23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I took a loan out for {$1200.00} from Check City at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NV XXXX ( ( XXXX ) XXXX ) in XXXX of XXXX. I made 3 or 4 payments of approximately {$320.00} each according to the schedule set forth in the loan before losing my job and being forced to move to FL to live with my parents. I am on XXXX XXXX XXXXXXXX and without income from work only make a little over $ XXXX. When I called to speak with someone at Check City in XXXX to make the last payment, I informed them that I lost my income and they told me that the payment I was making at that time would cover the rest of what I owed them. I verbally authorized them to take that payment out of my account. Now, approximately 5 months later, they just decided to take {$830.00} out of my account without my authorization and refuse to reverse the charge. They claim that the agreement I signed when I got the loan included a clause that they could just take any amount out of my account they wanted whenever they wanted to, but they refuse to give me a copy of that agreement so that I ca verify that claim, and I don't believe it had any such clause. I have asked my bank to put a " stop payment '' on the charge and any further charges from them, and will be disputing the charge if/when it processes. I spoke with the branch manager at the location where I got the loan originally, as well as an individual at the company 's collections department, and neither of them were willing to reverse the charge or provide me with a copy of the terms of the loan.
Product: Credit reporting or other personal consumer reports

I am writing this Complaint as a notice of noncompliance from DISCOVER BANK. XXXX XXXX XXXX XXXX XXXX. Account number XXXX XXXX XXXX On the XXXX XXXX XXXX XXXX  report in the month of XXXX XXXX XXXX  there's a XXXX  days past due reported on my report. That's not accurate. 

On my XXXX report The last payment made says XXXX, XXXXAlso on my XXXX account Discover Bank has XX/XX/XXXX and XX/XX/XXXX as current. Which makes no since. 

On my XXXX account Discover Bank has XXXX of XXXX as XXXX  days lateXXXX of XXXX as XXXX days late. XXXX of XXXX as XXXX days late. 
XXXX, XXXX and XXXX of XXXX all have XXXX days late. 

On my XXXX Account the Discover Bank account closed date is XX/XX/XXXX. However, I have late payments on my report after the closing date. 

On My XXXX report I have late payments reporting from XX/XX/XXXX to XX/XX/XXXX and then charged off in XXXX of XXXX. How do I have late payments reporting after the closing date? Because Discover is reporting XXXX different closing dates. I have a closing date for the account in year XXXX and another closing date in XXXX. Just these XXXX bureaus alone have major inaccuracies. They are not reporting the same. Also because of the inaccuracies in dates it is implied that they wouldn't even fall off at the same time because they are so different. Furthermore, Every Time I dispute they keep reporting in remarks " Account information disputed by consumers meets FCRA requirements. While it's their duty to make a remark that I disputed ; Nothing above meets FCRA Requirements. The FCRA states, specifically 15 U.S.C 1681s-2 ( a ) ( XXXX ) ( a ) which states " Reporting information with actual knowledge of errors. 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. '' 15 U.S.C 1681s-2 ( a ) ( XXXX ) ( b ) states " Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii ) the information is, in fact, inaccurate. '' They refuse to delete the account thats has so many inaccuracies. Thats not right. They know its wrong and they keep saying it meets FCRA when it clearly doesnt. It isnt the same across the board. Its wrong. Several Late payments after closing dates. XXXX different closing dates. XXXX different charge off dates. XXXX different fall of dates. They XXXX XXXX XXXX the account. This is not my first, second or third dispute. At this point its because fraudulent and willful non compliance. They clearly arent investigating anything.
Product: Student loan

I am writing regarding extreme disarray with the functioning of my student loan servicer, XXXX XXXXg. I received emails indicating that my loans were in a grace period after graduating. Therefore, I was shocked to discover a large debit from my checking account via my loan servicer. I reread the emails to be sure I hadn't misread the content, and I was able to confirm that they indeed stated that my loans were currently in a grace period. In order to have documentation of my contact with my loan servicer, I emailed my inquiry about the situation using my loan servicing account online and for weeks I did not get a response to my question. I called to follow up on the issue and was told that the email that was sent to me was not correct in stating that my loans were in a grace period. Only some of my loans were in a grace period, but others were not, which caused the large withdrawal from my checking account. The representative could not provide me with any information regarding why I had been sent incorrect information regarding the status of my loans. 

Since I am taking care of an elderly family member with XXXX in lieu of working, I am unable to afford my student loan payments at this time. I applied for an Economic Hardship Deferment, and provided documentation using the online file upload. I have not received any acknowledgement that my application for deferment was received or processed in three days it will be one month from the date I applied. I called again and was told that my application was received but it has not been processed, and that it could take up to 20 business days, but that the processing times have been beyond this time frame. I was told by the representative that the only option was to contact my bank to file for a stop payment, which cost {$30.00}. After having the bank put a stop payment on my account I received an email from XXXX   XXXX  indicating that they had processed another debit from my account. When I went to verify this with my bank I found that this was incorrect, because the stop payment prevented the debit from being processed. Yet another email which provided correct information from my servicer. I understand that I am not alone in my experiences with this company. My experience with the company related to the Public Service Loan Forgiveness program has been terrible, with the  company losing my paperwork repeatedly. The conduct of this student loan servicer is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian advertise free credit report. I signed up to get my free credit report and was later charged {$14.00}. I did not sign up for this monitoring service. I called Experian and they told me that they could not refund me after trying to sell me on the service. I had to insist that I did not sign up for this service to finally have them issue me a refund. Experian says all over the website FREE credit report. I was never aware that I signed up for credit monitoring for XXXX. This is a bad practice from Experian. I have used XXXX and XXXX for free credit report and was never placed in a monthly credit monitoring program. This practice by Experian is deceitful and harmful to consumers. I am not a rich person and check by bank statements daily. If I did not check on this bank account, I would just have paid the XXXX monthly
Product: Other financial service

I contracted with Credit Guard to help me to pay off a dental bill along with some credit card bills. Credit Guard had stated the they would pay off the bill in full along with some other credit cards. I would pay {$93.00} a month for 36 months. I was at my dentist office today and they were not paid in full as they should have.
Product: Credit card or prepaid card

Back in 2019 I was Traveling XXXX different XXXX. Including XXXX XXXX. to do " XXXX  this is XXXX of " Religious ' obligation Every XXXX to Perform in " XXXX  '' XXXX XXXX. 
Before, I went to XXXX XXXX, I went to See my Elderly MOTHER in /XXXX  XXXX XXXX. I was require to Obtain XXXX XXXX. Therefore, I Use LOCAL TRAVEL AGENCY called ( XXXX XXXX XXXX XXXX ) I haired them to arrange All my Ground Logistics, in XXXX XXXX, such as HOTEL, Ground Transportation. And A. Assistance as a XXXX. in XXXX, XXXX, XXXX. 
Unfortunately ; As I arrived in XXXX on XXXX, 2019 my Assistance / Helper NO SHOW. NOR Ground Transportation XXXX to " XXXX '' And I was put in to Very Bad SITUTION. I have to go through, with very Difficult Time. Unknown to Me .Language Barrier and many Hindrance to FACE. 
All that said ... I arrived in to XXXX, Hopping, I will have My HOTEL RESERVATION as I was Told by this COMPANY. I haired. Unfortunately, As I arrive to the Designated HOTEL, NEW Discovery I have NO Reservation. PASS Mid NIGHT Here I am with nowhere to GO. Ultimately. The Company I Haired on of his person contacted me. And Put me in to a Very unpleasant Place to Stay Overnight. 
The Package I. have Bought, I suppose to be Staying 5Star HOTEL, and other Services.as well was Includes. Pre PAID to the Travel AGENSY Via My VISA WELLS FAGO Credit CARD. FULL Amount was PAID. {$2000.00} itinerary Due to None Performance of XXXX XXXX, I have to Cut SHORT my Trip and Re-Shuffle my. itinerary And return to XXXX XXXX THANK YOU
Product: Credit reporting or other personal consumer reports

I am filing this CFPB affidavit complaint to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EXPERIAN Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

The fraudulent, inaccurate, and false information consists of : 1- Fraudulent accounts : Ability recovery services opened on XX/XX/XXXX, US dept of Ed opened on XX/XX/XXXX, US dept of ed opened on XX/XX/XXXX Those accounts are results of identity theft and fraudulent collections appearing on my consumer FICO credit reports. I attach a list of accounts in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections as reported. Those accounts, collections, appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the stated accounts, collections, are the results of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Product: Vehicle loan or lease

I informed the CFO that I, XXXX XXXX, agent on behalf of XXXX XXXX, principal hereby accept all titles, rights, interest and equity owed to XXXX XXXX, principal. 
I advised the CFO of the company to apply the to apply the principals balance to the principals account for each and every billing cycle for set off. I also instructed the CFO, to communicate in writing once instructions are completed. This is instructed to happen within XXXX business days. 
I sent my Claim of Credits letter on XX/XX/23 I sent my Opportunity to Cure letter on XX/XX/23 I sent my Default Notice letter on XX/XX/23 With these documents I provided a durable power of attorney as well as references to federal reserve act sections 16 and 29 in addition to copies of multiple endorsed bills relating to the accounts.
Product: Credit reporting

I am in the process of disputing several inaccurate items on my credit report which has taken several months to resolve. While attempting to access my report via Experian, I have been denied access to my records. This is highly frustrating and the website informs me that I now need to buy a report from them. I am not interested in spending money to correct errors and omissions on my report just to benefit Experian 's profits. I have tried several times over the course of a couple weeks to no avail.
Product: Credit card

I have a Chase business credit card # XXXX with a {$4000.00} credit limit. I have had this card since XX/XX/XXXX. I pulled my credit reports on XX/XX/XXXX and found that the card was n't listed at all on any of the XXXX credit reports. I sent certified letters to all three saying they needed to add the card to my report. Today, XXXX said it is the responsibility of the credit card company to report the card to the XXXX companies. 

So I called Chase and they claimed it is their policy not to report any business cards to the XXXX companies unless the person falls XXXX days delinquent on the card. I explained that it is my card for my business, a sole proprietorship. I said there is a payment history there I want on my report because it is perfect and I am trying to build better credit for myself. They refused to add the card to my credit report. 

I explained that I have another business credit card from XXXX XXXX # XXXX and it appears on my credit report. Chase did n't care. They refused to do what I asked. 
That Chase bank is picking and choosing which cards they would like to report is unfair and is affecting my credit score. It seems like it may even be illegal. That Chase will report the card when your credit is bad ( XXXX days delinquent ) but NOT report the card when I have excellent credit is also unfair. I 'm not sure what to do. Are they breaking federal law? They certainly are not serving the customer with this policy. If I had that additional credit of {$4000.00} on my report, my ratio of debt to credit would go down and I believe my credit score would go up. Can you help me with this matter? 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order I have some credit inquiries that are related to none of the aforementioned permissible
Product: Debt collection

On at least two occasions XX/XX/23 and XX/XX/23, I've spoke with someone to request that my phone number be removed from their database. Both times they agreed to do so. They continue to call looking for different individuals which is very disruptive to my workday. If I don't answer the call they will leave a message that I don't need. 

Please have them STOP calling my workplace looking for their debtors, it is highly inappropriate and annoying. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX account XXXX ; XXXX XXXX  XXXX account XXXX ; US BK COURT account XXXX ; XXXX account XXXX XXXX XXXX account XXXX ; and XXXX XXXX XXXXXXXX account XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Product: Debt collection

I received a notification in XXXX about a XXXX XXXX  debt that I don't recognize. Below are the details of what I found in the XXXX report. 

Creditor Information UNITED CREDIT & COLLECTI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Opened XX/XX/2021 ( 1 mo ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Closed No Info
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX had an OPEN LETTER OF CREDIT account, BY ACCORD & SATISFACTION with Bank of America, and which XXXX XXXX XXXX XXXX. CORPORATION CEO issues Signature Dollars in United States Currency Notes, that Float freely, that are EXCHANGED INTO THE FEDERAL RESERVE PROMISSORY NOTE CREDIT, to XXXX Balance account of any Debt/Debit but Bank of America, act not in Honor of my qualified Signature upon their Application to lay on my Signature Dollars in United States Currency Notes, that are swapped into Federal Reserve Promissory Note to Settle any Debt/ or Debit of my Dollars in United States Currency Note. I mandate that Bank of America honor the Closed Account debiting and crediting sum totals to XXXX Balance any Account from the ISSUING OF SIGNATURE DOLLARS IN UNITED STATES CURRENCY THROUGH THE CLOSED ACCOUNT.
Product: Vehicle loan or lease

I applied for an auto lease/financing through Tesla at their dealership in XXXX, MD. 
Days later, I learned that the loan was denied. 
When asked for reason for denial, I was given limited information, specifically that I had an insufficient credit history. 
However, I have impeccable credit ; an XXXX credit score. I have paid off 7 car loans in the past 8 years, paid a $ XXXX house off in 2019, and currently own a home which is mortgaged. In addition I have multiple credit cards with limits ranging from {$2000.00} - {$20000.00}, all of which have a low balance, as they are paid in full prior to the end of each month. 
I sent multiple emails requesting more information as to why I was denied. I was never given a response, nor a written explanation as to why. 
After voicing my concern on multiple occasions, I was told they would approve my loan. The terms presented were outrageous. They requested a $ XXXX down-payment on a 36 month lease. 
I have never been requested to make a down-payment on a lease due to my exceptional credit. Their out-ofpocket requirement nearly covered the entire lease obligation. 
I decided to request a loan elsewhere. I was approved immediately, with the lowest interest rate they offer. 
This proves Tesla 's denial for financing, and outrageous leasing terms to be unjust.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and support, which violates The Consumer Financial Protection Act ( CFPA ). Here entails the following items that have been happening to me with regards to my Cash App account ; Cash App has failed to take effective measures to prevent and address fraud and scams on their end, leaving my account vulnerable and causing my first account to close due to community guidelines when all I was doing was sending money to family and friends across the platform. Furthermore, their dispute and resolution process is absolutely horrendous, there are NO live agents, NO help center or number to call when suspicious activity or transactions needs to be reported, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience into my account, as well as my bank account because it is connected to Cash App and I have lost significant financial support or loss and I seek appropriate redress for these violations.
Product: Debt collection

ENHANCED RECOVERY CO ACCOUNT NUMBERs : XXXX XXXX XX/XX/XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ENHANCED RECOVERY CO or any company associate with this account # XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt XXXX give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ENHANCED RECOVERY CO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX, AK XXXX
Product: Checking or savings account

As discussed in greater detail in the attached documents ( Exhibits A-D ), we learned on XX/XX/XXXX, that our XX/XX/XXXX estimated tax payment of {$20000.00}, that we had mailed to the IRS for XXXX taxes, had been stolen or otherwise diverted from the IRS, that a fraudulent check to an individual unknown to us, with a notation reading gift, with a forged signature had been fabricated and substituted for the check to the IRS, and that Bank of America had paid out that fabricated check through a mobile deposit at a Georgia branch of XXXX XXXX XXXX XXXX. Although we had signed up for fraud alerts on our account, Bank of America did not send us a fraud alert or make any effort to verify this check notwithstanding that the signature bore no similarity to either of our signatures, that it was written on a different check template from our checks and that it was a huge amount of money written to an individual and deposited as a mobile deposit in a distant bank. 

We immediately filed a fraud complaint with Bank of America and had expected it to honor its obligation not to pay out forged checks and to reimburse us for their gross error. Having recently learned only this month that Bank of America does not intend to do so, in fact has failed to investigate this matter at all despite having taken over XXXX months to " research '' it, we file this Complaint. We request that the CFPB XXXX Bank of America 's failures to honor its responsibilities to its customers ( we assume we are not alone ) and direct the bank to reimburse funds that have been stolen through forged checks. 

Thank you for your attention to this matter.