23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I took out several loans as an XXXX between XXXX and XXXX. In XXXX I paid off all of the loans as they appeared in my student account, yet in XX/XX/XXXX I received a letter from a loan provider ( ECSI ) stating that I owed payment on a XXXX loan in the amount of {$1500.00}. After 2 weeks of calls back and forth between ECSI and my university ( XXXX XXXX XXXX XXXX XXXX XXXX, I eventually learned that XXXX neglected to process this loan until XXXX, which is why I never saw it on my student account and why I didn't pay it off. 

I have since spent hours of my time reaching out to XXXX asking for two simple pieces of information : 1. Can they provide me with proof that I accepted this loan in XXXX, and 2. Can they provide me with an explanation about why this loan remained unprocessed for a decade, and therefore unknown to me. Each time I have contacted the university by submitting a help desk ticket, they have told me to contact ECSI and closed the ticket. I have submitted new tickets and explained that ECSI actually can not provide me with these answers, and XXXX provides the same response before closing the ticket again. I have also called XXXX several times, and even left work early to go to the university in person, but the response has always been the same : rude, dismissive, and extremely unhelpful. One agent even told me that this loan remained unprocessed because I was partially enrolled at the university between XXXX and XXXX, which is just blatantly untrue ; I graduated in XXXX and moved out of the country, so was in no way, shape or form still enrolled. I did return to XXXX for a graduate program in XXXX, and graduated in XXXX - I can only assume that my graduation is what triggered this whole mess. 

I find myself feeling incredibly frustrated at the university and their blatant disinterest in helping me solve a problem that is theirs to solve. I do not understand how they neglected to process a loan for a decade, yet can not provide me with any explanation about how this happened. I've been operating under the assumption that all of my loans have been paid, and it's overwhelming to learn that this is not actually the case.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronics Fund Transfer Act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation proves I was never late with XXXX XXXX and Experian is the only one that will not UPDATE my account to CURRENT/NEVER LATE
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again in regards with the accounts listed below to inform you that I am the one disputing this debt. I have a loan with XXXX XXXX XXXX. The current status should not be showing late because I paid it on time. EQUIFAX Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 


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

In accordance with The Fair Crediting Reporting act XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, and XXXX account # 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: Payday loan, title loan, personal loan, or advance loan

I took put a XXXX  dollar loan and I have made 5 payments already at yet I still owe XXXX. Apparently they are charging me a XXXX dollar in stallment fee with each payment for example the XXXX XXXX payment of XXXX ... XXXX installment fee then the remaining XXXX get split up to include interest and principle. What kind of nonsense is that? I make these payments biweekly I'll be dead before the predatory loan is pain in full. I believe the max interest rate on a written loan in like XXXX percent there needs to be a serious investigation into this company asap
Product: Credit reporting, credit repair services, or other personal consumer reports

DESIGNED RECEIVABLE SO XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} This account has misleading information. consider the Balance, High Credit, Last Reported, And I don't have a financial obligation on this account
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting or other personal consumer reports

Formal dispute of the inaccurate reporting of a late payment on my credit report regarding my account with XXXX XXXX, dated XXXX, XXXX, XX/XX/year>. Despite numerous previous disputes regarding this matter, the erroneous late payments remains on my record. Under 15 U.S.C. 1681 ( 2 ) ( xi ), you are required to ensure that all information reported to consumer reporting agencies is complete and accurate. This late payment, which inaccurately reflects my payment history, must be corrected immediately.

Furthermore, under 15 U.S.C. 1666b, I want to reiterate that I have the right to dispute billing errors and inaccuracies that directly impact my creditworthiness. The continued inaccurate reporting of these late payments, has caused me significant undue hardship.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed a collections from Consumer Adjustment Company for the amount of {$480.00} that I did not authorize. I am not liable for this debt with XXXX XXXX I do not have a contract with Consumer Adjustment XXXX. They did not provide me with the original contract as I requested
Product: Vehicle loan or lease

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. lenders can't advertise a downpayment amount that they don't normally require from borrowers. I put down XXXX to XXXX XXXX XXXX which got sold to Westlake Portfolio Management they owe me my possessions for this car payments the percentage that they used against me wrongly and harassing me by turning a stopper on the tracker for extra payments. 

Creditor Information Car Loan WESTLAKE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And every hard inquiry my name has been in the data breach since XXXX  up until now please delete these " I noticed unauthorized inquiries on my credit report that I would like removed. according to the FCRA, these unverified accounts and unauthorized items must be removed. I disputed these item through XXXX and somehow they got put back on my credit report even my address Ive been homeless for years
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  - Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX - Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name XXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX- Account Name : XXXX  - Account Number XXXX XXXX- Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
XXXX XXXX XXXX XXXX XX/XX/XXXX. 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Money transfer, virtual currency, or money service

I was the victim of a pig butchering scam that occurred over many months ( mainly in XXXX ) and involved promises of returns on investments in gold and diamonds. I was scammed repeatedly. The funds that were stolen from me through fraud and misrepresentation via domestic wire transfers amounted to over {$260000.00} and were deposited in bank accounts at JPMorgan Chase Bank and XXXXXXXX XXXX XXXX XXXX At various time, I wired approximately {$240000.00} to a JPMorgan account, and {$25000.00} to an XXXX account. Both accounts turned out to be set up in the name of a person or entities that were apparently mules with names that were possibly ( probably ) not even real persons or companies. Based on information I have gathered, neither Chase nor XXXX did anything to vet their customers, negligently allowed the accounts to be used for criminal activity, failed to monitor the accounts as large amounts of money were wired into them ( especially Chase ), and failed to question activity that should have indicated that the accounts were set up fraudulently to enable criminal activity such as money laundering. By the time I discovered that the mule accounts were fraudulent, I was not able to recall any of the wires through my bank, XXXX XXXX, or to avail myself of any fraud remedy from XXXX, though my efforts to obtain some relief from XXXX resulted in approximately {$6000.00} being credited to my account after XXXX was not able to recall the fraudulent wires. I have had several exchanges with Chase, which has informed me that recalls of the wires were unsuccessful because the account to which the wires were sent is closed, and that I had no further recourse. I have had no contact whatsoever from XXXX. I can provide further documentation if needed. I filed a criminal complaint with the Delaware State Police, Complaint Number XXXX, on XXXX XXXX, XXXX. I also filed an IC3 report with the FBI ( XXXX XXXX, XXXX ), and reported the scam to the Federal Trade Commission ( XXXX XXXX, XXXX ).
Product: Money transfer, virtual currency, or money service

I am paid weekly, I was informed that there was a third party issue, and was given no specific time frame of which would indicate my funds accessibility. I called for a rep, after a grueling XXXX hours on hold, I was told that the issue hasn't been resolved and they have no time frame for when they'd be able to allow accessibility to my direct deposit.
Product: Debt collection

I have been a loyal and valued PayPal Business Cashback Mastercard owner for many years. I have been paying with this credit card for many years. On XX/XX/XXXX, unexpectedly, my credit was reduced to the current balance. On XX/XX/XXXX, all PayPal Cashback Mastercard accounts were closed. 
After XX/XX/XXXX, I took care of the balance and by the time the account was closed, my balance was paid in full and I did not expect any problems. 
However, shortly after the closing date, I began receiving an abnormal amount of calls and VMs from a collection agencyXXXX XXXX XXXX  At first, I took it as a scam. Later, I responded, told the agent that I owed PP Master card XXXX XXXX and clearly stated that I did not want to call again. They stopped calling and now send me " money demand letters '' almost every day. XX/XX/XXXX I spoke to a XXXXXXXX XXXX agent who was very vague and their supervisor who later emailed me saying the account was paid in full. 
But that didn't stop their demand emails. They pretend to have my account and the {$86.00} debt when I never had any agreement or anything with them. They also can't explain how or where the debt came from. 
To me it's not the amount but their methods of getting paid, all of which involved trying to get your full SSN and access to your bank account which is very suspicious. 
XX/XX/XXXX - I called PayPal and PayPal MasterCard. Was on the phone with 3 different reps and they all said I don't have a MasterCard through them and they don't have a contract with XXXX XXXXAnd all my accounts ( including the closed one ) in a good standing. I owe them nothing. 
To me this whole XXXX up is a scam.
Product: Credit reporting or other personal consumer reports

I have a missed payment on my Discover it cash back card from XXXX of XXXX, as well as in XXXX of XXXX. Would just like to dispute this as that was inaccurate information as both of those were on time payments.
Product: Checking or savings account

I discovered an unauthorized purchase later XXXX. The order was placed on XXXX on XX/XX/XXXX. 

I had called my bank for this unauthorized order. I was given credit to my bank. However a few weeks pass by and the bank gave me a chargeback for " XXXX ''. 

I contacted XXXX and they are trying to give me a refund but can't process since chase bank took over. Chase claims that the items were " shipped '' but there is no tracking number on chase claims or XXXX. I am stuck with XXXX $ from XXXX XXXX. 
XXXX said contact my bank. My bank says contact XXXX. XXXX has nothing on statements. 

I also got an email from XXXX saying they were suppose to issue me a refund for unauthorized purchsse but the seller contacted XXXX  and kept the XXXX XXXX XXXX froze my account. ( XXXX XXXX transaction found can not dispute ) Fast forward to the end of the month and chase still denies my claim/refund. 

I have not recieved a single item from this order. Nor chase or XXXX can help me out. 

1.unauthorized order placed.

2. Notified my bank 3. Credit was given to my bank 4. 2-3weeks later i get a chargeback from ebay.

5. The seller never shipped the items and kept the XXXX $ when im stuck with XXXX $ XXXX XXXX items. The bank claims that i have gotten the sellers merchandise. XXXX has nothing to track. 

Dispute number from XXXX ( helping me ) XXXX Nothing from chase. Just denied help from their customer support service. 

The same day i filed an unauthorized charge the seller from XXXX filed his aswell with XXXX 

There is zero reason why chase gave back the money and both are denying a refund. I have been struggling these past 2 months because of this XXXX order of XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

1.First of all these people say they are govern by the laws of their tribe and do not follow local or federal laws. 
2. This is the first lending company that charges you by the day and add on additional fees that are not thourough. 
When you go through the lending process its like a normal lending app and you agree to get automatic deductions. But it does not tell you it will be a duration of 6 months if you pay the minimum payments. So it seems there is deception and illegal acts in what they do. In 2023 there were many complaints regarding this company and their practices. So I hope you guys can help and close down this business so that others do no fall as victims.
Product: Checking or savings account

I was scheduled for XXXX in XXXX of 2022 and it was cancelled by the doctor. I contacted about a refund i was advised that's not policy. The services were never received and the situation was out of my control. I filed a dispute XX/XX/2022. There were XXXX seperate charges so I filed both. A week and a half after filing they contacted me and informed me they refunded the money considering the circumstances and they won't contest the dispute. However every time I call and check the status I'm told thier still researching. How and the merchant has stated the refund has been issued. This has happened to me before and I don't understand. I'm currently on XXXX from XXXX and with inflation and a pandemic I don't understand how a bank can do this to its customers. I'm a XXXX  XXXX  and I'm missing {$1000.00}. I can't get it from the merchant because on their end it's refunded however the bank doesn't seem fit to release me my money. Why?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate information on my credit report. I have supplied Experian with all the paperwork which states that US Bankruptcy court does not report to any Agencies about Bankruptcy. I also have a statement from XXXX XXXX where the bankruptcy has been removed. Experian sent me a letter stating that the bankruptcy was verified as accurate. I would like to know how was it verified. In the attachments I will provide you of the following. US bankruptcy statement, XXXX XXXX statement, My drivers License, Social SSN, and statement of experian saying it was verified. Experian is violating my consumer rights and they are falsely keeping this on my credit report without verifiable proof. Please Remove Immediately
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts that are appearing on my credit report. I have carefully reviewed the information provided by your agency and have identified the following inaccuracies : XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

I had a workplace accident on XX/XX/2019. I XXXX my XXXX Taken by ambulance to XXXX XXXX XXXX XXXX. I was in contact with my employer 's insurance. XXXX ( XXXX, Claim XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  FL XXXX ) charged ME for Ambulance services, and sent the bill to Collections with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX Hospital charged ME for the ER visit. I took my claim information to XXXX, but it wasn't put in their system. I visited the business office at the XXXX XXXX TWICE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX ) and sent the bill into collections with CAC FINANCIAL CORPS / collections at XXXX XXXX XXXX # XXXX, XXXX   XXXX, OK XXXX It had already been sent to Collections, and was out of their system I started getting calls from their collection agency. I explained that it was workman 's comp. I contacted XXXX 's, ( see above ) and they assured me that they would correct the situation with the collection agency. My credit score has dropped 300 points. and I've just blocked the collection calls. I was assured by XXXX  's that they would negotiate with collections. Through no fault of my own, I am being chased for this collection.
Product: Money transfer, virtual currency, or money service

Ok XX/XX/XXXX I had someone scan me out of {$200.00} through cash app. When I found out I went to my personal bank and they got my money back to me. I had money coming through Cashapp afterwards with no problem. Recently on XX/XX/XXXX I had someone send me money through Cashapp and Cashapp took the money. They stated I owed them money which I'm not understand how would I owe them money. I went back and forth though support and they stated to call my bank. My bank stated why would they tell me to call them. Cashapp refuse to give me the money that was sent and states I still owe them {$110.00}