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

Last week, I received a check in the mail for a {$1200.00} " XXXX XXXX ''. 
The check is dated XX/XX/2021 from Worth Finance Corp., XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. 

The terms of the loan are 12 payments of {$150.00} for an APR of 82.51 %. 

I did not seek this loan. All I need to do to accept this loan is to cash the check. 

This appears to be a bulk mailing. ( Mailed from zip code XXXX Permit No. XXXX ) I believe the interest rate is usury. If this conduct is not illegal, it probably should be.
Product: Student loan

This is an additional complaint regarding Fed Loan. I have been employed with the XXXX  XXXX XXXX XXXX XXXX since XX/XX/XXXX. This is a qualifying Employer. Fed Loan indicated I am ineligible for periods of XXXX XXXX XXXX. I worked for the same qualifying Employer. 40 hours a week. Why were these skipped. The rest of XXXX and XXXX were considered Qualifying payments. However they skipped these. I had consecutive Employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account # XXXX ( XXXX ) / XXXX XXXX # XXXX ( Experian ) was opened fraudulently by a former member of my household without my consent and was concealed from me until they were no longer a member of my household. In an effort to resolve the matter as quickly as possible without involving law enforcement I made an agreement with XXXX XXXX / XXXX XXXX XXXX to pay the amount of {$1300.00} in to settle the account in full in exchange for non-reporting of the account on my future credit reports. XXXX XXXX XXXX accepted my payment and as their representative 's letter states ( see attached ) " the account listed above has a balance of XXXX '' and " that this matter is satisfied ''. Please remove the aforementioned account from my credit reports immediately
Product: Debt collection

Aargon Agency Inc is tempting to collect money from me. Ive never heard of them never seen them. Also they have it in my credit which is impacting my ability for financing.The day it opened was XX/XX/1922 XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Dispute of Unauthorized Hard Inquiries on Equifax Credit Report Dear CFPB, I am writing to formally dispute several unauthorized hard inquiries listed on my Equifax credit report. Despite previously contacting Equifax directly and providing evidence that these inquiries were not authorized by me, they have failed to rectify the inaccuracies. 

Details of Disputed Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 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 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 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 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  Explanation of Dispute : These hard inquiries were not authorized by me and have adversely impacted my credit score. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unauthorized information on my credit report. Equifax has failed to investigate and remove these unauthorized inquiries within the mandated XXXX period. 


Copies of my credit report highlighting the disputed inquiries. 
Correspondence with Equifax regarding my initial dispute. 
I appreciate your prompt attention to this matter. Please contact me if you require any additional information. 

Sincerely, XXXX XXXX
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. Has Violated my rights 1.XXXX  -XXXX  Account Number # XXXX  XXXX XXXX -XXXX  Account Number # XXXX 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 instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more 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: Debt collection

Am writing to dispute these collections accounts. Under the laws of the FDCPA and under the advice of my attorney, I have already sent a dispute to the agency requesting validation of the debt with no response, asking them to validate my debts, and the receipt showing that I send this letter certified signature requested. This debt are not mine and I was given no evidence of my obligation to pay this debt to these collection agencies. Therefore, I have sent these agencies a Cease and desist Order and have complained to u CFPB. With that said, you are obligated by law to remove the item immediately before Im force to take legal action.
Product: Credit reporting or other personal consumer reports

these accounts were opened without my knowledge or consent. this is a result of id theft
Product: Debt collection

In the beginning of XXXX I ordered my credit report and noticed that Westlake Financial services was on there. I disputed this account multiple times for verification and came back each time FCRA verified. After reaching out to customer service they wouldn't give me any info on this account stating that it was sold in XX/XX/2019. Westlake failed to notate that on my credit report therefore they violated my consumer rights to have an accurate and clear credit report. Even going as far as their customer service rep and supervisor telling me because it was sold I couldn't get information on the account that's still reporting under Westlake Financial Services on my credit report. This is illegal and unjust.
Product: Debt collection

I am writing to report an action of a company. The company Conserve they are handling a debt I owe. I 'm writing this because I was treated unfairly. I was never given a notice. Which in this notice states I has the right to challenge or make a payment arrangement. Some how they sent the notice to wrong address I have n't lived in in years. I contacted the original debtor. I told me they did have my correct address. I informed the company Conserve sent the notice to my old address. I said they had the new address for awhile. The biggest problem is when I informed Conserve. That i never got the notice. I was meet with attitude and bad business ethics. Conserve said it was my fault they had the wrong address and not their in a very angry and discomfort way they told me. As if they was saying we do n't care what we did. The confusing is Conserve some how had my current employer address correct. But had my current address wrong. I started working for this company while after I moved. It seems to be Conserve did this so I could n't fight the claim. I would n't had thought this if someone would had said sorry we had the wrong address. But instead they made it seem like it was my fault trying to be little me or bully me into saying nothing. I felt a lot of discomfort. I felt I like I just got bullied into something and had not control. Cause I was never given my right to settle or make a payment arrangement. I told Conserve they they do n't show up on my credit report. They informed me that they would n't show up. This is what scarred me an outside party is collecting something and there is no paperwork on my credit report of them. I felt like i was be even more bullied. And that the none notice was intentional to collect on a debt before I could stop it. I filled out all their requirements to have the debt lifted. I was told I could fax it in so I did. They said they sent it off to the original debtor to go over to see if the debt can be lifted. I was told I could send in extra information. I sent in extra info later. So I called and was informed they they do n't know if the extra info would be used. They just told me that it would be. So I ask is it a way I can check on it. They told me no. That they do not know who is handling the debt. They just sent it off and wait. I have no clue if they really sent it off or not. They had my address wrong and something do n't seem right. I do n't trust them. They said it can take two months to hear something. I do n't feel it really takes that long or they just stalling. I just feel helpless and looking for some help.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 XXXX
Product: Student loan

I have both federal and private student loans through Navient. Right now I have my federal loans in deferment, while I was told that this is a " Cap '' on the number times I can do forbearance or deferment on my private loan. Allegedly I am maxed out and my payments are not affordable at all. I have done income based and interest only and it seems that I am paying more than I can afford. They are not working with me and I am behind on payments to the point where I may be facing litigation because I can not catch up. I get harassing phone calls daily. I have given these people my income and other information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Balance : {$9300.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act parentheses CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an 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 have caused significant inconvenience and financial loss and I seek to gain appropriate redress for these violations.
Product: Debt collection

Debt is older than XXXX years, from 2004 and so is the delinquency date. I 've asked for debt validation and they refuse to provide me validation. They keep updating the date of the account opened date to it stays on the report longer which is against the law.
Product: Mortgage

My XXXX  passed away and had his first mortgage through Santander Bank. I was appointed administratrix of the estate and sold my dads house on XX/XX/23. My lawyer reached out to Santander twice prior to obtain a payoff providing them with the death certificate and my administratrix paperwork which was all approved by the court. Santander on the first payoff request provided a payoff but then when my lawyer attempted to get an additional payoff that was within 10 days of closing, they refused. My lawyer sent the payoff with plenty extra to ensure the lien release was complete and the loan paid off. I got a letter in the mail addressed to me stating they needed a copy of the deed and a copy of my license. I provided this via email and received a confirmation that it was received and that it would be reviewed within 3 business days, that was on XX/XX/23. I reached out again via email today XX/XX/23 to ask for a status as it had been well over the timeframe provided and was told at first the email is only for receiving documents and then told they found the document and that I now needed to send a letter advising that I was the administratrix of the estate and heir to the loan. They are making me jump through hoops and n providing wrong information at all steps of dealing with this. I have asked them to confirm that the loan was paid off and that the lien was released as I have the legal responsibility to handle the estate and they are refusing to provide me this information. I advised them I was going to file a complaint with the cfpb and received a response stating these are requirements of the cfpb when my dad also had a second mortgage with citizens bank and they did not give me any trouble with payoff quotes or releasing the lien of the home and sending the overpayment back. I am asking for help as Santander bank is refusing to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a thorough investigation on my credit report and seen a collection on my credit report that doesn't look right. 

XXXX XXXX Date Opened : XXXX/XXXX/2022 Amount {$770.00} This account is not mine.
Product: Credit reporting or other personal consumer reports

I have contact Equifax several times by phone and by mail asking to remove account with incorrect name and information and they hade sent me a letter requesting some information like my DI, W2 and proof of address which l did as they asking ( I will upload a copy of the letter below ) but still they haven't removed it and this is effecting me deeply because l am trying to get a home loan for my kids and this is effecting my credit report and it's costing me a lot of money highering credit repair companies to fix this issue on my credit report, can you please please complete my request as this is taking a toll on me. Thank you
Product: Mortgage

My complaint is Associated Bank Attorneys and associates continue to misappropriated my mortgage funds, payments, and charge fraudulent fees.
Product: Consumer Loan

Made payment online which is only way to pay. Scheduled it on a Thursday to come out Saturday. Printout says payment date Saturday. Internet site said payment date Saturday but that it would n't post until next business day. Company marked 30 days late with credit bureau. Very wrong that company did n't either not allow payment option for Saturday or make clear that even though it said payment date that it would not count until The next business day. It simply said would post. I should have the benefit of a doubt because of the seriousness of credit besides why should a consumer only have 28 days to pay and not 29? Should be considered on time because everything is misleading.
Product: Debt collection

I honestly hope somebody reads this. I'm not entirely sure I selected the right button for this dispute. I had already filed a complaint against this company about this account being past the statue of limitations in the State Of Texas and that they never informed me that they owned the debt. This complaint was thrown out and found in favor of the collection company and I have proof that nobody actually did any investigation into this matter. Today I received a letter from Spring Oak Capital with a statement from an old XXXX XXXX account that I had informed you was past the time limit to be collected on. I knew I was 100 % correct so I decided to do the research for you. I went back and printed off a copy of my credit report where it clearly states the account was closed on XX/XX/XXXX. I even called XXXX XXXX and they informed me that the account was in fact closed on XX/XX/XXXX, the last payment on this account was on XX/XX/XXXX. The account was closed 90 days after the account went into default for non payment. The statue of Limitations in the State of Texas is 7 years, which would make the end date XX/XX/XXXX. This is XX/XX/XXXX and I'm still messing with this account that has no reason to be tried to collect on and totally has no reason to even be on my credit report any more. I will attach the letter I received from Spring Oak aswell as a copy of my XXXX credit report where it clearly states the facts in this matter.
Product: Credit reporting or other personal consumer reports

I have paid this credit card since XXXX of 2024 but they have failed to report my XXXX balances to the credit bureaus. My credit report says I still owe {$3400.00} and I owe XXXX! This is affecting my credit score and my ability to buy a home.
Product: Debt collection

Received phone call XXXX/XXXX/2018 from a rep from XXXX XXXX XXXX stating that my file was in the legal department and the next was to sue me for an unpaid debt. After expressing and providing proof of my lawsuit of me suing XXXX XXXX XXXX that closed my accounts and withheld my wages. I paid payments and this company still decided to send me to collections. This is now preventing me from getting another job. This needs to be put into law that creditors can not put this on your credit when trying to obtain employment. They were also aware of my situation also that i was constructively fired from XXXX XXXX XXXX as well. After making payments even in light of this information they still sent me to collections, again as XXXX my credit should not be affected due to no fault of my own thereby preventing me from getting a job that would help me to pay this off. The next step is court!
Product: Money transfer, virtual currency, or money service

So there was a post on a local XXXX yard sale group from Monday, XX/XX/XXXX with XXXX photos and a first come first serve as of Thursday ( XX/XX/XXXX ) when they would be home from a family reunion... There were things like a huge water slide, golf cart, two cars etc and they were all at really good prices. Her name was XXXX XXXX. 
We messaged on that Monday with her about the car we saw on there and put a deposit down and were heading there today, XX/XX/XXXX when she all of a sudden became unavailable on messenger ( otherwise we were talking this whole time from Monday through last night and there were no red flags at all, no broken XXXX plus I did my own investigation checking that it was a real house and I even saw on XXXX that it had been put up for sale on XX/XX/XXXX and was currently under contract so everything lined up with what they were saying ) plus not answering call or text from the number she gave me. 
We gave {$700.00} via XXXX and my bank says they can not help which is RIDICULOUS They said we need to contact admins of the XXXX XXXX but I don't see how they can reimburse us the money and why it's their responsibility. And if course you can't get hold of XXXX themselves!!
Product: Credit card

DELL changed the issuing bank of my card sometime last year. There seems to be a new charge on my account of {$100.00} with no explanation on my new card. I don't use this card. The last time we used the card was to purchase a computer well over a year ago. this is a specialized card. we have no idea what this charge is. There is no explanation. The new issuing bank Commenity Bank claims that I have to pursue DELL about this. They don't know what it is. Nothing should have carried over. I want to know what this was.They are the one 's who changed their issuing bank. I certainly didn't. They have to explain this charge.
Product: Checking or savings account

I have opened a checking account in the Fifth 3rd Bank. While i was opening it they advertised that i will get {$300.00} bonus offer if i get XXXX direct deposit totaling {$2000.00} or more. After i got the {$2000.00} direct deposit i haven't received my bonus {$300.00}. I called to the customer care and they said i have to deposit {$7500.00} to get the bonus {$300.00} because while i open the bank account it got the promo code for {$7500.00} which i have no idea. While you open the account the promo code applied automatically and you don't need to put any code by yourself. Its completely the fault of their system and they couldn't do anything about it. There have nowhere its written about XXXX direct deposit. They still have the offer for {$2000.00} or more direct deposit offer in their website but they could not give me my bonus as they promised. 

Link for the offer : https : XXXX  I called customer care and they said they don't have access to check and asked me to call the local branch. I called the local branch in XXXX XXXX XXXX XXXX and they could not help and could not gave any suggestion to escalate the issue to the next person. Totally very very bad service. Be aware of this bank for doing anything.
Product: Debt collection

On XX/XX/XXXX I sent a Notice of Rescission to EXETER FINANCE LLC and their CEO XXXX XXXX XXXX to make them aware that I was exercising my right as a federal protected consumer to rescind the consumer credit transaction. Per truth in lending they did not clearly disclosed to me how to do so or provide me with the appropriate forms to complete the process. I know that I am the obligor and I have 3 years from the date of consummation of the transaction to exercise my rights. But EXETER FINANCE told me that are not willing to accept my Notice of Rescission, which I know is illegal! And I also sent them 2 Cease and Desist which they continue to send me multiple letters to me and communicate with me through my consumer report indirectly. Just recently they failed to let 2 towing companies know that I have a Cease and Desist in place and had my vessel dispossession from my dwelling. On XX/XX/XXXX my vessel was stolen from my dwelling and the tow company hired by EXETER FINANCE LLC has failed to give me my possession when I called to get my things back.