payment. Texas Guarantee is running a racket and has ruined my credit. The people that work for them have no idea how to follow instructions. The new case worker has telephoned me one time. I have asked them to email me repeatedly. I have sent my income tax to them and answered every single question they have asked. It is not an advantage for them to get people out of default, so therefore, they do not put much effort into it. I requested a hearing, and they have given me less than a weeks notice. I tried to get it scheduled for another date and they refused. They are the most difficult company I have ever tried to do business with. If they do n't set up a payment plan for me, I will not let it go back to wage garnishment. I will quit my job and go on food stamps, before I ever let anyone take money from my check that I do not get credit for. Texas Guarantee is a governmental agency which is allowed to steal from the public and has no oversight. All I have asked for is a payment plan and to take my loans out of default.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax suffered a breach of data which included a wide ranging scope of extreme PII data, including my and my partner 's SSN and DMV License Number. 

We are now going to have to militantly spend the next several years watching our credit reports to ensure that this data is not used inappropriately. 

Equifax should consider protection of this data as their primary objective, as their role in credit reporting requires them to have an ability to accurately and fairly provide credit data about those people who, whether they want to or not, must use this service to be able to access financial products.
Product: Debt collection

XXXX XXXX XXXX XXXX had originally provided us with XXXX ( XXXX ) beginning in XXXX 2013 and was covered under our health insurance at the time. The new insurance card was sent in ( under the same job/insurance provider ) around XXXX 2013 and a couple of months later when we called XXXX to refill the prescription they notified us that the insurance was now out of network and they would no longer be able to fill our prescription. This not only severely jeopardized my wife 's health but left us scrambling to find a new provider and going weeks without her weekly therapy. They notified us at this time that they would " take care '' of the insurance problem and we would not be responsible for any added costs due to what they described as " their XXXX ''. It was at least 6 months later that we received the first bill which included the charges incurred during this period of time. We have tried multiple times to contact XXXX and every time we have been told by them they would contact their supervisor and discuss our case and call us back. They have never called back to discuss these issues. The account has now been sent to a collection service who is attempting to collect on the debt which is XXXX % more than the out of pocket maximum under the insurance plan. XXXX has never been able to give us a straight answer regarding this problem.