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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days
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 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 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: Credit reporting, credit repair services, or other personal consumer reports

I am consumer writing this without the assistance of any third party. This is my understanding and account of the instrument attached in this complaint with the Bureau. Promissory Notes are negotiable instruments according to UCC 3-104 ( b ). 

XXXX XXXX XXXX XXXX, who in the ordinary course of business, lends purchase money or finances the sale of goods or services to consumers on a deferred payment basis, helped me finance a credit sale. The took place XX/XX/2021 I was given a purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who in this case is XXXX XXXX XXXX. 

Attached is my consumer credit contract. This instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale. '' This instrument was electronically signed by me the consumer on behalf of an individual.

Pursuant to 16 CFR 433.2, It is unfair and deceptive for XXXX XXXX XXXX to directly or indirectly take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

In careful review of the instrument, this notice was absent, willfully. This means this is unlawful pursuant to 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

Pursuant to 16 CFR 433.3, this contract cuts off my right to assert my claims and defenses because it did not include 16 CFR 433.2 which is unlawful. This is not my obligation. In addition, I did not know it was possible to pay on a positive balance which is what XXXX XXXX XXXX mislead me into doing. 

All Consumer Reporting Agencies claimed this has been verified by XXXX XXXX  XXXX however, I am requesting a complete and accurate disclosure of the nature and scope of the investigation. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. This is pursuant to 15 U.S. Code 1681d - Disclosure of investigative consumer reports.
Product: Checking or savings account

I had over {$9000.00} dollars in a Chime banking account. I received a text message from Chime on XX/XX/2020 asking about unusual activity and whether I was responsible for it. I replied " No '' via text as instructed. I then received a call from Chime. They told me someone had hacked into my account and was in control of it. They assured me my account was secure. It appears as though they were incorrect with that. I now have only XXXX cents in my Chime account.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On or about XX/XX/2024 I came to XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX. I proceeded to use XXXX and tried to purchase for almost an hour for XXXX with no avail. The site just got stuck each time resulting in the circle spinning and eventually timing out. I finally called XXXX and was told by the agent that the price was no longer available and it would now be XXXX for a XXXX night stay at this hotel. Meanwhile I was refreshing the page over and over explaining to the agent that you cant advertise something then say its another price when it hasn't been removed for the lesser price. The agent was not helpful and instead insisted I should not be upset with him it was not his fault and maybe I should try to call Technical Service Dept another day. He did not say anything about the original transaction going thru and I do not believe it did because I have called XXXX over 8 times and no one can even find it. I called the hotel and explained that I was being charged XXXX hotel loan fees and were they sure there were not XXXX confirmations. after finally getting very frustrated and the lack of I went ahead and ended the call and proceeded to book the same hotel for the same price on XXXX. I used Affirm for the transaction and was charged {$30.00} for the down payment twice for the XXXX transaction that wouldn't go thru and again when I finally made the purchase with XXXX. I contacted affirm later and let them know the item was not purchased thru booking so I would need a refund. I have sent Affirm several dispute emails and they are currently still trying to bill me for what was deliverfronted. Affirm has been of no help nor has XXXXThe best help I received was from the hotel desk who confirmed that XXXX confirmations would not have went thru. I cant stay at the same hotel the same nights and would not pay twice for the same 3 day stay. Affirm owns the loan for both XXXX  and XXXX and I have sent them everything and every email from when I have contacted XXXX neither are trying to acknowledge that I did not pay twice for same stay but affirm can plainly see this is for the same date and keeps billing me for XXXX stays when services were not received by XXXX. I was charged for XXXX transactions and only one service was provided. After the 3rd dispute with Affirm I have no recourse. I am being forced to pay a loan for services not received and confirmed by the hotel.
Product: Checking or savings account

I received grant from SBA, my bank ( Citibank ) closed my account and took my money {$10000.00} since this past XXXX. They still have the money and they did not send a check of that amount. I need your help plz.
Product: Debt collection

Received an email from TrueAccord on XX/XX/XXXX to my deceased mother 's email account claiming she incurred a debt with XXXX that was sold to XXXX XXXX XXXX and she now owes {$2700.00}. 

My mother died XX/XX/XXXX. The emailed statement from XXXX showed {$0.00} balance, I notified them of her death, and the account was closed. XXXX confirmed by phone XX/XX/XXXX there is {$0.00} balance and no debt was sold.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The following accounts have violated my rights : 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 I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information 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. 

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

I have a total of 8 paid/closed loans with XXXX. I also have a consolidated loan with XXXX ( used to consolidate the 8 loans ) 4 subsidized and 4 unsubsidized. My open loans are not the issue. The problem I am having is correcting my paid loans. Each one of the 8 loans are reported twice on my credit reports. Instead of having 8 paid XXXX  loans listed on my report I have 8 paid loans and 8 loans ( all XXXX  ) with the identical stats as the other 8 loans but these loans are listed as " unknown '' for the status. The other difference between the two lists of loans is the payment history. The " unknown loans have late payments reported up until XXXX and then the history stops. The paid loans picks up with a payment history reporting in XXXX until the XXXX when it was closed. There is a comment saying that the loan was transferred to another office but the only loan servicer is XXXX. Because these loans are listed multiple times on my Experian credit report it says that I have 20 accounts with negative indicators. Also, XXXX has not been able to provide me verification of the late payments they have listed on my report under the " unknown '' accts. I have requested verification and validation of all of this information multiple times from XXXX and Experian and no one has been able to provide me answers. I am attaching the my loan history for the ALL the loans that I have with XXXX. It clearly shows the correct number of loans unlike what is reported on my credit report. The attach documents also shows the transaction history of ALL my loans and it omits payment information before XXXX. There is no late payment information from the time the loans were opened until XXXX yet there are reports of late payments on my credit report before the payments listed in my account history.
Product: Credit card

LL Bean CitiBank MC showed a purchase of {$1300.00} made in XXXX CA ( XXXX away ) on XX/XX/23. I have no knowledge of this purchase or the company and have never been to XXXX. I phoned in a fraud alert to LL Bean CitiBank MC and they investigated. They wrote me ( postmark XX/XX/23 ) showing an invoice from the store for {$1200.00} plus {$110.00} for a total of {$1300.00} placed at XXXX. This transaction WAS NOT chip verified, and was PHONE OR INTERNET placed and NO shipping or tacking information was listed. The product is a pair of batteries weigh well over XXXX #. THE LETTER FURTHER STATED THEY WERE REFUTING MY CLAIM and charging me for the purchase UNLESS I provided proof supporting my claim and gave me until XX/XX/23 to prove my case. ( It's hard to prove I did n't drive XXXX to buy something ) I sent registered mail ( sent XX/XX/23, delivered XX/XX/23 ) my rebuttal again swearing I had nothing to do with this purchase, pointed out the above facts and a photocopy of a credit card purchase showing me purchasing gas XXXX away on that date at XXXX. They sent me a second letter SENT BEFORE ( XX/XX/23 ) the XX/XX/23 deadline given me. This finalized their dismissal of my right to claim. They have not responded to any further letters and are billing me for a fraudulent charge.
Product: Credit reporting or other personal consumer reports

Remove the following accounts for improper usw of my credit report.The payments history shows a continued reporting a charge off after these account was closed.This is detrimental for me and my family. 

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

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

XXXX  XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX  acct # XXXX XXXX  XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX  acct # XXXX XXXX  XXXX acct # XXXX 15 U.S.C 1681 section 602 A section 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information, any adverse item information, other records of convictions of crimes which antedates the reporting 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

New to using cedit, went to buy a car multiple places and they ran my credit at so many different places that i did not authorize trying to get me financed. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax for assistance with unauthorized inquires on my credit report. I spoke with a representative who was assisting me with deleting these inquires and the phone was disconnected. I then called back and spoke to another report who told me the inquires could not be deleted. I explained to the representative that I was previously being assisted with deletions before the phone hung up. I asked to speak to a supervisor who told me she would not assist me with taking care of the negative inquires reporting to my credit report. 

XXXX XXXX XX/XX/20, XX/XX/20 XXXX  XX/XX/20, XX/XX/20 XXXX XXXX XX/XX/20, XX/XX/20 XXXX XX/XX/20
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/2017 to XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I paid off my card credit balance XXXX XXXX XXXX  since XXXX XXXX XXXX XXXX has not reported to TransUnion the correct information till this day which is XX/XX/XXXX the credit bureau is TransUnion credit report thet are still showing I owe a balance of {$760.00} also XXXX XXXX closed a good standing account and they still have not reopened the account I've been fighting with them since XXXX of XXXX and now we are in XX/XX/XXXX I have been denied an apartment because inaccurate information is reporting on my credit report
Product: Debt collection

A family/relative received a letter from this collection agency ( UNIFIN INC ) to their address XXXX XXXX XXXX XXXX TX XXXX. Due to my relatives name is the same as mine XXXX XXXX. They opened the letter to find out about a debt back in XX/XX/XXXX. My relative not knowing of any debt with this company then thought of reaching out to me to inquiry about this. As I tried to figure out also, I was able to access more account information via their website and by entering my SSN I found out this was my debt. When I tried to review I see this company has my current address XXXX XXXX XXXX XXXX TX XXXX. I am not sure why they have not contacted me about this. This is totally against privacy of my debt. This address I have not lived in since back in XXXX. I want this address ( XXXX XXXX XXXX XXXX TX XXXX ) removed from their system and a complain to them on why they sent a unauthorized letter to someone else other than me. 
If they need to reach out to me about this debt. Then they need to use my current address and per their system that is the only one available to reach me and discuss about this.
Product: Mortgage

I've tried to call back and am put on hold for over 20 min. Tried to call phone listed for XXXX and can't connect me to him.Talking to a regular phone call person. That is no help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; US DEPT OF ED/XXXX XXXXXXXX ... XXXX 
{$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$2200.00} ; XXXX XXXXXXXX .... Balance : - ; XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX ... . Balance XXXX {$670.00} ; XXXX XXXX XXXX XXXX .... Balance : {$1500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7300.00} ; XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Student loan

On XX/XX/, MOHELA uploaded a letter in my message center notifying me that my account was placed on an " Administrative Forbearance '' due to more processing time needed on their behalf to update my account information. The letter was dated for XX/XX/XXXX  but uploaded on XX/XX/. This is in regards to me updating my *family size* for my already- approved IDR SAVE plan. 
The administrative forbearance was said to begin on XX/XX/XXXX  until XX/XX/3, where no payment was due towards my loan and my loan amount was set to {$0.00}. 

I called immediately on XX/XX/XXXX  and clearly asked for this Administrative Forbearance to be removed, as I do not want it to hinder my progress towards achieving Public Service Loan Forgiveness ( PSLF ). The XXXX $ payment would have jeopardized the month of XXXX ( no payment due ) to not count as a qualifying month towards my PSLF. 

Mohela submitted the paperwork to remove the " processing forbearance '' on XX/XX/. The customer service representative ( in-training ) said the request should take 3-5 business day from that day. 

I called MOHELA on XX/XX/, which was the 5th business day from my request being submitted formally. I also called on XX/XX/, which was the 10th business day from my formal submited request. The forbearance is not yet removed. 

XXXX I willingly made the payment of {$35.00} towards my account even though no payment was due for XXXX. This is the amount that was determined for me following my IDR SAVE confirmation. 
XXXX- Upon calling on the 10th business day to check in on my request to remove the forbearance, the agent told me that Processing forbearance will count towards PSLF. Its not your fault its because we are backed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

Today on XX/XX/2020 I tried to send my friend XXXX a single mother struggling to feed her kids, XXXX . I by accident sent it to the wrong person. I contacted pay pal and they said they can't do anything about it. They told me to email her and ask for it back. This is crazy. They Needed that AND IM STRUGGLING TOO. AT A TIME LIKE THIS THIS IS HOW IM TREATED. I NEED HELP PLEASE ...
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to dispute the accuracy of a charge-off listed on my credit report. The creditor, XXXX XXXX, did not issue a 1099-C form, which indicates that the debt was not forgiven or canceled. Therefore, the charge-off should be removed from my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 1 ), I request a reasonable reinvestigation of this disputed information. Additionally, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) requires furnishers of information to provide accurate information to credit reporting agencies.
Product: Money transfer, virtual currency, or money service

I sent money through paypal to a girl from XXXX. I sent {$45.00} she only gave me part of the deal pictures. She was supposed to give me a show aswell through XXXX but did n't. And continued to ignore me. Her name is XXXX XXXX. The transaction took place at roughly XXXX XXXX cst time. XX/X/17
Product: Debt collection

Due to my information being leaked by a data breach a couple of years ago my identity has been used to open fraudulently accounts on debt that I do not owe. I am hurt do to my trust of the company and providing my information in whom I trusted and ended up being given away due to lack of security. And because of this I shouldnt be led to and keep going through identity theft and debts that I have no clue of.