23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Opened a Citi Checking account which offered a {$400.00} bonus for depositing {$15000.00}. I have done so and still have not received the bonus within the prescribed time period. I would like the {$400.00} bonus credited to my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Original creditor : XXXX XXXXXXXX XXXX ) XXXX Date opened XX/XX/2020 Balance {$0.00} is reporting on my personal credit file with ( XXXX ) credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX  Consumer Fraud Division XXXX. XXXX XXXX XXXX, GA XXXX I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX-, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX {$1300.00}, XXXX   XXXX XXXX XXXX {$410.00} to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ). 

This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX - XX/XX/XXXX : I was a victim of a pig butchering scam, where a third party scammer in the UK coerced me to 'invest ' money into a business, and other exploits, through PayPal . The scammer convinced me to use the friends and family payment method, and because of the nature of the scam, I believed it was legitimate. I was then gaslighted and extorted further via a recovery scam to protect my already invested money ( for a total of {$60000.00} ). This money was explicitly lent, not given. 

XX/XX/XXXX : I contacted CFPB and the State Attorney General over the phone, and was assured that scams like these should be classified as an unauthorized transaction. If this is indeed the case, why was my case rejected, due to the fact it was 'authorized '? 

XX/XX/XXXX : I fully become aware I am being scammed, and immediately called PayPal to attempt a resolution, who in turn told me to contact XXXX XXXX, as they could only get my money back if approved by my bank. This is due to the fact that the scammer insisted I use the 'friends and family ' function. 

XX/XX/XXXX XXXX : At the advice of CFPB and other agencies, I contacted the XXXX Police Department to file a police report regarding the incident. Additionally, CFPB once more agreed this case was a scam. 

XX/XX/XXXX : At the advice of the CFPB, I submitted a report to XXXX regarding this scam. 

XX/XX/XXXX : I submitted my FTC, FBI and Police reports to PayPal over the phone, to a supervisor. 

After finishing proper discussion with XXXX XXXX, and after some back and forth, the bank agrees with my situation. I have been told that the responsibility lies on PayPal to refund the money properly.
Product: Credit reporting or other personal consumer reports

The balance on this account is incorrect and hasnt been updated per my request the I thought the fair debt collection act was supposed to protect me for company reporting however they want
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMorgan Chase & Co is who I bank with, checking, and credit card. I am in the middle of trading my car that's paid off in on a new car and was going to use the equity to pay off my credit card, I was under the assumption chase was being paid the full amount and in fact check was delayed, I had no idea nor was I informed so I got 30 days late. Once it hit my credit report as 30 days late I took care of it and asked them to remove it seeing it wasn't late anymore and they are flat out refusing to do so out of any kind of courtesy for an over a decade long customer. I explained when XXXX ran my credit it had dropped over XXXX points over this making the new car impossible along with me paying my debt to them. Along with ruining a decade of perfect payment history on credit bureaus. I have looked and talked to many people that they have removed 30 late`s for thousands. And the only reason this has happened was lack of hours ( work ( due to COVID. Any help would be very appreciated on this matter.
Product: Credit card or prepaid card

I had a promotional 0 % interest rate on my Bank of America credit card until XX/XX/2019. At that point, I changed my payment options to pay the amount due as opposed to the minimum amount. However, for some reason this payment plan did not take effect, even though it still shows that the amount due payment option still reflects on the website. 
For that reason, I am requesting that Bank of America waive the {$95.00} of interest. 
Here is the list of amounts : {$24.00} XXXX {$21.00} XXXX {$19.00} XXXX {$14.00} XXXX {$9.00} XXXX {$4.00} XXXX {$95.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, I noticed that some late payments posted to my credit report : XXXX XXXX This company is in clear violation of the law, Under 15 U.S.C. 1681b - permissible purpose of consumer reports, The Clearly States : In general.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to finish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. -- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C. 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unauthorized inquiry on my report that I would like removed. I am unaware of its source and request it be deleted from all three credit bureaus. Inquiry dated XX/XX/2019 XX/XX/2019
Product: Payday loan, title loan, or personal loan

I took out a title loan for {$1500.00}. I agreed to pay XXXX a month for 36 months. In XX/XX/2019 during the coronavirus lock down I called to ask if theres anything that they could do to help me out during this lock down time. They said no problem. They could let me skip the month & tack on the missing payment at the end of the loan. I said all I would owe is one additional months payment of {$260.00}? They said yes. I have paid every single month by the due date & expected to owe one more additional month, now theyre saying I owe an additional {$2700.00}. That was never discussed. Or even implied. I have paid over XXXX for a {$1500.00} loan, on time & no one ever said Id owe an additional {$3000.00} for extending one {$260.00} payment to the end of the loan! Please please help me. This company is ripping me off & lying about it. I dont know what to do.
Product: Debt collection

Violation of the Fair Credit Reporting Act. 
False reporting of negative credit info. 
Did not provide proof of authentication of alleged debt.
Product: Money transfer, virtual currency, or money service

I have sent money through Zelle and it has never got to the person Im sending or I cant send on my end or I cant receive I have lost so much money behind Zelle its utterly ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these inquiries which appear on my credit report.
Product: Credit card

Made a payment to my credit card thru wire transfer credit card company got the money applied to my account but then it disappeared they wouldn't tell where is my money or wont give it back
Product: Payday loan, title loan, or personal loan

I applied for a HELOC through Navy Federal through their online application. I selected options from a drop down and filled out like I was asked. I was then charged {$5.00} for a credit check and they ran a hard credit check. I then received a denial letter because they didn't offer the product that I applied for.
Product: Checking or savings account

XXXX XXXX XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX broke company-customer confidentiality laws by unlawfully handing over legal documents that were given to them by me to another company without my express permission to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, 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: Vehicle loan or lease

USAuto went out of business then a company called westlake have been calling threatening to take my car Im driving a XXXX XXXXXXXX XXXX I have never sign any paperwork with this company they calls me 7 days a week for payment I have had the car for XXXX years and they asking me to pay almost XXXX for the car
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of inaccurate/fraudulent information reporting on my credit file. I am extremely upset that the credit bureaus are allowing this inaccurate information to be reported. My reputation as an consumer is being tarnished and it is causing emotional and financial hardship. I have tried to resolve this issue with Equifax directly but it seems as if I am not being taken seriously and my attempt to resolve this issue is being ignored. I have sent letters to the credit bureau for the last 4 months and I have yet to receive a resolution of the inaccurate/fraudulent items to be deleted from my credit file. My first letter was mailed out on XXXX of XXXX and I have sent several letters since then. After doing my own research I learned that the " Consumer Finance Protection bureau '' CFPB is the governing body over all credit reporting agencies. I am expecting you to help me resolve this problem and enforce your power to make the credit bureau do their job to not report inaccurate/fraudulent accounts on my credit profile that damage my credit worthiness and overall reputation. My rights as a consumer are being violated according to the " Fair Credit Reporting Act '' FCRA. I also did not give the credit bureau permission to report these inaccurate/fraudulent accounts so the must be deleted immediately according to the FCRA. Please help me resolve this issue to remove these inaccurate/fraudulent accounts from my credit file. 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This account is inaccurate and I'm seeking litigation please delete at once 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This account is inaccurate and I'm seeking litigation please delete at once 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This account is inaccurate and I'm seeking litigation please delete at once 4. Violation of FCRA XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once 5. Violation of FCRA XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once 6. Violation of FCRA XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once
Product: Student loan

this institution as permanently closed due false claims against thousands people including myself they promised us all who attended or was attending this lame XXXX institution a bright future down the road but  was all lies they scammed us into loaning millions of dollars to honest people who wanted a education to better themselves until they didn't or better yet failed at it but now the u.s dept. of education want 's us to pay back money that was given to us by this institution that XXXX i will no longer pay anything i will continue to fight this matter until those who were victims including myself get our loans forgiven i will keep filing complaints until my voice is heard
Product: Credit card or prepaid card

I APPLIED FOR AN SYNCB/XXXX STORE CREDIT CARD ON XX/XX/2019. I WAS UNDER THE IMPRESSION THAT THIS WAS A PRE-APPROVED SOFT INQUIRY CREDIT APPLICATION. WHEN I REALIZED THAT IT WAS A HARD INQUIRY AND THAT I WAS NOT IMPROVED, I ALSO RECEIVED AN ALERT FROM MY XXXX   XXXX ACCOUNT AND LEARNED THAT THIS EFFECTED MY CREDIT SCORE THAT I AM WORKING REALLY HARD TO IMPROVE. I DID TRY TO CALL A NUMBER PROVIDED FOR THE CARD COMPANY, BUT UNFORTUNATELY THE NICE LADY SAID IT WAS ALREADY OUT OF THEIR CONTROL. I WOULD NOT HAVE APPLIED IF I THOUGHT I WASN'T PRE-APPROVED. MY GOAL WAS TO HELP BUILD UP MY CREDIT SCORE BY MAKING PAYMENTS ON TIME WHILE ALSO PURCHASING A GIFT. I HAVE ALSO HAD A SIMILAR PROBLEM WITH AN ONLINE STORE/AUCTION SITE THAT I DID NOT REALIZE I HAD UNTIL CHECKING ON THIS SITUATION. I WOULD REALLY APPRECIATE ANY HELP THAT I CAN GET TO NOT LOWER MY CREDIT SCORE WITH THIS CONFUSING MISHAP. THANK YOU VERY MUCH!
Product: Debt collection

I received a call from a young man who never identified himself he just asked for me by name and asked me to verify my DOB and SSN # before he could inform me of the purpose of him calling. I told him I would not be verifying any personal information and asked that he not contact me again if he could not inform me of who he was and the purpose he called for, as well as the company he represented. This man yelled to me " XXXX you need to pay your XXXX bills then, I told your XXXX XXXX I needed to verify your XXXX but you keep running your XXXX Mouth. '' I honestly thought this was a bad joke? No it was real I heard a call center background and laughter and then I heard a female in the background say to him " I hope there is no one on the other end of that line, because you just violated federally mandated laws as well as codes and ethical policies here. '' Then the phone hung up, so I called the number back. This representative ( I called the number to verify it was a place of business after, his outburst over the phone towards me ). The company is NCA- National Credit Adjusters, I stayed on the line and spoke with another ( different ) representative who I told about the incident and asked that I never be contacted by them again, he was as upset as I was and asked me to hold for him to get a supervisor, but we got disconnected and I had to go to work.
Product: Debt collection

I've had different loans with OPORTUN and never had a problem. This current loan has to be paid on the Friday that I do not get a pay check. I spoked to them and they said it can't be changed, that all I could do was to make an upfront payment, which I did so I wouldn't be waitinf till the next Friday to make the payment ( {$110.00} ) but now they say that the " upfront '' payment I made wasn't taken as that, instead it was taken as an extra payment, so every 2 Fridays I make my payment, and it's late. 7 days late, wich really isn't as I made that upfront payment precisely to avoid this. So, when my payment is due, at the next Monday ( 48 hours past due ) they start calling 4 times a day and send me several text messages and emails, I've told them what happend, they say they can not count that payment as an upfront and that I need to make regular payments as that one was taken as an extra one. I've told them to stop calling as many times as they do. I was once at the XXXX  XXXX XXXX XXXX and I tols the lady and 2 hours after that they called again, I replied to a message telling them I was going to fill a report and they said they would add a note, then today when they calles I told them I was going to fill a complaint about their calls and they said they will be waiting for my lawyer 's call, as if she was making fun. I can't deal with this anymore and is not like I'm not paying, I just have to do it like I tried to tell them, fix my payments due date to the Friday that I receive my paycheck and they say it's impossible and even though I gave them that upfront payment, they say they can not count on that as a regular payment in advance. I am so tired of this, this is extreme harassment, 48 hours past due and they start with their messages, emails and calls. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NOTICE OF DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to XXXX years of imprisonment, in addition to civil liability. 

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission or without permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C. 1618b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. supp 2d711 ( S.D Ind.2003 ) I have not initiated any transaction with XXXX XXXX XXXX XXXX XXXX furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Americredit XXXX for review for collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under XXXX XXXX, imprisoned for not more than XXXX years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C 1681n ]. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via certified funds to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX2017 I sent in ( certified ) debt validation letters on behalf of myself, to all three credit bureaus. As of today, it is XX/XX/XXXX and I have yet to get a response regarding the matters on my credit report. It is well over 30 days, now entering the 60 day mark and past the grace respond period time. I am now requesting that all collections be removed from my credit report due to negligence by the companies to respond to my request in a tactful manner. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking at my credit report I noticed that there was a negative entry on my report that has stemmed from Identity Theft and I am not responsible for. The date the account was opened was in XXXX of XXXX  and the fraudulent amount {$18000.00} that I am not responsible for. I have read and understand my rights under sections 605B and section 609. Furthermore my information was passed on to third party consumer agencies that is a violation of my federal consumer rights. I have not reached out to the company however I did file a police report and a IdentityTheft report and mailed them to all three major credit bureaus fraud department.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
35.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My accounts with Fedloan servicing were under forbearance and deferement and yet they refuse to update my credit reporting to reflect this. Going against both Sec. 463 ( C ) ( 4 ) ( A ) of the HEA and section 623 A ) ( 2 of the FCRA. This is literally ruining my life. It accounts for 95 % of my negative credit reporting and again.. these accounts were under approved forbearance and I had no reason to make payments.

FTC advisory opinion related to this can be found at. 
https : //www.ftc.govXXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I reviewed my credit report and found a collection account listed under XXXX XXXX XXXX, associated with XXXX XXXX XXXX XXXX This account appears to be related to a medical debt, which may be regulated under recent medical debt reporting guidelines and HIPAA . 

On XX/XX/year>, I sent a certified letter to XXXX XXXX XXXX requesting validation of the debt. To date, I have not received proper validation from the collector. Despite this, Experian has not removed the account from my credit report, failing to follow the Fair Credit Reporting Act ( FCRA ) requirements, which mandate that unverifiable information be deleted. 

Additionally, I submitted a dispute to Experian due to multiple reporting inconsistencies. For example, the last reported dates and dates of last activity differ significantly across bureaus. Furthermore, the account lacks any payment history, which is highly unusual for a collection account. 

Given that this account is potentially medical in nature, I believe it should comply with federal guidelines around medical debt reporting. Experian has failed to address these issues, despite my dispute, and has not corrected the inaccuracies. 

I am requesting the CFPBs assistance to ensure Experian conducts a thorough investigation, validates the debt per FCRA requirements, and removes this collection if verification can not be obtained.