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

Took out loan for {$5000.00} from Speedy Cash in XX/XX/XXXX in XXXX was told I could borrow more but whole loan was refinanced at a high interest rate no longer allowed in CA I have already paid off amount borrowed as I pay {$660.00} a month. Yet still have about 4 more years of payments
Product: Mortgage

We closed on this losn they had money sitting in an escrow of our along with all the Finance charges and late fees when we were never late and have not reimbursed us for any of that. We paid the loan off in good standings and they should do what's right on there part and reimburse us.
Product: Debt collection

I am writing to file a complaint against Grant & Weber Inc. for wrongfully placing a {$3000.00} debt on my credit report. 

My name is XXXX XXXX and I am a resident of California. On XX/XX/2019, I found out that Grant & Weber XXXXnc. had reported a debt to my credit report that had nothing to do with me. I have never done business with this company, and the debt is not mine. 
I have contacted Grant & Weber Inc. multiple times to dispute the debt and request that it be removed from my credit report, but they have ignored my requests. I have also contacted the three major credit bureaus and requested that they investigate the debt, but they have been unable to do so. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Grant & Weber Inc. removes the debt from my credit report. 

Thank you for your time and consideration. 

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

I received an alert from credit wise that my XXXX XXXX went down approximately XXXX points. This did not make much sense to me, as I have not had any significant financial changes. When I inquired further, MOHELA had reported this month that I had double the student loan accounts than I do to XXXX ( I have XXXX MOHELA student loans, they are reporting I have XXXX and double the student debt. ) MOHELA reported to XXXX that all XXXX of my student loan accounts were closed and then subsequently re-opened, which is also incorrect. I received this notification on XX/XX/year>. I reached out to MOHELA, but no one answered. I filed a complaint on the federal student aid website and sent disputes to the respective credit bureaus. There does not seem to be a change to my XXXX reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Student loan

I borrowed a number of federal loans for my doctoral program through XXXX XXXX approximately {$150000.00}. After I graduated from my doctoral program my loans were sold to Navient. Today Navient is saying I owe more than {$400000.00} ( I only graduated in XXXX ). In the detailed statements the original principals have been increased by over 60 % in which they are now calling unpaid principal. My required monthly payment fluctuates every month despite the fact that I am on an income-based repayment plan. When I have called and asked about this they say they are late fees and service fees ( they ca n't tell me from when ). Since I began repaying my loan after graduation I have never had a late payment. Navient has also auto-adjusted my interest rates to as high as 8.5 %. A couple days ago I read the news about the class action law suit against Navient and I am interested in finding out how I may get help to resolve this abuse of student loan repayment plans. I have a paper copy XXXX XXXX statement from Navient that cites my unpaid principal as {$160000.00}. However today when I go to the website in the statement they have from the exact same period of XXXX XXXX they cite the unpaid principal as {$200000.00}. I am including copies of both these for your review so you can see how they have retroactively manipulated the numbers.
Product: Money transfer, virtual currency, or money service

I was sent this email from who I thought was my title person but was from a masked email. I have reported it to the bank the next business day and was told that my recall was denied. The gmail was masked with my title persons name. 

from : XXXX XXXX to : XXXX date : XX/XX/2021, XXXX XXXX  subject : XXXX XXXX XXXX XXXX, XXXX, Florida XXXX mailed-by : XXXX signed-by : XXXX XXXX : Standard encryption ( TLS ) Learn more Good Morning, Due to the Covid-19 Pandemic, All closing funds should be wired to our trust account today to avoid delay at closing. so that funds can clear in our account on time for closing. I will send the wire instructions once you have acknowledged the receipt of this email, I will be busy with limited access to my phone. You can send an email if you need anything else. 

Thank you, XXXX XXXX, Title Operations Manager XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX ( For mailings, use : XXXX XXXX ) XXXX, FL. XXXX XXXX ( Main ) : XXXX Tele : XXXX XXXX XXXX XXXX Fax : XXXX XXXX XXXX XXXX Email : XXXX XXXX
Product: Debt collection

On XX/XX/2023 I received a letter from GB Collects LLC at XXXX XXXX XXXX XXXX XXXX NJ XXXX indicating that a debt owed to a pest control company had been turned over for collection. My name was misspelled, indicating that the correspondence was potentially a scam. A notice on the letter indicated that I could dispute the validity of the debt if I responded within 30 days of receipt of the letter. 

I responded on XX/XX/2023 within the 30 days specified by the initial notice. My response noted that I doubted the validity of the debt and requested confirmation. GB Collects did not respond to my request for validation. GB Collects has continued to send letters in what I believe to be a fraudulent attempt to recover a debt. Moreover, they failed to meet their legal requirements in validating the debt.
Product: Checking or savings account

XX/XX/year> Account open. $ XXXX deposit XX/XX/year>. Called due to no available funds and account closed. Told it would be reviewed and money returned. 
XX/XX/year> called XX/XX/year> called XX/XX/year> called- agent said case was getting escalated and that it didnt even have a number assigned yet. They said to give it a couple days to get assigned. 
XXXX called- referred on XXXX. Investigation still needs to happen. Agent said they will make a note to expedite. 
XXXX called- no update. Im supposed to just wait XXXX called. Hold for XXXX minutes. Its in process and supposed to be going back to prosperity through transfer. 
XXXX called. Hold for XXXX minutes. Its been assigned and terminated. But not submitted for closure. No update. Theres no one else that can help. Status updated that afternoon. 
XXXX called. Check was mailed. I never got it. A new check should be issued. Case number given. Status of account changed but back to funds not available XXXX. I still dont have my money
Product: Money transfer, virtual currency, or money service

Scammers impersonating police called from XXXX extorting me with threats of arrest for missing jury duty. They had real officer names, locations, details about me and said it would be resolved through bail online payment system. 
They took {$6500.00} ( {$3500.00} through XXXX  XXXX XXXX XXXX ) ( {$1500.00} through XXXX, linked to XXXX  XXXX XXXX ) ( {$1500.00} through Venmo, linked to XXXX  XXXX XXXX, using Venmo ID XXXX  XXXX ) XXXX, XXXX, and Venmo have all been notified and claims filed. 
None are getting my money back presently. 

*Venmo is of particular concern because I successfully froze that {$1500.00} transaction before it went through, but then Venmo fronted the money to the scammers and is now demanding I repay them. 
Any documentation showing this XXXX XXXX is criminal, under investigation, etc would help me resolve this with Venmo. Thank you
Product: Checking or savings account

I filed a previous complaint with the CFPB and HSBC responded stating I did qualify for the bonus. I requested an account number and received no account number. I received a debit card and no pin therefore can not register online. Today XX/XX/2020 I called again and they said they I didn't qualify for the bonus because I didn't use the promo link. At this point I want the account closed.
Product: Debt collection

XX/XX/2024 Experian. Dispute Department. XXXX XXXX XXXX XXXX, TX XXXX. XX/XX/2024 To Whom It
May Concern : Ireceived a copy of my credit report and found the following items to be errors. Here as follows are items in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS NOT MYACCOUNT AND IHAVE NO KNOWLEDGE OF THIS WHATSOEVER I am unaware of the above listed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Since last year of 2023 this only account which is not reporting on XXXX, XXXX I've dispute certain information present on my credit report provided by Experian, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( 7 ), 15 U.S.C. 1681 ( e ), 15 U.S.C. 1681 ( b ) ( c ), and 18 U.S.C. 242. I request a thorough investigation into the discrepancies and the immediate correction of the inaccurate information. Upon reviewing my credit report obtained from Experian, I have identified several inaccuracies that are of significant concern. These inaccuracies are not only damaging to my creditworthiness but also constitute violations of federal laws designed to protect consumers ' rights and ensure the accuracy of credit reporting. Under 15 U.S.C. 1681i ( 7 ), Experian is required to conduct a reasonable reinvestigation of disputed items upon receipt of this dispute letter. Furthermore, the inclusion of inaccurate information, such as [ Dept Of Education XXXX ], violates 15 U.S.C. 1681 ( e ), which mandates that consumer reporting agencies maintain accurate and up-to-date information on consumer credit reports. Moreover, the inaccuracies on my credit report may also constitute violations of 18 U.S.C. 242, which prohibits deprivation of rights under color of law, as well as 15 U.S.C. 1681 ( b ) ( c ), which outlines the duties of consumer reporting agencies regarding the accuracy of consumer information. I am enclosing copies of documents that support my claims and aid in the investigation. I request that Experian conduct a thorough investigation into these matters as mandated by the FCRA and take the necessary steps to rectify the inaccuracies promptly. Additionally, please provide me with written notification of the results of the investigation and any actions taken as a result. Furthermore, as per federal law, I request an updated copy of my credit report reflecting the corrections made after the completion of the investigation. Failure to adhere to the FCRA 's requirements may result in further legal action, including but not limited to pursuing remedies available under the law. I expect a swift resolution and the accurate representation of my credit history
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection : XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year> Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX, HI XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX, HI XXXX Also Known As : XXXX, XXXX, XXXX Name XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I accepted a loan in return for retention of earnings doing XXXX work from Fundo. I no longer do XXXX and no longer use the associated account. I attempted to change the account with fundo that they do the agreed withdrawal from. They did not change it and kept attempting to debit that account. We reached an agreement to pay 4 times what the amount of borrowed was. The agreement was if I had to change a payment date that was OK I am not paid XXXX XXXX. The agent insisted I take an arrangement with payments every 3rd week. She said I could change a payment date. In the process, they filed a XXXX XXXX and my electronic payment accounts with XXXX and XXXX, both of which have money on them, are frozen. 

I missed an agreed payment date and advised them I would be able to make that payment on XX/XX/XXXX. The agent tried to charge my debit card even after acknowledgement that we would change the date, daily beginning on XX/XX/XXXX. She now considered my account defaulted and is adding on fees and increasing the amount owed by XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased vehicle in XX/XX/XXXX through Fifth Third Bank. I changed insurance company XX/XX/XXXX, XXXX.and at the end of XXXX I cancelled my old policy with progressive and backdated the end date to XX/XX/XXXX, the new policy was in effect but it shows the start date was XX/XX/2017, which is a two day discrepancy. Fifth Third Bank contacted me and asked for proof of insurance. I inquired if the vehicle insurance card was acceptable and I was told yes. I sent the card and about a month later they contacted my a second time and asked for the declaration page. I sent that document to them also and they sent a letter stating that I owed them for two months of insurance because their record show I didn't have any so they place insurance on the vehicle. I provided them with insurance information and wrote a letter in an attempt to resolve this issue, they were rude on the phone and continuedly would tell me they didn't receive no letter or any information pertaining to proof of insurance. They are demanding {$710.00} for two months worth of forced insurance and are adding XXXX per month late fee even though I have proof that the vehicle was covered. Also they have adversely affected my credit by reporting late payments to all credit bureau causing my score to drop which has blocked my from acquiring new loans.
Product: Debt collection

I have a late payment by about a week or two ( nothing severely past due ), and OneMain Financial calls multiple times a day, usually leaving no messages or very short messages that do not indicate who they are or what they are calling about. This has happened since the day after I missed the payment. I only knew it was OneMain by looking up the phone number whose call I missed. After not answering for about a week, they began calling my employer 's number asking for me at work. This is not at all okay as I keep my financial difficulties private. I am waiting to get paid so I can make my late payment next week and would appreciate them stopping harassing me, especially at work.
Product: Money transfer, virtual currency, or money service

I am being blacklisted by all businesses in America that provide international money transfer which has been going for five years nowl This includes XXXX XXXX, Xoom XXXX XXXX XXXXXXXX, etc. Xoom officials said I was denied their overseas money transfer services because I was listed on a list you maintain prohibiting any overseas money transfers I wish to send overseas. I have received the same explanation from all the other providers listed - no service. 

I don't have a criminal record, I always pay in cash and do not have a derogatory record and need to know what is the reason I am being deprived of this pubic service without an explanation or any basis for denying me service.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been stolen, probably as a result of the 2017 Equifax security breach. 
By getting access to my social security number and other personal information, ciminals have applied for unemployment in my name. They are opening up bank accounts without my knowledge. 

I have been unable to reach Equifax to freeze my account. I can not reach any agents by phone or email. Their automated services do not work. 

I have been on hold up for over four hours at a time without anyone answering.
Product: Credit reporting, credit repair services, or other personal consumer reports

CitiBank dropped my credit limit by {$7500.00} on my two credit cards ending in XXXX and XXXX in a letter dated XX/XX/XXXX. 
The card ending in XXXX was reduced from {$3000.00} to {$500.00} and the card ending in XXXX was reduced by {$7000.00} to {$2000.00}. 
My card ending in XXXX was opened around XXXX - XX/XX/XXXX. 
The letter indicated that XXXX  reported my credit score as XXXX on XX/XX/XXXX. But my XX/XX/XXXX XXXX XXXX was around XXXX as per the XXXX XXXX report. My credit score never dropped by XXXX points in 1 day! 
I called the customer service of Citi bank and they asked me to open a complaint with XXXX. I called XXXX  and they mentioned they can only give me my 'current ' credit report and not any historical report. XXXX  can open a complaint only for a mistake on the credit report and started asking money for historical reports. 
I notified Citi Bank and they asked me to send the XXXX XXXX report to a specific address. 
I sent 4-5 letters to Citi Bank and all were sent with XXXX priority mail and tracking showed that all letters were delivered from the past 6 months. But Citi Bank didn't respond by letter to any of my letters. 
Because of the actions of Citi Bank and a bad response to its long-term customers, my overall credit percentage compared to credit limit increased that impacted my credit score. My credit score reduced by this massive drop. Other credit cards followed the suit and the credit limit further dropped by nearly {$10000.00}. 
Other things they mention in the letter is that generic statements saying my card balance on other credit card is high. Question is, how does Citi Bank know if the other credit lines I have are with 0 % APR or not? You look at credit cards with your bank first and see how much effort I had made to pay off the Citi Bank cards and improve

my credit score. The action of Citi cards only indicates
that they do not want consumers to pay off their credit cards.
Product: Money transfer, virtual currency, or money service

I received several emails and calls saying someone was trying to get into my Venmo account, so I reset my password. After resting my password, I tried to log into my account and I just kept giving me this error message " OAuth2 Exception : Unable to complete your request. Please try again later. '' I tried logging in on the app and my computer and I keep getting the same error. I reached out to Venmo support via email and I haven't heard anything back. I tried calling them and it is just an automated message that won't let me talk to anyone. I tried reaching out using their " chat '' feature and again, it is just an automated bot that won't let me talk to anyone. None of their support documentation talks about this issue. I am at a loss and I don't know how to get into my account. I have money in that account and I need to get out.
Product: Bank account or service

DISCOVER BANK IS UNFAIR! THEY PROMISED TO SEND ME FORMS TO DISPUTE A FRAUD THAT XXXX DID ON MY BANK ACCOUNT! I NEVER RECIEVED THE AFFIDAVIT AND DISCOVER IS CLAIMING THE CASE WILL BE CLOSED IN THE FAVOR OF THE MERCHANT BECAUSE I DID NOT SEND THE FORM! I NEVER RECIEVED THE FORM TO BEGIN WITH!
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite XXXX-day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within XXXX ( XXXX ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 
NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

Your agency is in violation! 
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 XXXX  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.