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

I purchased a set of tires and financed the original amount with Acima Leasing. I made weekly payments of XXXX for several weeks and then I called on XX/XX/2023 and got the payoff amount from Acima and was advised that the payoff was XXXX. On XX/XX/XXXX, I made a payment of XXXX to pay off the loan in full and went on my way. I heard nothing else from Acima and then on XX/XX/2023 I noticed that Acima had withdrawn XXXX out of my checking. I called and spoke to a representative and he advised that when I paid the XXXX on XXXX XXXX that I was XXXX short of my payoff. I advised him that I payed exactly what I was told to pay to payoff the account and he said that it didnt pay off the account and now I owed XXXX more XXXX  since I did not pay off the account. I again advised that I paid exactly what I was told and he said that I only made a lump sum payment and did not pay it off. I then asked him why would I make a lump sum payment short of the payoff by XXXX. He then said I dont know what to tell you I advised him that I had paid what I was told to pay off the loan and he again advised that if I wanted to pay it off I would have to pay XXXX. I asked him if I was only XXXX short why would I have to pay XXXX and he said because I didnt pay it off in time. I asked, if that was the case then why did they wait 6 months to take a payment out and he advised that he couldnt tell me. I have tried to talk to several people and they will not discuss it with me. I blocked them from my checking account and now they have started charging my credit cards. 
I paid exactly what I was told to pay it off, this company is trying to get more money and the have all ready taken XXXX from me which would more than pay the XXXX, if I owed it which I dont. Why would I have just randomly payed XXXX if I was not told that would pay off the loan.
Product: Debt collection

1. this account was taken to court and legally dismissed by a judge. There is no further balance owed and the collection company continues to report the collection balance as XXXX dollars 2. this account was taken to court and default judgment granted for {$500.00}. Collection company continues to report account to all XXXX credit bureau 's with a balance of {$910.00}. Account has also been paid on through original creditor. 

Both of these accounts have been disputed on three separate occasions and the collection agency continues to report inaccurate and unsubstantiated information.
Product: Credit card

I purchased a total of XXXX items from kohl.com. I then received a package with XXXX items in the box for which I did not order. I called kohl and was told to return the wrong items in store and i will receive a full credit for the correct items and a refund of the shipping charges. I go inside the kohl location in XXXX MD, speak to the manager XXXX who confirms I indeed returned XXXX items that was placed in the box to a kohl.com agent and I was then advised I would get a full refund in about 7 days. Now, i received a second bag with a book i ordered XXXX and i do n't expect to get that back. Im told that all calls are monitored and recorded and nearly everyone i spoke to seemed to advise me i returned XXXX items not XXXX. I called in with the manager, XXXX, from the kohl store I was given a reference number of XXXX that should have stated i returned all XXXXitems that were shipped. I only received part of my full credit. Ive been getting the run around, no one seems to be able to help. I just want my full refund as I returned all the items i received.
Product: Money transfer, virtual currency, or money service

I am fining 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 E. These actions caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Aspire broke the arbitration agreement they put in place by closing my account and posting late payments ( see attached ). XXXX, XXXX, and XXXX should not be showing late fees or closed accounts on my consumer report. Also there was no adequate notice given, according to 15 USC 1602 ( k ). My most recent reaching out to them was XX/XX/2022. Also I do not consent to XXXX XXXX for verification.
Product: Student loan

To Whom it May Cincern, I have been struggling to make payments to XXXX XXXX for the past two years ( since XX/XX/2016 ). Ultimately, I had no choice but to utilize all 12 months offered in forebearance ( broken up into 3 or 1 month increments ), just to stay afloat. I am not trying to escape my responsibilites as a borrower. I am well aware of the amount owed on my loans and I am more than willing to make payments in an effort to reduce my stuudent loan debt. However, I went from making $ 80- {$90.00} payments on my student loans, to exhausting all of my financial resources to come up with almost {$900.00} a month in payments to XXXX XXXX . I have spoken to plethora of representatives ( XXXX, XXXX, XXXX to name a few ), from both the customer service and the collections department at XXXX XXXX, and most of the time, my conversations with them are not pleasant. I have received mixed responses from the call reprsentatives on how to pay my loans and what " programs '' I qualify for, yet I am still unable to lower my payments. As a result, I became delinquent on other debt responsibilities including my federal student loans because my income does not correlate with the amount of money that I have coming out. XXXX XXXX, is honestly one of the worst private student loan companies out there. They are insensitive to the isssues and concerns of their clients and are extremely unprofessional. In my conversation today with representative XXXX, I was told that I knew what I was getting into when I borrowed XXXX in student loans, and that there was nothing that could be done to lower my payments besides automatic debit, or waiting until I'm delinquent in 5 days to receive a call from collections. I am honestly confused as to why XXXX XXXX ( who has ties with the Dept. of Education ), would not want to help their customers avoid missing a payment in and " try '' to actucaully help reduce the amount of debt owed to their company. Their lack of regard for their customers, honesty, and integrity is astounding. I am seriously considering taking legal action against the company just to lower my payments which is unfortunate.
Product: Checking or savings account

I wrote to U.S. Bank ( formerly XXXX XXXX  ) to ascertain whether my deceased husband, XXXX XXXX XXXX, had any safe deposit boxes or accounts with their bank. I sent U.S. Bank 's Legal Department my Letters of Office as Administrator of the Estate of XXXX XXXX XXXX, Deceased, in XXXX County Probate Court, XXXX XXXX XXXX as well as the Certified Death Certificate. Ms. XXXX XXXX of U.S. Bank Omnichannel Customer Service responded on XX/XX/XXXX, never stating that U.S. did or did not have an account in my deceased husband 's name, but requesting that I provide them with a " valid account number '' in order to process my request. My husband 's social security number is on his death certificate, and I told Ms. XXXX that this is the United States of America and that accounts are not tracked in the U.S. by account number only, as in a XXXX XXXX   account, and that she could locate any account for my husband by his name as he was the ony XXXX XXXX XXXX in the State of Illinois and likely in the country. I called U.S. Bank 's 800 number and was told they would file a report with their " Life Events Department '' who would be in touch with me. By taking me in circles, I believe U.S. Bank may have released the contents of my husband 's safe deposit box or accounts to someone else who was not entitled to it, i.e., possibly his daughter, XXXX XXXX, who is co-heir with me to her father 's estate. I need straight answers from U.S. Bank rather than being taken in circles with them requesting a valid account number. They never said, " We do not have an account at all for XXXX XXXX XXXX ''. I have provided the proper documentation and could provide a subpoena for their records if necessary through my Probate Attorneys, but I have spent thousands already in legal fees and only want a bona fide answer as to whether U.S. Bank has accounts or safe deposit boxes in my husband 's name.
Product: Credit reporting or other personal consumer reports

someone accessed my information and try to apply for something in my name XXXX transunion
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On Saturday, XX/XX/2020, I checked my XXXX checking account that was at a XXXX dollar balance. I knew that the locations were closed, so I called a XXXX branch that following Monday, XX/XX/2020 to speak to a representative regarding the XXXX dollar balance. While speaking with the representative, I was relayed the information that a debt collector had put a legal hold on funds in my account in the amount of {$490.00}. I was then relayed the name of the law firm who placed the hold, Protas, Spivok, & Collins , LLC. According to the XXXX representative, the firm ordered the legal hold on my funds/ The XXXX representative told me to contact them at their primary corporate contact number ( XXXX ) XXXX ( public information ). Approximately two weeks later, I reached out to the law firm and reached the secretary. The secretary transferred me to a voicemail and I left a message pertaining to the hold and my contact information. I repeated this process approximately five times and never received a response. A friend of mine acting on my behalf also contacted the firm, and their phone call was returned. However, during that brief conversation, the attorney on the line said he could not release any information about the hold or the funds to myself or my friend, because the debt was not in my name and he was not authorized to disclose any other information. 

In summary : Funds are being held in my bank account for a debt that is knowingly not mine by the law firm, and I am being kept in the dark about the situation with no ability to relieve the debt or resolve the issue and release my funds.
Product: Credit reporting or other personal consumer reports

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. So please have these accounts UPDATED : XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Mortgage

I was informed today, by letter, that Chase Bank has sold my mortgage to XXXX XXXX   XXXX. This company is a debt collection company fronting as a mortgage company. I looked for reviews on XXXX and found an over abundance of terrible rating complaining about things such as charging fees for paying mortgage, inflating escrow payments and poor customer relations. 
I don't want my mortgage to sold to a cut throat debt collection agency posing as a mortgage company. There are literally hundreds of on line complaints ; where is the federal government?
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from XXXX. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ) Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).

I attached a consumer report as Evidence
Product: Credit card

A fraud claim was filed with Bank of America ( BOA ) regarding an application for and receipt of a credit card. The account number for the card is xXXXX XXXX XXXX XXXXXXXX. The card was never used for any reason - purchases, balance transfers, or lines of credit. The credit card was received but never used. I started to get statements from BOA regarding fees and interest charges. Recently, I received a phone call from BOA telling me that i have an outstanding balance for over {$600.00}. 
After several calls to BOA, we requested the source of the fees/interest, and asked for a complete transaction history. 
We received statements and a photocopy of a check dated XX/XX/XXXX XXXX showing what we were told was a balance transfer, to an entity called XXXX XXXXXXXX. This is the only transaction on the account- as I knew since the card was never used, and was also told the same by BOA. This check was never known by me, I was never told by BOA of the existence of the check, it was never authorized by me, and I had no knowledge of the payee ( XXXX XXXX ) or payment until I received the requested transaction history with the photocopy of the check. 
After several fraud claims were opened, we were told that the only transaction on the account was the check to XXXX XXXX. The check number is XXXX XXXX XXXX XXXX - XXXX. After a call by me today, i was told that BOA can not tell me who drafted the check, or who XXXX  XXXX is, or any further information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two days ago I submitted a complaint to all three credit bureaus regarding their failure to raise my score after their investigation and removed inquiries. I further explained that when the fraud inquiries happened my credit scores all dropped over 5 points each but when they were finally removed my score only went up one point. I received confirmation that the CFPB submitted my complaint and just today I was alerted from XXXX XXXX that my scores all dropped today by 14 points each. I checked and there was no reason for this to happen, there are no new inquiries or any payment errors. The Credit bureaus dropped my scores on purpose as retaliation for my complaints
Product: Student loan

I attended XXXX University from XXXX 2015 to XXXX 2015. Navient repeated states that they can not see the loan in XXXX, stating that they need a paper proof of attendance to give in school forbearance for that period. I printed off the only copy available on their site & the school completed it and sent it in. Daily calls continued and at least XXXX I have provided this information. They state that a federal form was provided but the representative from Navient can not find the private form they say is required on their site. 3 weeks ago, they said they would put in my Navient correspondence inbox. They have now put delinquient notices, and I have told XXXX callers, I need the form they require & they did not provide it, nor could they show me how to find it on their site.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report from credit acceptance for XXXX. They are reporting this account open. It should be closed. I havent made payments since XXXX. It is set to fall off my credit report in XXXX. They also reported an older account fraudulently. They reported i made a payment in XXXX and i never did. It was the auctions payment they are counting as mine. Please help me i want to seek legal action if they do not fix this.
Product: Credit reporting or other personal consumer reports

Inaccurate information I am listing account below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. This company is reporting inaccurate high credit amounts, Last reporting dates, Date last Active, and Date of last payment. In pursuant to 15 U.S.C. 1681 Congressional Findings, 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. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Below listed Inaccurate accounts & Inquiries : DP OF EDUC # XXXX Is Reporting 4 Different Inaccurate Accounts on my consumer report THAT DOES NOT BELONG TO ME.

DP OF EDUC # XXXX Is reporting 2 Inaccurate account on my consumer report THAT DOES NOT BELONG TO ME. 

XXXX XXXX XXXX XXXX # XXXX Is reporting 2 inaccurate High Credit Dates / 2 inaccurate Dates Last Active / 2 Inaccurate Credit Limits / 2 Inaccurate Last Payment Dates XXXX XXXX XXXX XXXX XXXX  # XXXX Is reporting 2 Inaccurate Open Dates / 2 Inaccurate High Credit / 2 Inaccurate Last Active Dates XXXX # XXXX Is reporting 2 Inaccurate Open Dates/ 3 Different Hight Credit Amounts / 3 Inaccurate Last Reporting Dates/ 3 Inaccurate Last Active Dates / 2 Inaccurate Last Payment Dates Inquiries : XXXX XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

When pulling my credit, I noticed there was a medical bill showing on my credit report in which I have no knowledge of from Phoenix Financial Service ( XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ). 

On XX/XX/2020, I sent a certified letter to Phoenix Financial Service in efforts to validate the debt shown on my credit report and better understand what was being reported. Today XX/XX/2020, I have not received a response or documentation validating the debt in questioning. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g Section 611 ( a ) ( 5 ) ( A ) ( i ) since Phoenix Financial Service is unable to verify the accuracy of the disputed account they must promptly delete this item of information from my file. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness.
Product: Debt collection

I am unaware of the debt with Hunter Warfield Collection Agency they have not provided validation of information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report for account # XXXX. If in fact you feel I have received proper notification, please provide a copy of the certified mail receipt with my signature. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) this collection agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. Hunter Warfield Collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I am disputing owing any and all debts. I am also revoking all rights of communicating with me through email text or calls. I am requesting debt validation, a purchase agreement between myself and the original creditor, and to furnish proof that you are licensed and bonded. 

XXXX XXXX Without Recourse XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

With experian I have tried to talk to several people with no results. 
It begin when experian wanted my banking information and I refuse to give it to her and I notice from that point they went to messing with my credit score by gradually lowering it. 
Now they sure on me that I've always been late with payment which is untrue all of my payments is set up through the companies for auto draft!
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen. Someone unfroze my Experian credit file and opened bank accounts at XXXX  XXXX XXXX XXXX on XX/XX/2022. XXXX  XXXX XXXX XXXX said the person has my social security number and a copy of my passport. The accounts have been closed, police report filed, credit file refrozen, form filled out at identity theft.gov. Can not get connected to a person at Experian to ask how the credit file got unfrozen. Working on canceling passport.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mohela added the incorrect balance to my credit report after verifying the correct balance. I spoke with XXXX XXXX who misrepresented himself as a supervisor, and was unable to help me. I then spoke to XXXX XXXX ( supervisor of customer advocacy ) who stated there's nothing he could do about the balance until they verify it. This is extremely frustrating because I sent a copy of the discharge letter. The customer service I received from both XXXX and XXXX was very upsetting. I definitely regret that XXXX XXXX transferred my loans. Now my credit report is suffering due to this mistake. According to XXXX, it could be incorrectly reporting for 90 days or longer!!!!!
Product: Checking or savings account

Basically, my social security number was ripped globally ... probably. 
The mafia stole my identity because I know a criminal that recently passed away that had my social security number and XXXX password for quite some time. 

That is just for starters you might want to check student loans and car loans and bank accounts etc XXXX XXXX issued a card to XXXX ( revolving charge account ) in XXXX wisconsin a few years back and random stuff popped up on my credit reports from each credit agency. 

Loans ... addresses.. random stuff that I need " nipped in the bud. '' please help .... i ghostwrote for the music industry as well. ( made XXXX )
Product: Debt collection

Received notification from collection company PayCourt in regards to a debit that was owed back from XXXX of 1994. This is a XXXX year debt in which this is the 1st attempt the company or original creditor has ever contacted me. 

What's confusing to me, is this is far past the statue of limitations and if this is a debt of mines, why wasn't I ever contacted before. I'm not sure if this is a scam, in attempt to collect {$470.00} for fees. I'm requesting this company stop all attempts of collections and possible negative impact to my credit.