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

I've been corresponding with the affirm company since XX/XX/XXXX when an unauthorized loan came into my account for the amount of XXXX. I've filled out affidavits I've been in contact with XXXX and affirm XXXX can not give me info because I don't have anything to provide to them to get access such as emails names card numbers etc. Affirm claims they've been investigating this matter.Yet everytime i asked for an update I've been put on hold and no one came back to the call I've emailed and they said hey you have to call us.Yet the last response from them told me i was responsible for this. I'm completely confused on how them letting someone into my account and placing a loan deems them irresponsible.And they asked for another affidavit! Then claimed i never called???? how?
Product: Debt collection

This situation is incredibly frustrating and overwhelming. Imagine waking up to find a debt on your credit report that you dont recognize and have never been responsible for. The constant harassment through various channels, paired with threats of legal action, is both intimidating and deeply unsettling. As a law-abiding individual, its infuriating to have my rights as a consumer so blatantly ignored. This issue is taking a serious toll on my mental well-being, leaving me stressed and sleepless for days.
Product: Debt collection

Under unfair practices, 15 U.S.C. 1692f it states that debt collectors may not Use any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer ; a debt collector may use its business name if such name does not indicate it is in the debt collection business. 

On the letter I received was a symbol for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Anyone can read my letter and see that there is an attempt to collect a debt on me and that is extremely embarrassing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting that I am ( 120-180 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report as well as a copy of my Drivers License and SSN card for identification purposes to proceed with the investigation of my complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. Hard inquiries are Not a matter of Fact. The list of unauthorized Inquiries below are Not a matter of fact, and has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681.You are obligated verify this information, or not report it to your users.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 : States a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Northstar Location Services , LLC ( NLS ) initially contacted me on XXXX XXXX, 2016 when it mailed a letter proposing that I settled an expired, outside the statute of limitations, debt. This letter was their initial contact with me pertaining to this debt. NLS has not contacted me after this initial contact. The letter did not contain the right-to-dispute the debt disclosures.
Product: Checking or savings account

Capital One has been holding my direct deposit paycheck because of errors with a third party. I am facing eviction because my paycheck is not in my account and they will not give me any indication when this will be fixed or any solution to this problem. Thousands of people are without money because Capital One cant function. This is the second time within a year that Capital One did not give me access to my paycheck on time. This is highly irresponsible and damaging to thousands of customers. I spoke with an employee at Capital One who was CRYING ON THE CALL because they have not gotten paid either!!! The CS reps have no idea when this will be fixed and Capital One has not offered any help.
Product: Prepaid card

Over the last few years I have multiple claims with Bank of America requesting reimbursement for charges related to a bank error ( s ). Despite the bank acknowledging the errors, they continue to deny the majority of my claims. However Bank of America has been posting " Credit Adjustments '' to my account for approximately the last eight ( 8 ) months and refuses to tell me where the adjustments are coming from. I've called several times and requested details or a detailed statement informing me why I was receiving these credit adjustments and they refuse. I informed them that it was illegal to run money through my account and not tell me where or why they were doing this and nobody knows the source of funding. I am on XXXX XXXX XXXX  right now and I am under very strict income requirements, I am unable to explain this income and the bank refused to assist me. The pre-paid XXXX cards division of Bank of America doesn't follow any of the rules or laws ( state or federal ) set in place to protect consumers. Bank of America is also FAILING TO UPHOLD THE ACTIONS IMPOSED ON THEM BY THE O.C.C. ON XX/XX/2022 PER THE SIGNED CONSENT ORDER.
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 3 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 Balance : {$4300.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$5600.00} 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 or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$60000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

On XX/XX/XXXX I went to XXXX XXXX XXXX to get tire paid XXXX with personal bank card. On XX/XX/XXXX XXXX my brakes acting improper go back to XXXX XXXX XXXX I need a brake booster repair job this is when they suggested the XXXX XXXX XXXX credit card I was approved for XXXX the work was done that totaled XXXX that was paid off. 
XX/XX/XXXX overheating did the test engine light with XXXX to find I need thermostat called XXXX XXXX XXXX who, '' said I needed a thermostat and the thermostat housing unit, radiator, valve cover gasket set, they did multiple jobs on my vehicle said needed to stop it from overheating the bill came up to XXXX On XX/XX/XXXX my vehicle overheating again Removed and replaced spark plugs removed and replaced spark plug wire set removed and replaced ignition wire coil charge for spark plugs, spark plug wires, ignition coil pack all totaling XXXX a new total of XXXX suv ran for another week before it overheated again and shut completely down.I called XXXX XXXX XXXX who had it towed back to XXXX XXXX XXXX they kept my suv for about 2 weeks.I called XXXX XXXX XXXX and was told to pick my suv up on XX/XX/XXXX. 
On XX/XX/XXXX When I turn on air entire suv vibrates. XXXX XXXX said did not pass the engine block test it needs a part that XXXX dont sell anymore I'm better off getting it from a junk yard and finding a street mechanic. 
I found a mobile mechanic who diagnosed the truck to find it was the head gasket.I paid XXXX dollars to mechanic to remove and replace also total of XXXX I paid XXXX to XXXX XXXX XXXX XXXX XXXX also XXXX for fuel injector for sensor oxygen XXXX for Head gasket and bolts kit,XXXX for ignition coil pack to replace the defective parts XXXX XXXX XXXX did spark plugs had to replace. re-paid for work XXXX XXXX XXXX did to my suv I have all the proof of payments receipts and sent everything into XXXX XXXX XXXX/CitiBank via fax with case number given to me from representative after I finally received a case after of fighting for someone to what been going though with XXXX XXXX XXXX  /Citibank.I was also told to pay minum so my credit would not be effective and promotion interest rate will not go in effect since there is a dispute of services the promotion date was over they added an extra XXXX to the bill for promotion and then another XXXX promotion expired then it went from the minimum of XXXX to XXXX.I brought my suv brand new never has any major problem until this now they are reporting derogatory marks on my perfect credit report.
Product: Mortgage

I refinance my mortgage and Hloc Loan with my bank, Bank of the west, and I never authorised they touch my car loan ( with the same bank ). However without my authorisation they included my car loan I had for 2.92 % interest rate for 5 years fixed, and I already paid for 8 month, they included this loan in the refinance without I authorised for 4.75 interest rate for 30 years. I am so mad about that, I trusted in the bank and I feel I was scammed per people to try to sell services without asked me. 
I contact the bank, itis very hard to get hold of them, all I got was a letter from the compliance department saying it is fine. But never gave me a contact to contest it.
Product: Credit reporting

I have not received free annual credit report from Equifax as requested in 2016. 
When requesting from XXXX FOR THE PAST SEVERAL YEARS they refused to accept several proof of address attempts. I did Include photo ID and letter from the homeless shelter and they continued to deny. I have lived at the same address for eight years.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Debt collection

I keep getting repeated calls from a specific number that refuses to leave messages. Today I happened to pick up the phone to see exactly who is calling from the number, and it turned out to be Credit Management. The caller asked for my first name which I verified, she then verified my previous house number and street name, and I confirmed that it was an old address. Before I provided any further information, I asked who she was and what business they were calling about. The caller got rude on the phone and refused to tell me the nature of her call. She then said that since I refused to verify my identity, she can not provide me with any details about the company and why shes calling. She then also said that they will continue to call me until I confirm my identity, so I replied that I will continue to demand to know whos calling me before I release any other info. 
I googled the company to see if they are legitimate, and started to file a complaint but I would first need to divulge a lot of my personal information. I called their toll free number and asked to speak to a manager, and I was put to hold for XXXX. He refused to tell me anything about the nature of their call, other than the name of the company. I told him that were not going to get any further so please stop calling me as I have trouble sleeping at night and Im XXXX. During this tax time season, and the many ways that people are getting scammed, Im very skeptical about anyone calling me demanding confirmation of my identity, if they wont identify themselves first.
Product: Credit card or prepaid card

I was misled by the Amex Platinum website into thinking that my online booking was with Amex platinum. Instead, all online booking is through regular Amex which does not give the same level of customer support. Nothing on the Amex Platinum website indicates that online booking are made by regular Amex. I pay a lot for Amex Platinum, and terribly disappointed by the misleading advertising on its website.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling dispute, particularly in light of the recent CFPB lawsuit highlights significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs funding indicates that Zelle not only neglected to protect customers but also allowed repeat offenders to exploit the system where it can consistently happens and leave customers vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reporting companys XXXX XXXX  transunion. They have reported credit info on my report that i have asked to remove many many times. Either the account is old and pass the 7 years and or the account is paid and dont use the company anymore. Or they have deleted crediors on my reports and then they place them back onto my report after removed. They have done this many many times. I have asked to remove it. And they dont.
Product: Student loan

My student loan servicer- Nelnet has said that if I pay ABOVE my monthly payment, any amount above my monthly payment needs to be allocated towards any interest on my loan. They are not allowing me to put extra money above my monthly payment on principle. This should be allowed according to the student loan borrower assistance XXXX XXXX XXXX XXXX. I have made this clear to the department of education as well as Nelnet and have submitted complaints, the dept. of education simply forwarded the complaint to Nelnet and Nelnet responded by sending me a document with my " payment history '' and a letter telling me I must pay interest first. I was asking about future payments for after the Covid pause. Past payments are not relevant at all. I am getting the run around and no resolution at all. I have 14 federal student loans of various amounts and each has some accrued interest ( for those before covid ) I asked about payments over the phone on XX/XX/XXXX, and reached out and submitted a complaint through the dept. of education XX/XX/XXXX, then got a response from Nelnet XX/XX/XXXX. Please note Nelnet didn't really address this at all. I would be happy to provide documents, and loan details and email received from Nelnet if needed. These are unfair, abusive and deceptive practices to collect more money from the student loan borrower. Thank you for your attention on this very important matter.
Product: Debt collection

Portfolio Recovery placed a collection on my credit report. I asked for that debt to be validated. This company has not validated the debt and continues to report it and call my phone. I want them to stop contacting me and remove this debt from my credit report because they have not sent me a contract between us showing information about the debt. They repeatedly call my phone harassing me, but have not sent me any information I requested to validate this debt. This has been ongoing for a couple of years to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to have a credit freeze placed on my credit reports XX/XX/XXXX with all three major credit bureaus. XXXX and XXXX took a matter of minutes to complete, Equifax required me to call into a number. 
I placed multiple calls XX/XX/XXXX and finally reached someone. I was told they could not access my credit report and had to submit additional information BY FAX including a Social Security card, Passport/Drivers License, or other items to confirm my identity. 
They refused to say what aspects of my credit report were missing or incorrect and would not provide any further relief. 
They have refused to place a freeze on my credit, despite being the company responsible for an enormous data breach that exposed my personal information thus necessitating the need for a credit freeze to further protect myself. I find this position to be completely hypocritical and untenable to all those affected by their negligent caused breach.
Product: Debt collection

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

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  A copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Hard Inquiries on my account. XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX, XXXX & XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, The XXXX XXXX on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX , XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX , XXXX inquired on XX/XX/XXXX There are also addresses and names that do not belong to me. 

XXXX XXXX Nmae ID # XXXX and XXXX XXXX Name ID # XXXX Addresses XXXX XXXX XXXX  XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX AL XXXX, XXXX XXXX XXXX Michigan XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Mi XXXX are not addresses I have lived
Product: Checking or savings account

I received a email from credit karma XXXX  morning stating my account was locked and to look for a email. Its been over XXXX hours I am stranded out of town because XXXX cant access my account to get gas. I have spoken with several representatives and they say look for a email in a hours or XXXX and its now been over XXXX hours.