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

Cash Factory USA promised a payment arrangement over the phone that was different from what was emailed to me. 
In XX/XX/XXXX I took out a loan of {$750.00} from Cash Factory. Due to unforseen hardships I got behind in the payments. In XX/XX/XXXX I set up a payment arrangement of $ XXXX. I paid this amount for XXXX and XXXX. On XX/XX/XXXX their system would not allow me to make a payment. I was told my account is now handled by the retention team. On XXXX I spoke with XXXX in the retention team who told me the debt in the amount of {$940.00} could be settled for {$470.00} to be deducted from my debit card on XX/XX/XXXX. I agreed on the condition I would received this settlement agreement in writing. XXXX promised I would receive it. 

The email I received from her only said a payment arrangement of {$470.00} had been set up. It said nothing regarding the debt being a settled in full amount. I emailed Cash Factory USA and asked them to send in writing what was offered over the phone ; which was a settlement arrangement, not pay arrangement and they refused. The letter gives the impression I must make more payments. In my email, I stated I would revoke my payment authorization if this is not corrected. I do not want to pay this amount only to have Cash Factory say I still owe them more money. Promising a settlement amount over the phone, then sending an email which alludes to something entirely different is a deceptive business practice. I need Cash Factory to honor their promise made over the phone and send the correct Settlement arrangement in writing.
Product: Credit card

XXXX XX/XX/year> there were four transactions to my credit card with Truist Bank account that were not mine. The biggest issue was that the card was on freeze/locked position and it should have stopped the transactions. One went to pending and the other three was declined, however all four should have been declined. This is fraud and no fraud alert was issued by the bank which leads me to believe that it is an inside job. The transactions was reversed and removed after I contacted the bank. It should be more secure and I want compensation for my stress and time to change all my usernames and passwords and close this account and order a new card. I also had to place a fraud alert on all my credit bureaus. Closing the account caused a dinge on my credit as well. Their security system is not up to par in this day of cyber crimes.
Product: Credit reporting or other personal consumer reports

I was reviewing my TransUnion credit report and noticed that there are 6 accounts reporting on my credit report illegally and in violation of the FCRA, 15USC1681B ( A ) ( 2 ), and Regulation F. The information in these accounts is reported illegally as stated by not being verified, by reporting without permission of any and all late and missed payments, and by the failure of any debt collectors associated herein to file notice of reporting of said late and or missed payments amounting to " without consent ''. 
The accounts in question are : 1.XXXX  XXXX XXXX {$470.00} 2. XXXX XXXX {$910.00} 3.XXXX/ {$5000.00} 4. XXXX XXXX XXXX {$670.00} 5XXXX. XXXX/ {$580.00} 6. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDITOR NAME : XXXX XXXX XXXX AMOUNT : {$18000.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX XXXX AMOUNT : $ - DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX  XXXX AMOUNT : {$3500.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX AMOUNT : {$4800.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : FNB OMAHA AMOUNT : {$20000.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX AMOUNT : $ - DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Texas, XXXX XXXX XXXX XX/XX/XXXX Subject : Demand for Deletion of Late Payment Discrepancy from Experian Credit Report Dear Experian, I am writing to formally demand the immediate deletion of a late payment discrepancy from my Experian credit report concerning my account with XXXX XXXX XXXX XXXX BANK XXXX, Account Number XXXX. This discrepancy pertains to the reporting of a late payment on my Experian report for XX/XX/XXXX, while my XXXX report shows a late payment dated for XX/XX/XXXX. I assert that this discrepancy is inaccurate and does not reflect the true payment history for the specified period. The details of the account are as follows : The inaccurate reporting of a late payment on my Experian report for XX/XX/XXXX adversely affects my credit standing and contradicts the information on my XXXX report. This discrepancy is concerning and requires immediate attention and correction. I remind you of the Fair Credit Reporting Act 's ( FCRA ) provisions, which mandate credit reporting agencies to ensure accuracy, completeness, and fairness in credit reporting. Specifically, FCRA Section 611 ( a ) ( 1 ) ( A ) grants me the right to dispute inaccurate information directly with the credit reporting agencies and requires prompt investigation and correction of such disputes. I demand that you conduct an immediate and thorough investigation into this matter and delete the inaccurate late payment entries from my report for XX/XX/XXXX. Additionally, I request that you update my credit report to accurately reflect the correct payment status to paid on time for the specified time period. Failure to comply with this demand may result in further legal action to protect my rights under the FCRA. I expect your prompt attention to this matter and look forward to a swift resolution.
Product: Debt collection

I received text messages from an unknow number giving me instructions to follow a link regarding a debt. As this was not a known number, I did not respond. I received a letter stating I owed XXXX XXXX back charges and equipment fees for failure to return said equipment in XX/XX/XXXX. I contacted Sunrise Credit Services by telephone in XX/XX/XXXX to verify same as the equipment was returned by my ex-husband and the bill was also paid by. In XXXX, I emailed a copy of the receipt from XXXX showing the equipment was promptly returned on XX/XX/XXXX. I called again to acknowledge receipt of same and request a revised bill showing only the back charges. The receipt of returned equipment was acknowledged and I was told a letter would be mailed to me. It was never mailed. I called again on XX/XX/XXXX to verify the charges were paid in full and equipment charges were reversed as the equipment was returned in XX/XX/XXXX. I was told the equipment charges were still pending & I should call in a week. I called again today XX/XX/XXXX and I was told equipment charges are still pending. I requested to speak with a XXXX and was told I needed to write a letter disputing the charges. I sent that letter on today 's date. My gripe is they unlawfully sent a text without my consent and failed to inform me of the debt until XX/XX/XXXX & refuse to verify all debt has been XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had all 3 credit bureaus unfreeze my accts on the same date in XX/XX/XXXX. I only needed 3 days. XXXX and XXXX refroze the account w/I the 3 day timeframe just as I had asked. I discovered this today XX/XX/XXXX through the XXXX website. 

I immediately contacted Equifax to have the account refrozen. However, I am unable to access the Equifax account. I no longer have the email address or the phone/phone number. My physical address isn't the same either. If Equifax had done what I had asked it to do in XXXX, this problem today would be non-existent. I jumped thru Equifax demands, answered it's questions correctly. My cell phone was unable to grab the XXXX nor upload my XXXX. It had something to do with opened apps that have camera access. I have denied camera access yet learned that for the most part the apps with camera access are grayed out which means that as a consumer, I have absolutely no control over those apps. I am a XXXX XXXX customer. Those XXXX apps were predetermined by XXXX. At best, I can merely disable them. There is no way that I can delete them although I have done my best to do so My interest here is for Equifax to Freeze access to XXXX acct. 

Thank you CFPB!
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased an elliptical bike from a merchant, XXXX, using Paypal Credit/Synchrony Bank , for the amount of {$1700.00}. I received the bike damaged and missing parts. I contacted the merchant, who would not honor their warranty or resolve my issue. Emails and phone calls to the company went unanswered. I then disputed the charge through Paypal Credit/Synchrony Bank for the qualifying issue, " Dissatisfied with the quality of the merchandise or service, or it was damaged. '' I originally filed the dispute on XX/XX/XXXX, within 180 days of Paypal 's policy. My dispute has been denied and closed out repeatedly for " contact the merchant for resolution, '' which I've tried to do. I have talked to many customer service reps who have had the dispute re-opened for review, only to have it denied for the same reason over and over again. I spoke with another customer rep who instructed me to send all documentation through Paypal Credit 's XXXX XXXX XXXX for review. On XX/XX/XXXX, I sent all emails between myself and the merchant, all photos of the issues, phone records between myself and the merchant, record of transaction/invoice, a copy of the merchant 's return/warranty policy, and I also faxed this information to XXXX, as instructed. I uploaded the fax confirmations to Paypal Credit 's XXXX XXXX XXXX as well. 

On XX/XX/XXXX, my dispute was denied for the same reason. If they were to properly review the documentation provided, they would find that I have a legitimate dispute. They are not properly reviewing my documenation and they are not honoring their buyer protection policy.
Product: Credit reporting or other personal consumer reports

Experian is reporting the following items incorrectly. I filed a police report for identity theft and have also requested these companied to seize all communications but are still communicating via credit reporting company Experian. Under the 15 US Code 1692 -C ( Ceasing communications ) Experian is violating my rights by reporting the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have Experian remove these immediately as it is a violation of Federal law 15 US Code 1692 - C.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my BK OF AMER - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Mortgage

Nationstar Mortgage has insisted for over a year that I have insufficient flood insurance despite the fact that I have provided proof. Nationstar deducted from my escrow a payment for supplemental flood insurance and when I contested this they refunded the money and agreed I had sufficient coverage. Nationstar recently started up again claiming insufficient flood insurance and they are deducting from my account again to pay a supplemental policy. I have tried repeatedly to solve this problem, but to no avail. Can you help? They are stealing from me and are a disreputable company.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against NATIONAL CREDIT SYSTEMS for committing identity theft. I have never given NATIONAL CREDIT SYSTEMS any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any type of documentation requesting validation from NATIONAL CREDIT SYSTEMS before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If NATIONAL CREDIT SYSTEMS can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until NATIONAL CREDIT SYSTEMS can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and NATIONAL CREDIT SYSTEMS continues its collection efforts, I will file for litigation for actual damages caused and NATIONAL CREDIT SYSTEMS will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

I thoroughly reviewed my credit reports. I spotted some inaccurate information that needs reporting and correction through your company. The Bureau clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681
Product: Debt collection

Collector called, provide information on the account without verification. Threatened to have law enforcement at my doorstep within 30 minutes if payment was not received. Accused us of being deadbeats for running up the credit and not paying it off. When asked to verify agencies information ( name, address, professional license number ) became more aggressive and disconnected the call. When I attempted to contact the agency for the details, I was transferred to another collector ( XXXX XXXX ) that the previous collector ( XXXX XXXX ) was no in charge of the account. I have tried to verify Professional License XXXX through various agencies and I have not been able to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion to inform them that I had been a victim of their inquiry issue. The customer service representative would not help to take care of the negative inquiries reporting to my credit report.
I asked for the following inquiries to be removed :  XXXX - XX/XX/XXXX  XXXX  XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX   XXXX  XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX - XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX  - XX/XX/XXXX  XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report. I discovered that some of the information was erroneous. The Transunion credit bureau must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023 I apply for an American Express XXXX XXXX credit card, I did receive approval and the advertisement stated I would receive a {$200.00} statement credit after XXXX to XXXX weeks from using the card to purchase a XXXX airline ticket. I took a screenshot, and this copy. I have called American Express 4 times to file a resolution, they are refusing to credit the promised {$200.00}. This appears to be false marketing. Please help me, many thanks XXXX
Product: Mortgage

Quicken loans have alternated calling my home and cell phone 10 times in the last 24 hours,
Product: Checking or savings account

My account was closed by Chase and withdrawn by Chase fraud team and under review. I have wait for over 1 month. It's around {$9000.00}. They don't give me a date when can I receive my money and they took money away from me. I don't have any money to pay bills and rent. This is the only account I have. All my money is in there.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

In my previous complaint I attached a document that was handed to us at the XXXX XXXX XXXX titled " Conditions for Change of Account Title Authorization for Joint Account '' We want TD to identify where they have the authority in US Banking regulations and US Consumer Protection Laws to create such conditions upon their customers whereby TDs assumes that they can self-appoint themselves as their own arbitrators and remove customer rights to sue the bank in Court for damages or hold customer funds captive at their discretion? For the record our recent account change by XXXX XXXX was wrong when he assigned our children as account title holders instead of beneficiaries inappropriately. Our signature is not our consent because we were deceived and not provided a copy of what we signed leaving the branch empty handed. A title holder is not a beneficiary. 

Quote from the TD Document : 5. Should the Bank receive any process, summons, order injunction, execution, distraint, levy, lien or notice ( hereinafter referred to as Process ) which in the Banks opinion affects this deposit, the Bank may, at its option and without liability thereupon, refuse to honor orders to pay or withdraw sums from this account and may either hold the balance herein until Process is disposed of to the Banks satisfaction or pay the balance to the source of Process.
Product: Credit reporting or other personal consumer reports

I sent a letter to the XXXX asking if they report XXXX to the credit bureaus and I received a letter stating They do not report any XXXX to any of the bureaus. So if thats the case. How did the credit bureaus verify my XXXX  as XXXX XXXX accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may know any such items of information. However, such information shall not include specific XXXX information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights XXXX times. 

The credit bureaus violated my rights under 15 USC 1681.

According to 15 U.S.C 1681 section 602 A. states, I have the right to privacy.

According to 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

According to 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: Mortgage

I worked with XXXX XXXX ( Personal NMLS # XXXX ) at XXXX XXXX Mortgage XXXX on a mortgage recast beginning in XX/XX/XXXX that resulted in a 60-day non-payment of my monthly mortgage that damaged my credit report. He explained late payment was part of the standard process. Due to multiple delays and lack of responses from XXXX, I ended up still paying the monthly mortgage twice, but it was paid for future months ( currently I am paid up until XX/XX/XXXX ). I repeatedly asked XXXX why I had a late payment notification and he told me to disregard it. I see now my XXXX XXXX has dropped from XXXX to XXXX. 

All of this is documented in the attached email exchange. Please see attached XXXX  screenshot showing XXXX XXXX late payments. Please take note of XXXX 's extreme lack of follow up, and 2+ week delayed responses.
Product: Credit reporting or other personal consumer reports

For over a year I have been working with Transunion to remove debts not pertaining to me. I have contacted each financial institute to receive information about claimed debt with all of them resulting in them not having any accounts associated with my identity. After disputing several accounts Transunion claims they investigated XXXX  XXXX XXXX debt reported under my credit. However, upon contacting XXXX  XXXX XXXX myself, they were unable to find any information associated with me. Leaving me confused as of how Transunion found the debt accurate.
Product: Checking or savings account

I have no way on knowing why the Cash app closed my account. 
Over the XXXX holidays I wanted to teach my XXXX  daughter XXXX XXXX to start XXXX XXXX For this reason, I set up a custodial account for her and tried several times to wire {$2000.00} that I was gifting to her for XXXX. I initially tried to wire {$1000.00} last Friday ( XXXX ) but it was rejected. The same day I tried to wire {$500.00} but it was rejected. On Saturday ( XXXX ) I successfully sent her {$500.00} and then was rejected a second time for another {$500.00}. Finally on Sunday ( XXXX ) I successfully sent her {$500.00}. The following day I receive a message from the Cash app saying my account was closed for violating their XXXX XXXX XXXX. 

I have to assume that my attempts to send her money violated the terms and that for this reason Cash app closed my account without even telling me why. I tried to contact their support many times both on the phone and by email but they refuse to tell me what I did to violate their terms. 
If they closed my account for exceding their deposit limits does this not seems like a stupid and harmful reason to close an account? After all, my local bank does not close my account if I try to withdraw {$600.00} from the ATM when my limit is only {$500.00} per day!