23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to freeze my credit report with Experian, but they require me to pay {$19.00} for their services that I do not want.
Product: Money transfer, virtual currency, or money service

I met the scammer through a friend-making app called XXXX. She told me that her ex had kicked her out and that she was in urgent need of money to cover expenses until her paycheck arrived on Friday. She promised to pay me back as soon as she received her paycheck. Over the course of a few days, I sent her multiple payments through Cash App, totaling {$440.00}. On the day she was supposed to pay me back ( XX/XX/year> ), she stopped responding to my messages and blocked my phone number, making further contact impossible. I later realized that she had no intention of paying me back and that her story was fabricated to manipulate me into sending her money. The transactions were made under the name " XXXX XXXX '' on Cash App. I believe this was a scam designed to exploit my trust and kindness.
Product: Debt collection

I have contacted this company by mail for the last two years! They are yet to send me original documents with signature or identification. This debt does not belong to me and is hendering me from purchasing a home. I have sent letters certified and by email. They dont show proof. Ive also contacted the credit bureaus. Please remove immediately as this is a violation of FCRA.
Product: Credit card or prepaid card

This is a general complaint at this point. Comenity systems have been down for a week for a " scheduled maintenance '' that is " taking longer than usual '' according to all of their social media channels. Customers can no longer use any Comenity cards for purchases, access online services, contact customer service via telephone, contact customer service via social media, or make payments. Even scheduled auto-payments are not processing and individuals are being assessed interest and late fees and some are receiving derogatories on their credit reports. I possess more than XXXX Comenity card. I have an auto-payment that will trigger for my XXXX XXXX XXXX XX/XX/22 that will not process according to comments from other customers on XXXX and XXXX and I will be assessed both interest and late fees because of Comenity 's negligence. I also have a credit card reward that has now mysteriously disappeared during the " update. '' This needs to be investigated. A system update never takes this long and all of their various customer service phone lines are closed, eliminating person-to-person assistance. Have they been breached? Why are phone lines closed? Why are they refusing to provide an estimated date of completion? Why is all online account access blocked? Why are auto-payments not processing and yet accounts are being assessed fees and credit bureaus being contacted? Why can customers not use any of their credit cards?
Product: Consumer Loan

Long story short is that Capital One Auto Finance did in fact agree to finance a vehicle on behalf of consumers that they knew would later be rescinded resulting from an ongoing unresolved dispute involving Capital One and XXXX XXXX XXXX XXXX XXXX, Maryland. Capital One conducted credit checks when they knew that there was no real intent to finance the loan. They entered into the contract after they some how systematically discovered that another financial institution agreed to finance the vehicle under more peaceful and less stressful terms. They failed to address the ongoing dispute and complaint filed against them resulting from a previous deal that went wrong. On Sunday XXXX XXXX, XXXX a vehicle that consumers attempted to purchase was in fact repossessed because Cap One rescinded on the deal. On XXXX XXXX, XXXX Cap One agreed to finance the vehicle. On XXXX XXXX, XXXX Cap One agreed to finance a vehicle that failed to operate in Reverse ; thus faulty transmission with that vehicle. Subsequently consumers have filed complaints against CapOne and the dealership seeking to remedy, sever, and abate the contract. Furthermore seeking a clean savage Maryland Certificate of Title as result of the faulty transmission. Cap One has failed to comply. Why did Cap One agree to finance the vehicle when they knew that another source was interested. They knew that there was no real intent to finance pending a previous deal that went eerr/wrong. Why did they feel a need to tamper with the credit process when they knew that the deal would later be rescinded. Failed to notify consumers of their intent to repossess the vvehicle that they knew was no real intent of financing. Clearly there has been an improper misuse of consumers credit information. Clearly this businees is engaging in retaliatory actions ad result of pending consumer complaint. It 's not the consumers fault that XXXX XXXX sold us a vehicle with a defaulted ; failed transmission. As consumers what are we suppose to do?
Product: Mortgage

Regarding my previous complaint I have spoken to the bank and they do n't want to lower our payments and say that we should do liquidation. I do n't want to lose my home and I do n't want to do a short sale. I 'm willing to pay however the payments the bank wants are outrageous. 
My complain was : We requested a modification from Bank of America they put us on a trial payment after making the payments of {$1300.00} for 3 months and after telling us we will get a better deal how ever they did not modify the loan at all. The interest rate and monthly payments remain the same, they did not modify anything. We were atempting to get a loan modification from the bank for more then 4 years. And they also deferd all the principle to the end of the loan term. Also the market value of the proparty is around {$200000.00} and the bank put {$350000.00}. Basically the loan was not modified.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian has a scam on my credit report and they have done nothing about it XXXX CREDIT/XXXX Inquiry Date : XX/XX/2021 Phone # : XXXX XXXX XXXX XXXX you cant even call to see what it is a scam. So they don't investegate, then they say please refer to my credit report for the furnisher or public records office name address and phone number. My question is HOW!!!!! With what they have listed CFPB needs to step in. See experian response below In some instances we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After we complete our processing, we send you the results. If you question the results of our dispute process, you may also contact the furnisher of information directly. Please refer to your credit report for the furnisher or public records office name, address, and phone number ( if available ). For more details, please visit Experian.com/disputeprocess.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells fargo has a credit system its free, i just want to know how they come up with a score of XXXX, compared to XXXX  and XXXX XXXX, the reason they are listing my score is low are out of scope. My debt is below 9 percent, so i am confused on the XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/22 I Opted-out third party reporting & Credit Reporting Updates XXXX XXXX XXXX and XXXX refuse XXXX update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates. 

Please immediately correct/remove incorrect name ( no middle initial ) Correct name incorrect also known as - please remove all incorrect Former - remove all incorrect previous address - remove all Non-Mailable addresses incorrect previous addresses- remove all Non-Mailable addresses remove all Nonpublic Previous employers incorrect non-matching date opened incorrect non-matching high credit incorrect non-matching last reported incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and On XX/XX/XXXX I mailed a certified affidavit to Discover Bank and XXXX XXXX XXXX stating that I did not authorize or give consent for their company to share my personal information with any third party and that is identity theft. The company has failed to respond and the items is still on my consumer report.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to seek your assistance regarding an alarming situation I have encountered with the Discover Credit Card company. My experience has raised serious concerns about both the practices of the merchant involved and the lack of effective support from Discover. 

Recently, I attempted to make a purchase through an online retailer known as XXXX XXXX, which, in retrospect, I suspect may be fraudulent. The first attempt to place my order was unexpectedly canceled. Seeking clarity, I contacted their customer support, who stated they found no issues with my transaction. They suggested I try placing the order again and advised that I would need to contact my bank for a special code during the process.

Confident that my credit card protections would safeguard me, I proceeded with the purchase a second time. While on the phone with Discover, I provided them with the necessary code as instructed. However, shortly after this call, I received an email from XXXX XXXX notifying me that my order had been canceled again, and I would receive a refund. 

I waited the full timeframe specified for the refund but, regrettably, it never arrived. When I reached out to XXXX XXXX, I warned them that if the refund was not processed, I would need to initiate a chargeback. After my mention of the dispute, it became evident that the merchant began to take evasive actions. 

In a troubling turn of events, XXXX XXXX created a fraudulent tracking number linked to my address and shipped me a tiny box containing cheap socks as a deceptive measure to mislead Discover regarding the validity of my order. When I inquired about this peculiar shipment, XXXX XXXX blocked my ability to contact them further. 

Disappointed and frustrated, I turned my attention back to Discover, who has shown little responsibility or initiative in addressing my complaint. I submitted all relevant documentation demonstrating that my order was canceled and that a refund was legitimately owed to me. 

At this point, I feel I have exhausted my options with Discover and am left vulnerable to the irresponsible practices of both the merchant and my credit card provider. Therefore, I kindly request your support in investigating this matter and holding all parties accountable for their actions. 

Thank you for your attention to this urgent issue. I look forward to your guidance on the potential steps I can take to resolve this matter. 

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

XXXX AND EXPERIAN FAILED TO SEND AN UPDATE AFTER MORE THAN 30 DAYS. I SENT LETTERS ON XX/XX/22 INFORMING THEM OF UNAUTHORIZED INQUIRIES AND THEY IGNORED MY LETTERS AND CONTINUED TO REPORT THE INQUIRIES. I HAVE FILED A FTC COMPLAINT BECAUSE THESE WERE NOT AUTHORIZED BY ME. I WILL ATTACH THE LETTER AND FTC COMPLAINT. DELETE THE INQUIRIES THAT ARE LISTED IN THE LETTER FOR INACCURATE REPORTING AND BECAUSE YOU HAVE FAILED TO REPLY IN THE TIME ALOTTED. THE LETTERS WILL BE DATED AND TIME STAMPED FOR YOUR REFERENCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX, XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX  XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX  Balance XXXX {$1900.00} XXXX XXXX XXXX XXXX Balance XXXX {$2300.00} XXXX XXXX XXXX Balance : {$0.00} pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, I was given a XXXX dollar loan from lendumo financial. The annual apr for this loan is 765 %. XXXXThis is in violation of The Illinois pay day loan reform act which states a company may not charge no more than XXXX per XXXX of interest, and charge a maximum of XXXX percent interest per year .therefore making this loan illegal in the state of Illinois..Per section XXXX of the Illinois payday loan reform act XXXX give out payday loans to customers the company must be licensed in the state of Illinois which lendumo loans is not..This loan is also is illegal in the state of Illinois per sec XXXX of the pay day loan reform act which states for a company to operate as a payday lender in the state of Illinois, the company must be licensed with Illinois department of financial regulation which this company is not therefore making this loan illegal and unenforceable under Illinois state law..To this date I have paid XXXX dollars on this illegal loan in the state of Illinois and an unenforceable loan per Illinois state law
Product: Checking or savings account

I have XXXX dollars in my checking account and chime had confiscate them I been more than 3 month fighting with them by phone and email they keep telling me to confirm identity I had done that more than 10 times they keep canceling the check and re sending it this is very suspicious they been asking me so many times for same info wen I had done it and they have it on record u can see the pattern that they are working me so I can loose interest and let them keep the money I need a help so I can deal with this situation
Product: Checking or savings account

I had a checking and savings account with PNC on XX/XX/year> I was over charged by XXXXXXXX XXXX XXXX in the amount of XXXX XXXX amount was incorrect so I went to my local XXXX who printed out the correct amount that I was supposed to be charged which was XXXX. Due to PNC paying the incorrect amount it caused my account to overdraft in the amount of XXXX. After contacting PNC about the error they never allowed me to send receipts to substantiate the overpayment. Instead I was belittled and then they closed my account and stated I currently owe XXXX. I went in person where not even the bank manager was of assistance. How can a banking institution operating this manner. Horrible customer service and this affects my college children and my credit which is detrimental. As a bank follow due diligence. This is by far the worst banking experience I have ever had.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2018 Balance $ XXXX Late Dates XXXX
Product: Credit card or prepaid card

I have an American Express Plum Business card for my business, which was pitched to me by my account manager as a great way to improve cash flow because so long as I make the minimum payment, I can defer the remaining balance to the next payment, which essentially is like offering 60-day terms. 

As this is a charge card and not a credit card, there is no pre-set spending limit. When I first opened the card in fall of XXXX, I had spent upwards of XXXX a month on it, and have always paid off the balance within the 60 days ( and have never had a late or delinquent payment ). 

I recently reached out to Amex because a charge was denied, which worried me because I had {$18000.00} in upcoming invoices from suppliers to fund production for a {$100000.00} purchase order ( that would be paid to me ), so it was imperative that I be able to take advantage of the terms. 

I made my monthly payment, however, I was told by Amex that no future charges would go through. In the past, the company had authorized increase spend amounts if I called in and told them the upcoming amounts. This time, they told me they could not do that because my balance was high ( albeit all of my payments had been made and I paid the minimum amount due ). I was told the only way they would authorize future charges is if I made a pre-payment of {$18000.00} on the card. This completely contradicts the real value prop of the card, as it does nothing to help my cash flow, and has put me in a real bind. 

I hold Amex to a higher standard because they created a holiday to support small businesses ( great marketing ). When push comes to shove, they will not actually offer the support small businesses need. When I told XXXX XXXX from Customer Support that there is no benefit to paying off a card early just to pay my vendors ( because why do that if I can just send my vendors cash? ), he replied " Well, at least you get points. '' I do not get points. 

Amex routinely sells one thing, but then services it a different way. Not only that, I had previously filed complaints with Amex about this issue in XX/XX/XXXX and XX/XX/XXXX, and nobody from the company had followed up. The Customer Service Rep could also not find any notes about follow up action taken in my file.
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 XXXXXXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Student loan

I have a series of subsidized and unsubsidized students loans consolidated by Direct Loans, loans taken out from XXXX XXXX to XXXX XXXX, and a new a series of loans taken out XX/XX/XXXX. My entire package of loans was bought up by Nelnet, my student loan servicer. I had an accident in late XXXX XXXX, and when released from the hospital in XXXX XXXX, I called Nelnet to inform them of the status of my health, unemployment, and my university 's decision to let me go on an extended medical withdrawal ( i.e. I will not be taking any classes ), all due to the XXXX XXXX XXXX I suffered. The Nelnet agent was kind and understanding, and told me to call back in XXXX XXXX to remind them of my situation, and they would ensure that no adverse action would be taken due to my health and my university 's decision. In XXXX XXXX, I called Nelnet to remind them of the situation and to notate in the file that I would not be taking any classes per my previous agreements, and my continuing recovery from my brain injury. They told me that was n't a problem, and I was renewed for at least the next 6 months. In early XXXX XXXX, during a routine credit check, I saw that my credit score was improving due to actively working on paying my outstanding bills. Later in XXXX XXXX, I saw that my credit score had dropped by XXXX points because Nelnet had reported my student loans as not paid. Of course they were n't paid, that was the deal I had worked out with them due to not taking any classes, my XXXX XXXX XXXX, and the report from the university that I was on medical withdrawal. I was previously told twice that no adverse effects would come, and I did not receive any notice that any bills were due. I believe that this was a mistake that needs to be corrected immediately, or that this was a deliberate attempt to take advantage of someone with a XXXX XXXX XXXX. I intend to return to classes as soon as I 'm healed, which will be sometime in the next calendar year, but for now I am unemployed and on medical withdrawal due to the severity of my injuries, all with my university 's ( XXXX University XXXX XXXX ) permission.