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

On XXXX XXXX, I requested a payday loan online for the amount of {$800.00}. I was told the amount that was going to be took out of my account each pay period, {$210.00}, however the APR rate was not mention. I was told that when I log into my account I could see the loan and interesting rate. As of XX/XX/XXXX, that information was not given until XX/XX/XXXX on my account. In the state of Colorado it is illegal for a payday loan to charge over 36 %. This law was put in place XX/XX/XXXX. This is illegal for this company to charge me this total amount of over {$3000.00}.
Product: Debt collection

Im not sure about the debt. I dint even know what address this debt belong. I wrote original creditor and asked for signed contract but couldnt show one. I dont owe this debt and never knew where this cane from not mine. Perfect collection will not take off my credit report fir a XXXX account that I never signed up for. I have resided at my address for 6 years
Product: Credit card

This is a follow-up on complaint # XXXX. I received XXXX communications from the company which are attached. See Synchrony XXXX XXXX and Synchrony XXXX XXXX. 

Both claim that they applied my payments as I requested. Both contain NO NUMBERS. Both are TOTAL LIES. They DID NOT APPLY MY PAYMENTS AS REQUESTED. In fact, they reversed on of my payments in an attempt to make me pay MORE interest when I OWE NO INTEREST. 

I wrote an extensive explanation of the problem which is also attached. See XXXX  XXXX  Complaint Letter. I assume that the statement I just received ( XX/XX/year> XXXX ) is the XXXX referenced in Synchrony XXXX XXXX. As you can see, they applied the payments I made in some random fashion and now claim that I owe {$65.00} in interest when I owe none.
Product: Mortgage

We went to refinance with another company due to the XXXX XXXX at the time increasing my monthly payment close to {$400.00} - per them they under estimated my escrow. Not really sure how that could have happened when virtually nothing had changed over the year. The property taxes may have increased {$150.00} over all, but that in not way constituted that high of an increase. Went to closing, I was told that the payoff balance included the XX/XX/XXXX payment. I had made the payment, then once I found out the payoff included that amount, the XX/XX/XXXX payment was reversed. A week later the XXXX rejected the wire transfer as they are now stating funds were short. Thus the XX/XX/XXXX payment, they had advised not to pay, since it was included in the payoff amount. The attorney went over all the numbers & confirmed to me that the payoff amount wired to them indeed included that XX/XX/XXXX payment. They now have left me threating phone calls & sending me XXXX to Foreclose on my home. I have Never missed a payment with this company. We spoke to a gentleman with the said company & he advised that they would accept the wire next time it was sent through. I has bounced back yet again. XXXX they had also advised I had money in escrow in XXXX phone call & then in the next call advised I had a negative balance - not sure how that can happen. I just want this matter closed out & finalized - I am already ready to move on with my new XXXX & making payments to them. Thank you for your time & assistance in this matter.
Product: Student loan

On Friday, XX/XX/2023, I made a payment totaling over {$100000.00} on my Neltnet federal student loans. I allocated the payment to pay off four of my thirteen federal student loans. The funds have been taken out of my savings account, but have not been applied to my loans. Because the funds have not been applied to the loans that I paid on, the loans are accruing interest. I now owe more money on the loans despite paying off the entire loan amount. As of XX/XX/, the funds still haven't been applied to the loans and they are still accruing interest.
Product: Student loan

In XX/XX/XXXX, I received a letter from a collection agency. I did not recognize the debt and called to find out what this was for. I was told it was from the Dept of Ed. I told them that I did not have any outstanding debt. I requested proof. They mailed me a copy of some application. I wrote a letter in return stating that the name signed on that application was not mine. The ss # was not mine. The date of the application shows that I was a minor at that time. I never heard back from them. 
This year of XX/XX/XXXX, I was waiting for my Federal Income Tax Refund which was delayed. I called the IRS to find out where it was. I was informed that it was taken by Windham Professionals Collection agency.
Product: Credit reporting

It has bee over 60 days and no response from the Equifax. Please have to correct or remove this information ASAP! As I can not get credit do to this errors. 


XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX, XXXX Equifax XXXX XXXX Imply an investigation on the creditor, payment status, high credit, and the 24 month payment history. 
XXXX XXXX XXXX XXXX I am puzzled on this accounts information such as the payment status, comments, high balance, and terms. 
Possibly verify the data and repair or remove it from my credit file immediately Incorrect Name XXXX XXXX Can you make sure my name is presented completely. 
Update. XXXX XXXX XXXX A verification is needed on the status, comments, and the payment history. 
There could be mix up data and so repair what is needed or delete off my credit report XXXX XXXX HM MORTGAG XXXX If you could please compare your documents as i feel the account number, balance, pay status and high credit could be mistakenly reporting. If not accurate please withdraw from my report I thank you so much for taking the time to help me fix this all up as the commercials said you would be helpful in fixing this kind of stuff. 
XXXX XXXX XXXX DOB : XXXX/XXXX/XXXX SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Accounts XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX Balance : {$14000.00}
Product: Checking or savings account

On XX/XX/XXXX, I was doing my XXXX XXXX  by fueling my XXXX XXXX at XXXX XXXX XXXX in XXXX, PA using my XXXX XXXX XXXX XXXX The truck broke down and I needed a boost. I called on the services of XXXX XXXX XXXX  for a boost. After the tow truck driver boosted my XXXX truck, I gave the tow truck driver my Chase Debit Card to authorize the charge of {$180.00} and while that was going on, I had to stay with my XXXX  truck to rev the engine to prevent it from breaking down again. The tow truck driver gave me my receipt from his card machine and I left at XXXX for XXXX as my XXXX  truck was being exported to XXXX XXXX I checked my account later and noticed a charge of {$77.00} at XXXX but I did not buy anything for {$77.00} at XXXX. I called Chase Bank and they told me my card was used at a XXXX XXXX XXXX XXXXXXXX for fuel and the transaction was completed at XXXX in which I told Chase Bank that I left at XXXX. Chase Bank said I should report the transaction as fraud and a new bank card would need to be issued. On XX/XX/XXXX, I called XXXX XXXX XXXX and reported my Chase Card was used for an unauthorized transaction at their fuel pump. XXXX XXXX XXXX investigated my claim and told me that the tow truck driver after taking my Chase Debit Card, used it at the pump to get fuel and then went inside his truck to get a card machine. XXXX XXXX XXXX gave me a case number by email. I called Chase Bank 's fraud department and reported the transaction of {$77.00} and told Chase Bank that I only authorized a transaction of {$180.00} was the XXXXXXXX XXXX XXXX  not {$77.00} for fuel at XXXX. Chase Bank took down my report and cancelled my Debit Card and issued a new Debit Card. On XX/XX/XXXX, I uploaded the email from XXXX with the case number. On XX/XX/XXXX, Chase Bank denied my claim and said no fraud was committed. I called Chase Bank and told them that I did not give authorization for {$77.00} only {$180.00} and I even asked how did the tow truck driver by pass putting in my PIN to allow the unauthorized transaction of {$77.00}? I have already provided Chase Bank the case number with XXXX XXXX XXXX and XXXX XXXX XXXX has documented the video evidence. I should not on the hook for a unauthorized transaction for {$77.00} at XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I received a payment from another person via PayPal. I was notified of the payment transfer because PayPal sent me an e-mail stating the I received the funds. However, when I logged into my PayPal account, my PayPal balance or activity did not reflect the transaction. As such, I followed up with PayPal by placing a call and inquiring of the missing funds. PayPal agreed that they did send an e-mail notifying me that the funds was sent, but unfortunately can not track the payment made. PayPal states this is possibly due to a glitch on PayPal 's end. As such, the payment was lost, so I never received the funds, and the person that sent me the funds lost the amount because I never received this amount. 

When I asked to file a formal compliant with PayPal, PayPal states that they do not have a formal complaints process and customers may only speak with Managers. In addition, PayPal does not have process to receive and escalate these disputes or complaints. 
I spoke with Employee with ID # XXXX.
Product: Checking or savings account

I went to deposit my check on XX/XX/XXXX and they said the funds would be available on the XXXX at the teller window of bank of america. Then I get a email saying they are placing a hold on my check until the XXXX, this is 12 days after I deposited my check. They have received funds from the bank but are not willing to release them for no reason at all. This is pure discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have student loans through Navient from 3 different schools that are reflecting 120 + days late payment. First off, the starting and ending dates of these loans are when I was a current student. Therefore, there is no way these loans can be late. After completion of school, I utilized the Income Contingent Plan that is updated yearly
Product: Credit reporting or other personal consumer reports

This complaint has been filed with the Consumer Financial Protection Bureau ( CFPB ) to request that XXXX, XXXX and XXXX the credit reporting agency, block fraudulent information from my credit report as required by FCRA 605B ( 15 U.S.C. 1681c-2 ) within 4 business days of receiving this complaint. The fraudulent items in question include a personal credit card account opened with XXXX XXXX opened XX/XX/XXXX, an auto loan account opened with Credit Acceptance on XXXX  XX/XX/XXXX, An Auto loan account opened with XXXX XXXX  XX/XX/XXXX, and a Credit card account with self-opened XX/XX/XXXX, related to the aforementioned loan. These fraudulent accounts have caused multiple hard inquiries and collections to appear on my credit report. I do not recognize any of these accounts, collections, or inquiries, as they were not opened or authorized by me. All of these entries are the result of identity theft and fraud. Attached are copies of the hard inquiries, my XXXX credit report showing the fraudulent items, and the FTC Identity Theft Criminal Complaint, which verifies that these actions are a result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the only correct address that should be listed on my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ky XXXX Also my correct name spelling is XXXX XXXX XXXX this is the only correct name that should be listed on my Credit Report I have no other variations of a name.. Also I have only one phone number XXXX I have provided complete documentation to the Credit Bureau 's on multiple occasions by Certified mail and still they have not corrected the Personal Information
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX there was a fraudulent payment made from my cashapp to a scam cashapp account. I contacted cashapp support several times informing them of the situation and they repeatedly told me they can not reverse complete payments even after I informed them that this wasnt a truthful and honest transaction. I was hung up on, prompted to hang up and ever belittled by one of the reps who just constantly kept repeating the same line after I asked what they can do about my stolen money. They even told me the only way to reach a resolution is to contact the mystery scammer and ask for my money back
Product: Money transfer, virtual currency, or money service

I don't know if this the right place to submit this, but I had already tried to reach a solution with the companies involved, but they had not been any help. 
I had sent someone {$45.00} over PayPal for the shipping of an otherwise free item on XX/XX/XXXX. This item never arrived, but the seller had sent something that was not the item promised, ( or made up a fake tracking ID, I'm not sure ) the item is not in any post office in my local area, nor is it in my mailbox, nor was it ever on my front door. 
I had submitted a claim to PayPal about this, but because the seller had a tracking ID, my claim was denied despite it being resolved. 
Later, I had submitted a complaint to XXXX, the app I had gotten in contact with the seller through, and they had essentially responded with " Sorry that happened, we can't do anything. '' Any way I had tried to get my money back from this scam has come up empty. This is my last hope and would enjoy a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the accuracy of the inquiries on my credit report, as I have reason to believe that they are fraudulent. Upon reviewing my credit report, I found several inquiries that I did not open nor have any knowledge of. The following inquiries appear to be fraudulent : XXXX date of inquiry XX/XX/20XXXX XXXX date of inquiry XX/XX/2021. I want to make it clear that I did not authorize these inquiries to be opened, nor did I give anyone else permission to open them on my behalf. It is possible that I am a victim of identity theft, and I am taking appropriate steps to report this to the authorities. I am requesting that you investigate these inquiries as soon as possible and remove them from my credit report. As per the Fair Credit Reporting Act, I expect a thorough and reasonable investigation into these disputes. I have confidence that you will find these inquiries to be fraudulent and therefore, should not be included in my credit report.
Product: Money transfer, virtual currency, or money service

My XXXX provider, Merrill Lynch made XXXX transfers to an account that is not mine. The first occurred on XX/XX/year> for {$270000.00} and the second occurred on XX/XX/year> for {$13000.00}. Both were transfered to XXXX XXXX XXXX I have the routing and account numbers where the transfers were make. I have no account at XXXX XXXX XXXX 
Merrill Lynch never contacted me that these transfers were taking place.
Product: Credit reporting, credit repair services, or other personal consumer reports

There seems to be an error on my consumer report furnished by ( Experian ). On my consumer report, there are late payments reported which is causing damage to me as a consumer and limiting my ability to extend credit. I allege that ( Experian ) is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is ( Experian ) attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has ( Experian ) has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : DEPTEDXXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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 or other personal consumer reports

Experian is not responding or answering their calls, I've tried contact them, I got nowhere with them. 
My credit report is outdated since XXXX. 
It is now XXXX! 
How do I speak to a live agent they keep hanging up on me?
Product: Debt collection

XXXX XXXX my mother had a form from a collection agency. It has three accounts they were trying to collect on. One account my mother was a co signer on. The other two accounts she was not. She called me in a panic and wanted me to call the agency to assure she was not responsible for the other two accounts. I called they denied sending the letter to my mother with my other two accounts, she is not responsible for. They wanted a copy of the letter for proof. XXXX XXXX I went to the office and gave them a copy of this one letter even though my mother had gotten more than just the one. The manager was not in and would call the XXXX. She did call the XXXX she did say they made an error and it wont happen again.. at that time I told her it had happened multiple times and I do n't feel that I should not be responsible for paying the debt. She did n't seem to be sensitive to the situation at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TX XXXX AR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TEXAS XXXX XXXX XXXX XX/XX/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 XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accounts with Affirm on XX/XX/XXXX and XX/XX/XXXX have been opened using my personal information and now are on my credit report as delinquent. I have contacted Affirm ( XXXX ) and have opened cases with them and I have explained to them that this is fraud and not mine but have gotten no where with them. The charges are for XXXX for a trip to XXXX. I have a passport that will prove that I have never been to XXXX nor anyone that I know has gone there. I have found out that who ever has done this is using a very old e-mail of mine ( XXXX ) that is associated with my XXXX account. I have also opened a fraud alert with XXXX. Please advise what other steps I need to take to get this off my credit report.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX