23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I XXXX XXXX, On XX/XX/XXXX I purchased a SUV from XXXX XXXX in XXXX XXXX Mass. My Loan doc 's are all wrong they promised me on price of XXXX dollars but on the loan doc it say XXXX plus a bunch of XXXX fee 's that don't make sence. The sales guy is XXXX XXXX, the loan person was XXXX XXXX. This car buying experience was awful. now I'm like how do I pay the trap I felt like I was put in. Can you Please Help. I'm a hard worker and I fell Like I have been taken advantage of.
Product: Checking or savings account

On XX/XX/XXXX XXXX XXXX key bank decided to closed my account with XXXX XXXX of XXXX they say they will issued a check, they did issued a. Official check on XX/XX/2022 and I made a deposit into my XXXX account, XXXX  took 7 bussiness days to clear that check. On XX/XX/2022 XXXX sent me a letter that they decided to close my account because they detected fraudulent activity they were not able To verify the official check key bank sent to me, that check was issued through XXXX XXXX pay to the order of key bank. Unfortunately key bank has not being able to solve my issue I do not have a response from them I do not have money since theyve took it and i need it please assist me on this.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. My name is XXXX XXXX, and I am writing to address an issue regarding my credit report, specifically related to late payments reported on my XXXX XXXX credit card account. 
I sincerely acknowledge that my account reflects a total of XXXX XXXX late payment. which is not indicative of my usual payment habits. Unfortunately, during the time these late payments occurred, I was facing unforeseen personal and financial challenges that significantly impacted my ability to meet my payment obligations on time. While I take full responsibility for the lapse, I want to assure you that these circumstances were exceptional and do not reflect my commitment to fulfilling my financial responsibilities.
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XXXX XXXX AMERICAN EXPRESS CARD Declined To view the full decision details click here XX/XX/XXXX XXXX XXXX XXXX AMERICAN EXPRESS CARD Declined To view the full decision details click here XX/XX/XXXX XXXX XXXX AMERICAN EXPRESS SURPASS CARD Declined To view the full decision details click here XX/XX/XXXX XXXX XXXX AMERICAN EXPRESS SURPASS CARD Provide required information To view the full decision details click here XX/XX/XXXX XXXX XXXX AMERICAN EXPRESS CARD Provide required information To view the full decision details click here XX/XX/XXXX XXXX XXXX AMERICAN EXPRESS XXXX XXXX Provide required information To view the full decision details click here XX/XX/XXXX XXXX XXXX AMERICAN EXPRESS BUSINESS CARD Declined To view the full decision details click here XX/XX/XXXX XXXX XXXX Declined To view the full decision details click here
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Balance Owed : {$200.00} Collection XXXX XXXX  XXXX Balance Owed : {$0.00} Charge off These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report after living abroad a noticed I've had several fraudulent accounts reporting to my bureau. I've reached out to Experian regarding this and have heard nothing back. The following accounts are result of my information being compromised : XXXX. XXXX XXXX XXXX Account XXXX XXXXXXXX ( {$30000.00} ) XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ( {$2900.00} ) XXXX. XXXX XXXX XXXX Account XXXX XXXXXXXX ( {$17000.00} ) XXXX. XXXX Account XXXX XXXX ( {$6800.00} ) XXXX. XXXX XXXX Account XXXX XXXXXXXX ( {$980.00} ) XXXX. XXXX XXXX Account XXXX XXXXXXXX ( {$62.00} ) XXXX. XXXX XXXX Account XXXX XXXX ( {$170.00} ) XXXX. XXXX XXXX Account XXXX XXXXXXXX ( {$18000.00} ) XXXXXXXX XXXX XXXX Account XXXX XXXXXXXX ( {$9400.00} )
Product: Credit reporting

There is an account listed from XXXX XXXX Bank that does not belong to me, as well as a collection account from XXXX XXXX for the same account as above. This is not my account and I want them removed. I also want the address associated with these accounts removed, as well as other accounts associated with XXXX XXXX XXXX XXXX XXXX, TX XXXX as I have never lived at this address, nor have I received mail to this address. Please have remove account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act PXXXX XXXX XXXX, XXXX XXXXXXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App. ( Block, INC. ) due to inadequate customer service and unfair practices, which violate the Consumer 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 Electronic Fund Transfer Act ( EFTA ) and Regulation and E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

On XXXX I made 4 separate payments totaling {$150.00} dollars when combined to a user on Venmo. When I made these payments I checked the option for Venmo 's purchase protection, as these payments were to pay for a service. I did not receive the service for which I paid ; and, the seller refused a refund and blocked all attempts at communications. I therefore submitted a dispute with Venmo to reverse the charges, thinking it would be an easy resolution since I used their purchase protection option. They have, however, failed to provide any resolution and continue to evade my questions about the issue. I can not have my bank reverse the charges due to ACH regulations and the seller has blocked contact, so Venmo is the only one capable of reversing the charges. In short, I made a payment on Venmo and did not receive what I paid for, but Venmo refuses to refund the charges.
Product: Mortgage

In XX/XX/XXXX my mortgage company sent me a loan installment statement with a payment amount equal to two monthly payments ( double payment amount ). I called to inform them that I have never missed a payment and the Statement was incorrect. The customer service representative said they must not have processed my XXXX payment and that I would receive a corrected, up to date statement in XXXX. I received my XXXX statement and it still showed that I was behind on a payment ( statement showed that 2 payments were due ). I called the Mortgage company again and a different Customer service Rep. said she looked into it and their system showed that I was behind on a payment that I missed in XX/XX/XXXX. After pleading with her to thoroughly recheck her information because I have never missed a Mortgage payment in my life she refused then transferred me to the Escalation services department. The representative in that department said her system showed that I had missed a payment one year ago also. After I ended the conversation I immediately went to my computer to check my bank records, finding a copy of the check they cashed in XX/XX/XXXX. The check also had my account number written on the front. I called them right back to inform them of my information and that representative found the payment in her system but I was told they will send the matter to their Audit and Research dept. to investigate. She said they would send me notice in the mail of the outcome within 7 days. They never sent any thing in the mail, so I called them to get updates, about 3 weeks later and several phone calls they said they found my XX/XX/XXXX payment. It was not cleared up until XXXX. The next month in XXXX when I received my mortgage installment and additional {$270.00} was added to my monthly payment, again I called the Mortgage Provider and the Customer Service Rep.said it was a mistake on my account and a corrected statement would be sent to me within 5 days. I never received the corrected statement so I paid the correct amount, hoping that they would correct the mistake. It is now XXXX and I received another statement that is {$270.00} more than my payment should be. I called the Mortgage Servicer again asking for a correction also an explanation of why this is happening. I was transferred to the Escalation Services Dept. and given no answer but was told my account would be sent to Auditing and Research to investigate. I have been going through Installment Payment problems with this institution since XXXX it is now XXXX, I don't know how this affects my paying off my mortgage. Am I being penalized in anyway because of this?
Product: Credit card

Someone Opened an Paypal account with synchrony bank. I did not authorize this account, it was done without my permission. i had this same issue back in XXXX  with the same paypal account. Its a recurring fraud on my credit report.
Product: Student loan

I am in the public service student loan forgiveness program. In checking on my qualifying payments as I near the end of my ten years of service, I found two months that were not counted and called MyFedLoan to discuss those months as I have always been enrolled in automatic payments that were deducted from my checking account. The months are XX/XX/XXXX and XX/XX/XXXX. I was told over the phone in XX/XX/XXXX by MyFedLoan that those months occurred because I was not billed when my loans were transferred between servicers. I asked if I could make those months up since I was on automatic payments and was not advised about this happening. I was told that MyFedLoan had opened a formal inquiry for me and would get back to me to let me know if I can make those payments up. I never heard back, so I wrote to them on XX/XX/XXXX, asking to make those payments up. Again, I have never had a response. 

In reviewing my records, my loans were not transferred to different servicers on those dates. They were still being serviced by XXXX, who took my payments via automatic deduction. XXXX did not tell me they werent taking those months and never gave me the opportunity to make those payments up. MyFedLoan says I wasnt billed at those times, but there was no way for me to fix it since I was on auto-payment and was not notified about this. 

Two months toward my 120 required payments for loan forgiveness will help me a lot because my family is moving to Colorado for my husband 's job and I do not want to stay behind with our XXXX being apart from his dad any time beyond what is necessary to finish this program. Anyway, I have never heard anything back from MyFedLoan about whether they will permit me to make up those two payments to have them qualify toward the 120 payments for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX office during those months ( and submitted the required employment certification to prove it ) so I just need to make up the payments since I was not able to do it when they transferred my loans at the time. Thank you so much for any help.
Product: Checking or savings account

On XX/XX/XXXX, I started a relationship with a XXXX  mining company on the website XXXX. I made several contributions during the month of XXXX accumulating funds of {$47000.00}. When I wanted to dispose of them, they began to ask me for more money for it. Since I did not agree to deposit more money, they transferred the funds to the entity called First Horizon Bank?, with its main address in XXXX, Washington State, because they said that it would be easier to manage and transactions that I wanted to carry out. I wanted to make a transfer and a credit card request, but they asked me for the transfer {$2000.00} in expenses. I asked them to deduct the available funds from XXXX and they refused. I have decided to cancel the transfer or do it for smaller amounts but they do not give me access to my account, nor do they assign me the credit card even though it is " approved '' but they do not want to activate it. My first question is whether that entity exists as such and second because they do not allow me to make transfers deducting the expenses of the funds that remain available in the account. I am an XXXX  of the Government of XXXX, I am not involved in money laundering nor is the money going to be dedicated to criminal activities, all this would be declared to the Department of XXXX of my country. I honestly think I've been the victim of a scam and what they're trying to do is get more money out of me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 
XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Checking or savings account

On XXXX XXXX I called capital one bank about a double payment for bill pay that caused my checking to go into overdraft - it was a pending payment. I was very rudely told that the pending payment can not be stop which is fine. However, when I requested to be transferred to someone XXXX employee ID XXXX claimed it was absolutely impossible to transfer me to anyone else in and that he was a supervisor. It was extremely rude and abrasive I am very shocked by this interaction and now I am going to close ALL of my cash accts with the bank because I am truly disgusted with this deplorable attitude and the unwillingness to provide any alternatives for my issue. I have been a capital one customer since it was a XXXX XXXX XXXX account for almost a decade. I requested to file an employee complaint with the man on the phone which he stated he did however, i do not feel very assured that he actually did.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you review the documents? Several listed accounts have reporting errors, including inaccurate amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to a Transunion representative and told them that you have been a VICTIM of their inquiry issue. Their customer service was not able to assist me and take care of the negative inquiries reporting to your credit report. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX thank you
Product: Payday loan, title loan, or personal loan

On XX/XX/10, I checked my online account for a payoff amount, which it indicated an amount of {$840.00}. I paid the full amount due and owing on XX/XX/10 in the amount of {$840.00}, which was the listed payoff amount. The following month, I received a billing statement asking for {$8.00} in interest that posted to the account on XX/XX/10 ; the same date of my payoff. I called the company to advise this was an error and they claimed it was per diem interest charged for each day following the previous month 's statement date. This statement is contrary to the system annotation received and to what is listed on the statement itself. Per the statement, this interest was billed after the payoff and subject to the full balance, which is misleading per the least sophisticated consumer.
Product: Mortgage

My original mortgage was brought out by Right Path Servecing and when the mortgage got transferred to the new company I had signed a loan modification with the original lender. After 9 months of waiting for all the paperwork to get updated to their system they are now telling me that they have denied my loan modification and Im now in foreclosure. I have attempted to make my payments on time but they will not let me make a payment. They have ruined my credit along with my wifes credit because they reported my mortgage has past due.
Product: Student loan

Hello, my name is XXXX XXXX and I am a 2011 graduate of XXXX XXXX University with a student loan outstanding debt ( XXXX XXXX, Discover Bank ) of a small house in the country. The only major problem I have with that is the outstanding amount the loan company asked me to pay every month, which I was n't able to do. It 's the equivalent to a monthly lease on an apartment. This caused me to be referred to a lawyer firm to " collect debt '', XXXX XXXX XXXX to be exact. I 'm constantly being harassed that I should settle or increase my payments. Both of which I ca n't do because I do n't make that amount of money to be able to do just yet. I 've asked to be on a lower payment plan and I was denied. I 've asked what other options I have that could be worked out with me having to pay rent, eat, actually go to work to make money, etc. Nothing is really being done apart from the phrase " if you do n't increase your payments soon, there is n't much I can do. I 'm doing the best that I can, but clearly it is n't enough. The flip side to that is that I did n't land a job in the field that I graduated from. I 'm using what I did go to school for just a little bit. In all reality, I could 've just purchased software and used trial and error to figure this thing out. Now I 'm stuck paying this super huge amount of money back and the only thing I feel like was actually worth asking for a loan was the living expense that helped me get started in a new city as a young adult. At this point, I 'm sure I 've paid off that amount of living. 

In all reality, I do not believe that XXXX XXXX University is worth taking out this much debt unless you already have something established prior to attending. After doing research and hearing the amount of complaints with this school and the graduation rate, the proof is there. I have contacted the other student loan help ( which worked ) concerning federal loans ( subsidized, unsubsidized ), now I would like to have my private loans reviewed to hopefully get a similar result.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> Subject : Complaint Against Experian Information Solutions , Inc. for Failure to Conduct Proper Investigations Dear CFPB Representative, I am filing a formal complaint against Experian Information Solutions , Inc. due to their failure to conduct proper investigations into inaccuracies present in my credit report, violating the Fair Credit Reporting Act ( FCRA ). Despite my efforts to dispute inaccurate information, Experian has not complied with their legal obligations to thoroughly reinvestigate and resolve my disputes. 
Details of the Complaint : Dispute Reports : Report # XXXX dated XX/XX/year> Report # XXXX dated XX/XX/year> I initiated these disputes regarding inaccurate information on my credit report. 
However, Experian failed to verify the information appropriately and did not provide detailed explanations of how the accounts were verified. According to the FCRA, they are obligated to : 1. Conduct a reasonable reinvestigation of disputed information [ 15 U.S.C.

1681i ( a ) ( 1 ) ( A ) ].

2. Provide written notice of the results of the reinvestigation, including specific details of any updates or deletions [ 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) ].

3. Delete any account that can not be verified or is found to be inaccurate [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ]. 
Experian has failed to meet these requirements. I am requesting the CFPB to ensure that Experian complies with the FCRA by : 1. Conducting a proper, detailed investigation of the disputed accounts.

2. Providing me with documentation explaining how each disputed account was verified.

3. Immediately deleting any accounts that can not be verified.

Please treat this matter with urgency, as the inaccuracies on my credit report are negatively affecting my financial standing. 
Supporting Documentation : I have attached copies of the correspondence from Experian regarding my disputes. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of my complaint. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian 's credit reporting service is impossible to cancel online ; you have to call a number and give them everything needed to sell personal information including DOB and SSN. Their system to allow subscribers to view detail on alerts appears to require users to re-register and create a new account and subscription. I did cancel over the phone but am not assured that the subscription is actually cancelled and that the company will stop withdrawing money from my account or use the cancellation to damage my credit score.