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

The initial balance was for {$3200.00} and I tried to cancel this with the XXXX within a 3 day period. They offered to cut the payments in half so I would not be paying {$120.00} per month but rather {$60.00} per month. The contract was written that payment would be for 24 months. The Spa refunded {$1600.00} to leave {$1600.00} balance. Cherry Technologies Inc who holds the loan, is continuing to charge me the full {$120.00} ( actually payments of {$130.00} ). I kept complaining to XXXX XXXX and they kept telling me they would fix it. After months of trying to get this fixed and them promising to fix it, I contacted Cherry Technologies myself. They are charging me on a 12 month basis, when my contract clearly says 24 months. I tried to dispute on XXXX and even though it states 24 months and I owe {$1000.00} they state that it is accurate. It clearly is not accurate, the original {$1600.00} divided in 24 months is {$66.00} per month and they are still charging me the full monthly amount of {$130.00}, as if my balance was {$3200.00}. XXXX XXXX never originally never went over cancellation policy and also did not give me copies of the contract until I demanded copies. On XXXX it even says 24 months so I am not paying more than {$66.00} per month for the 24 months that my contract is for. When contacting Cherry Technologies the rep has told me that they have had several complaints on XXXX XXXX They are running a shady business!
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability aga
inst the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 open 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I had put an order in on XXXX XXXX for XXXX and my order total was {$36.00} then my XXXX  on XXXX XXXX reached out and told me that my order was canceled and that I would be refunded. I was never refunded. So I want to my bank account on chime and disputed the charge on my card and it worked. But now it took the {$36.00} back out of my account and said my dispute was denied. So I contacted chime and they said there was nothing they could do. I contacted XXXX XXXX and they said there was nothing they could do. They wouldnt even give me a discount I even provided evidence to both of them that my order was canceled but never refunded. They basically stole my money because I never bought anything with it.
Product: Checking or savings account

I have had my account with Citi for multiple years. They recently changed policy to charge me {$15.00} a month. I called and requested that I be able to close my account. They told me that they considered by account inactive, and would charge fees against an inactive account but would not allow me to close it without visiting a branch. There is no branch in my region. They then said I could send them a letter to request the account be reactivated, then ask them to cancel. 

This seems like deliberate sludge to make it difficult for a consumer to cancel an account, when all the information they request is information that can be provided over the phone.
Product: Mortgage

In XXXX I ran into a hardship and SPS modified my loan. I paid the modified payment until the pandemic hit in XXXX, XXXX. I called and asked for assistance. I received a lowered payment of {$380.00} for 3 months. I then sent in bank statements and proof I was receiving unemployment ( I am in Florida, unemployment caps at {$270.00} week ). I sent in my bank statements showing the deposits from unemployment and my unemployment paperwork. I then received an offer for a repayment plan with payments of {$3400.00}. I was only receiving a total of XXXX XXXX monthly and there is no way I could pay the amount they were asking for. I then sent in an application for a modification and was told I could not get a modification because I refused an earlier offer. The only offer I ever refused was the repayment plan and it is because I could not afford it. I feel as though this is unfair. I defaulted only because of the pandemic and I would like assistance as everything was out of my control. Now, I have been through a pandemic, lost my job and now am at risk of losing my home.
Product: Credit card

I am currently in default with Synchrony Bank. I am well aware of the fact that collection calls are to be expected. Unfortunately, I recently started receiving calls & voicemails on my work phone. On one particular occasion the receptionist was told that they were calling in regard to a 'personal matter '. I worry that these types of calls will be noticed by my employers and could potentially result in problems at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX 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  ; I recently bought a car and the dealership was excessively pulling my credit
Product: Bank account or service

I am a victim of Identity theft and I have sent numerous letters, copies of personal identification information and police reports in regards to someone stealing my identity and opening up a checking account with TCF Bank. TCF Bank has not removed or cleared my name from the fraudulent checking accounts that was opened at TCF bank by someone who stole my identity.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I contacted Experian, XXXX and XXXX in regards to fraudulent addresses and accounts on my name. Someone had requested phone services as well as an apartment lease fraudulently in my name. I have contacted the local authorities but the account has yet to be removed I have never lived at XXXX XXXX XXXX  XXXX XXXX ca. 

XXXX account XXXX XXXX XXXX {$3200.00} Is also not legally my account. I have contacted multiple sources and nothing has been done.
Product: Mortgage

I have spent over a year and a half trying to resolve this with the mortgage company. I've been essentially gaslighted and lied to the entire time. I am successor-in-interest to my home, following my father 's death in XXXX, XXXX. It took me until XXXX, XXXX to establish this status, even though I have Joint Right of Survivorship on the deed, and all I did was send the same documents ( those they asked for ) over and over again, until they finally accepted them. When I finally get them to say I'm successor, they set a foreclosure sale date. So, I apply for a loan modification on XX/XX/XXXX, which is well in time for their 37 day time limit to the sale date of XX/XX/XXXX to have it fully considered. They said they have to respond, by law, in 30 days. I call, check the site, talk to multiple, multiple agents. I record all these conversations. And yet, 30 days is over. No response. Nothing. Won't respond. I desperately need help.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 

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

I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following inquiries are on my XXXX credit report, and were not authorized by me. 
XXXX XXXX XXXX XXXX Corelogic credco LLC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

I co-signed a student loan for my nephew. His monthly payment is {$100.00}. He is late on his XXXX payment, and I have been repeatedly harassed by Discover Student Loans for the past several days. 
Today alone, they called at XXXX XXXX, XXXX XXXX., XXXX XXXX., XXXX XXXX., and just now at XXXX XXXX., when I told the person on the other end I was filing a complaint for harassment. What did the person do? HANG UP ON ME! 
In addition to these repeated calls, this is what I have had to endure : -REPEATED emails -A letter in the mail threatening, " We provide payment history to consumer reporting agencies each month, so please remember to pay the past due amount and the regular monthly payment to bring your account current. '' ( I encourage you to check my credit history! It is impeccable! ) -I could not figure out why I started getting REPEATED calls AND TEXT MESSAGES from companies offering to help me pay my loans. I could not figure out why, but now I know they got MY INFORMATION from DISCOVER! AGAIN, CHECK MY CREDIT! This is severe harassment against someone with impeccable credit because my nephew is ONE MONTH behind on his loan payment. Here are a few of those messages : " HI XXXX. You could be pre-approved 4 up to 5K in assistance. '' From XXXX ( XXXX ) Thursday, XX/XX/XXXX, at XXXX XXXX. 
" Greetings XXXX. you may be approved 4 as much as 2K in assistance. '' From XXXX ( XXXX ) Thursday, XX/XX/XXXX, at XXXX XXXX. 
" XXXX, I want to make sure we have a call. Call me back to talk about forgiveness for past college cost. '' From XXXX XXXX, XX/XX/XXXX, at XXXX XXXX. 

I have blocked each of these numbers and have reported them, but when is enough, enough?? 

PLEASE HELP ME STOP DISCOVER FROM HARASSING ME!
Product: Mortgage

I set up to have AUTO-PAY withdrawn from my bank account in XX/XX/2018. The amount would be XXXX monthly payment with an addition XXXX for principal ONLY as well. This payment is schedule to be withdrwan the XXXX of every month! 

I signed & submitted all necessary document to have this matter take place. I spoke with the personnel responsible to handle this ( XXXX XXXX ) and still my Account is not being honored.
Product: Credit card

The Company is Oportun Visa Credit Card Address : XXXX XXXX XXXX XXXX XXXX  TX XXXX /On XX/XX/XXXX at XXXX I spoke with a Oportun Representative, I requested that the account be closed and that since it hasn't been 30 calender day that the annual fee be waived since I will no longer be using the card, I requested that they both, ,email and mail me a Debt/ Payoff letter that details and state the correct status of the account, that it is closed with a zero balance, due to the annual fee being waived, that representative said that, that wouldn't be a problem, she stated that the account is being closed, a request for the annual fee to be waived will be submited, she stated XXXX minutes later that the request for the fee to be waived had been approved, she stated that I would receive a Debt/Payoff Letter that will include information and details that show the account is closed with a zero balance and that the letter will show the annual fee has been waived and I XXXX XXXX XXXX am not responsible for the annual fee, unfortunately on XXXX XXXX, I received a letter that only stated the account is closed and that their is a remaining balance, which their shouldn't be, I was no longer using the card and that the representative promised I wouldn't have to pay the annual fee because I'm no longer using the service, it appears that Oportun Visa Credit Card has already violated FTC Section 809, by refusing to provide me with the correct requested documents or document that states I'm not obligated to pay the annual fee, what companies like Oportun Visa tend to do is deliberately avoid providing information that exempts the consumer from paying fees that are no longer valid after the account has been closed, then they commit that act of inaccurate credit reporting by reporting false information on the consumers credit report, violation of FTC Section 807 ( False and Misleading Representations.
Product: Credit reporting

I have student loans that I have to repay. I was only notified by email which I do not check because I have no need to. I was n't aware of my loans going into default and being reported to the credit bureaus. I only received email, no letter in the mail or phone call. My credit score has dropped almost XXXX points due to this, which is restricting me from trading my vehicle to get a lower payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my report Im aware that the below accounts are still on my report after I called in and sent letters to have them investigated previous. I also submitted a request online and have not gotten an update. Which is a violation of my rights.

This is also hindering me from being able to purchase my first home.

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


XXXX XXXX Account # : XXXX I.C. XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items for information, any other adverse item of information, other than record of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus to remove these fraudulent accounts on XXXXUSPS CERTIFIED MAIL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XX/XX/XXXX Under 15 USC section 1681i of the Fair Credit Reporting Act of XXXX, I demand the following items to be deleted XXXX improper investigation. Under section 609, the credit bureau did not on my Federal Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me.
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns about Zelles handling of disputes, particularly in light of the recent CFPB lawsuit that highlights critical shortcomings with the platform. Despite using Zelle frequently and reporting discrepancies, both my financial institution and Zelle failed to thoroughly investigate my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was not feasible. The CFPBs findings reveal that Zelle has not only failed to protect consumers but has also enabled repeat offenders to exploit the system, leaving users exposed to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified these items listed below still 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 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigations, 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 ( a consumer contract with my signature on it ) 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. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting

While applying for a mortgage our mortgage provider worked with CREDCO to pull my credit report. During a rapid re-score CREDCO improperly pulled my credit on both XXXX/XXXX/2016 and XXXX/XXXX/2016 creating XXXX separate hard inquiries which negatively impacts my credit score. The double pull was an error on their part and should be corrected. We 've requested CREDCO report this error to the CRA 's and they 've refused.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and noticed some items I would like to dispute. My last complaint was closed but they didn't provide the method of verification in terms of how they verified the information so I'm requesting that per 15 U.S. Code 1681i ( 7 ) or the negative items need to be DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX
Product: Checking or savings account

I have my social security check of {$1600.00} directly deposited into my checking account at Wells Fargo Bank on the 4th Wednesday of every month. My last deposit was on XX/XX/18. On XX/XX/18 Wells Fargo showed my balance as {$570.00}. As of XX/XX/18 they show my balance as - {$310.00}, According to Wells Fargo, I've spent a total of {$1900.00} since my last deposit. 
I live in a small apartment that rents for $ XXXX/month. I have not been able to pay this months rent because of insufficient funds. 
I have a beat-up XXXX XXXX XXXX that is paid for. 
I receive all my medications from the VA for {$5.00} co-pay each. 
I just had XXXX at the VA in XXXX, XXXX to remove a XXXX XXXX on my XXXX, that my VA physician observed at my last bi-yearly examination. 
I owe the VA {$200.00} for the consult and XXXX, that I am unable to pay. 
I am on Medicare since I am XXXX y/o. 80 % of my medical bills are covered. 
I pay XXXX XXXX XXXX $ XXXX/month that covers the cost of the hospital room charges. I have 1 cell phone with service at consumer cellular for $ XXXXmonth. 
I don't drink any alchoholic beverages. 
I don't smoke or otherwise consume any tobacco products or any legal or illegal harmful substances. 
I make all my cleaning supplies at home. 
I don't eat out at any restaurants and cook all my own meals. 
I have an Auto Insurance policy with XXXX for $ XXXXmonth. They refuse to supply me with a proof of insurance card after multiple requests. If I am in any motor accident, I have no way to prove I am insured. 
I was a XXXX  for the XXXX XXXX for XXXX XXXX XXXX   XXXX  located in XXXX, XXXX Their main XXXX  office was located in XXXX , where I was employed. The project I was hired for at XXXX was the {$750.00} XXXX XXXX XXXX headquarters in XXXX, XXXX, I have been gainfully employed since I was XXXX y/o, XXXX XXXX for XXXX  XXXX XXXX XXXX. 
I am personally insulted, to have worked all my adult life and served my country for 6 years during the XXXX conflict ( a war made unpopular by those who refused to serve and treasonous traitors like XXXX XXXXa ), and then to be robbed of my well-earned retirement benifits by an unscrupulous banking institution like Wells Fargo. 
The photocopies I made from WFs posted transactions of my checking and savings account that prove their FRAUD and feduciary malfeasance beyond any shadow of a doubt are too large a file for your system, I will gladly mail copies of these files to you if required.