23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX, I received an email from Great Lakes indicating that it had received my IDR application documents. I was not contacted to fix anything on my IDR application. I thought that I was successfully enrolled in IDR. However, I am now receiving past due notices. I am eligible for a {$0.00} IDR payment, and yet I 'm receiving past due notices of almost {$400.00}. 

I would like retroactive forbearance immediately applied to my account to bring it current. I would like my loans enrolled in IDR immediately. If Great Lakes does not have the information necessary to enroll my loans in IDR, I would like an email specifically indicating what additional information is needed to successfully complete my application.
Product: Payday loan, title loan, or personal loan

In XXXX of 2018 I took out a {$500.00} loan with Money Lion. The loan agreement I signed said that I would be paying back {$19.00} biweekly. Since then I have kept up with every single loan payment as agreed to. 

However, Since XX/XX/2018 I have also been charged {$36.00} biweekly for a " membership '' fee. A membership that I neither knew about or signed up for. Multiple times I spoke with money lion in regards to refunding my money and stopping this fee, but they would not. My bank had to block them from charging the {$36.00} and only allow them to charge the {$19.00} loan payment, because I do want to pay back my obligation. 

My bank attempted to recover approx. {$800.00} that money lion has taken from me in the form of " membership '' fees. But they were not because MoneyLion provided them " proof '' that I signed a membership agreement. This agreement contains no actual signature just my typed name and a date. It does not even include a time or IP stamp to validate that I actually signed this. And the reason it doesn't, is because I never signed a membership agreement. None of my loan paperwork references this agreement. Moneylion just takes it out of your account by surprise.

I would like either proof I personally signed this agreement or my money refunded.
Product: Debt collection

I paid account number XXXX off and they are still reporting this account on my credit report. I was told when I pay it that they would update the credit reports and this was never done.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed addresses that I do not recognize. Please remove these from my report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX   XXXX   XXXX  changed the terms of a joint loan after my divorce and martial settlement agreement with ex-spouse. This company is reporting a charge off and bad debit on my credit report. They settlement agreement was made only with  XXXX   XXXX  ( ex-spouse ) is solely responsible for the car loan and the only  one  in possession of the car. Attached are copies of my martial settlement agreement and divorce decree. I would like all  XXXX  credit bureaus to remove this bad debt. The original terms of the loan are now changed and I was not inform in writing or by phone.  XXXX  is solely responsible for the new contract and terms of this car loan.
Product: Credit card or prepaid card

I have accounts with both Bank of America and XXXX. These financial institutions are making policies that violate the constitution while at the same time accepting tax payer funded government benefits. As a consumer of their credit cards and other events, I am forced to a great deal of personal time and expense to close accounts and then move them. This attack on our constitutional rights must be addressed.
Product: Credit reporting or other personal consumer reports

My claims where not properly investigated and they were withholding my ability to see my overall credit report. 
No explanation was given in the results of any finds XXXX XXXX XXXX XXXX {$540.00} Jefferson capitol. {$980.00}
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 ( 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 have caused significant inconvenience and financial loss, seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my consumer credit report by Equifax, and TransUnion for XXXX XXXX XXXX [ Specifically, Equifax is reporting the account as " Pays account as agreed '' with a " 30 days past due '' delinquency. Transunion is reporting " Paid account/was 30 days past due '' with a " 30-day delinquent '' status. Equifax is reporting " Paid or paying as agreed '' but does not indicate a payment status. ] These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter. 

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection/Charge Off XXXX  XXXX XXXX {$5300.00} XXXX  XXXX XXXX XX/XX/XXXX {$6400.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XX/XX/XXXX {$5000.00} XXXX XXXX  XXXX XX/XX/XXXX {$2600.00} XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$5900.00} XXXX  XXXX XX/XX/XXXX {$2900.00} XXXX XXXXXXXX XX/XX/XXXX {$10000.00} XXXX XXXXXXXX XX/XX/XXXX {$4700.00} XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXXXXXX XX/XX/XXXX {$6500.00} XXXX  XXXX XX/XX/XXXX {$7600.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$10000.00} Inquiries 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 XXXXXXXX XX/XX/XXXX Personal Information Previous XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Employer XXXX XXXX XXXX Employer XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not enrolled in College of XXXX XXXX XXXX XXXX XXXX - only reporting to Experian and XXXX XXXX at the time of this accounts reporting nor did I have a balance when I left. It has been disputed, I have asked for validation and removal to no avail. I disputed in XXXX / XXXX ( responded in XX/XX/XXXX XXXX, XXXX / XXXX ( responded in XX/XX/XXXX XXXX and XXXX of XXXX ( responded in XX/XX/XXXX ) and this account is still reporting. I have also contacted both bureaus multiple times and they continue to report without sending me the information requested in my letters to receive. I have also called on XX/XX/XXXX and XX/XX/XXXX. The dates reflecting that the account was opened are XXXX of XXXX. The amount is {$1300.00}. I have included the original XXXX dispute as they do not contain my signature. I can provide the credit bureau letters if needed that I wrote out recently for correspondence with them, however, I prefer not to provide anything with my signature to " original creditors '' as to limit fraud. 

Other accounts disputed with the same details and timeframe as above : - XXXX - ( received different information and all inaccurate - all XXXX bureaus ) - XXXX XXXX XXXX - {$660.00} ( I have only had ONE account with XXXX and the account was closed and paid in full - this is FRAUD. I have supplied the final bill to both collection and all XXXX credit bureaus and they refuse to remove.
Product: Debt collection

I went to XXXX XXXX for a medical issue with my XXXX. I had a new job and there was a question of if my medical or optical insurance would pay. I then paid the original amount via my HSA portal. I received no further communication after paying through my HSA portal. I ran my credit report earlier this year. That is when I saw the balance from XXXX XXXX XXXX office. I immediately sent a personal check of {$210.00} ( cleared XXXX ) and requested documentation for me to be reimbursed for both charges by my HSA. I have reached out to Capital Accounts LLC multiple times to have this collection either removed from my XXXX, XXXX, and XXXX  reports or at least list the balance as paid. Capital Accounts LLC has refused to do either and keeps insisting to the credit bureaus that the balance is unpaid.
Product: Mortgage

Recently, I have applied for the program deed in lieu of foreclosure. HSBC has sent me the forms for the process. Again they are requiring forms that have not been sent to me.I wish they would send me all the necessary forms to complete this process. This is an ongoing problem with them. I need the following forms sent to me : 1. Authorization to disclose information form 2. Permission for entry into the Property form.

Can you please have HSBC send the forms to you and in turn to me.

thank you
Product: Credit reporting or other personal consumer reports

Hi- to whom it may concern I just checked my credit profile for the first time and noticed there are unauthorized inquiries that i believe someone stole my information.. Attached i have filled a identity theft report my records and your use. XXXX XXXX XXXXXXXX IS ALSO ATTACHED. 

inquiries - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I tried making a payment on my Macy 's account via the app on my cell phone. The payment did not go through, saying I couldn't make less than minimum balance which was over {$1400.00} dollars and I was only paying {$75.00} on my account. My payment was not due until next month, I wanted to pay in advance. The payment never went through so I could not complete the payment. A few days later I received notification that my payment posted of {$1400.00}. 

I called Macy 's on XX/XX/XXXX to inform them that the payment was posted in error. I spoke with XXXX who said I made the payment with my bank account on the app. I told her I did not make the payment. I asked for a supervisor but she told me the supervisor would say the same thing. I insisted on a supervisor and she placed me on an extended hold but no supervisor came to the phone, I hung up. 

I called back today XX/XX/XXXX and spoke with XXXX for assistance. She said the same thing as XXXX, I asked for a supervisor and she continued telling me that I needed to wait XXXX days before they could refund the payment. I asked her if she heard that I was asking for supervisor and she said the supervisor would say the same thing. I asked for a supervisor again and was placed on hold for XXXX minutes before a supervisor by the name of XXXX came on the line. He asked me what I wanted him to do about the payment. He said they could reverse it after XXXX  days or refund it. I told him that the payment was an error and I did not complete it. He continued with the same resolution. 

Since, I wasn't getting anywhere with the reps by phone, I sent a few emails via the app secure messaging system. I received notification back that I should call in for help. 

Due the bad customer service I am receiving from Macy 's I had no choice but to try to resolve outside of them. This erroneous payment is causing me NSF charges with my bank. Macys need to reverse this payment because it was their system error that caused the problem. I have been a customer for almost XXXX years and have never had this issue. Anytime you make a payment online, an email confirming online activity is sent but I did not receive that for this XXXX payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have going to this company since XX/XX/XXXX .I have just been renewing the same payday loan that I have always been renewing. The problem is this company keeps pulling my credit profile leaving me with hard inquiries on my report and I have not been asked once could they do it.The most recent was XXXX.I am being turned down for lines of credit do to all of these inquiries on my report..
Product: Credit reporting, credit repair services, or other personal consumer reports

Colonial Auto Finance is reporting my nonpublic personal information which are credit transactions and my experiences between them. Which is illegal Pursuant to 15 U.S.C 1681a ( 2 ). I am now opting out of your reporting of my nonpublic personal information.

For as the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, nonverbal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this letter XX/XX/XXXX to all the 3 Major Credit Bureaus for investigation on inaccurate data on my credit report. I pointed all the incorrect information from Date of Last Activity, High Balance amount, last payment date etc. all different from each credit bureau. This is impacting me greatly because it is keeping me from making major purchases because of the inaccurate information on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX/ Acct # XXXX ) on the date of the last activity section. XXXX is reporting a date of last activity XXXX, XXXX is reporting a date of last activity XXXX and Equifax is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. 
XXXX  XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Credit Line Credit Line Credit Line Account Type - Detail : Line of credit Check credit/Line of credit Line of credit Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$5000.00} {$5000.00} {$5000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$0.00} {$0.00} {$5000.00} Credit Limit : {$5000.00} {$5000.00} {$0.00} Past Due : {$5000.00} {$5000.00} {$5000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the XXXX XXXX. Charged off account Line of credit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 
XXXX XXXX XXXX XXXX XXXX  XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.
Product: Checking or savings account

XX/XX/XXXX, I went to do some banking at CHASE Bank. I went in without a mask because I am mask exempt due to XXXX XXXX The Manager threatened to call the cops on me for not wearing the face covering and said he hoped to see me get arrested. This Manager then threatened to close my accounts down. I called XXXX to file a complaint and was connected with the Manager of the Manager I was filing a complaint against and was told that I must wear a mask in the bank even if I was exempt from doing so and that he was not going to reprimand the employee who threatened me. 
Weeks later, I discovered that both my checking and savings accounts were frozen. I was not allowed access to either of my accounts. Upon calling someone down at this bank, I was told I was trespassed from the property although I had never been told so nor contacted about such either. I was then told even though I was trespassed, I could still come through the drive-thru to withdraw a {$1000.00} a day. I asked to have them release my funds so this whole ordeal could be over and done with and was told no. Then was told I could take out half of my funds but still have to leave the remaining half in the accounts. DOES ANY OF THIS MAKE SENSE!? Then they informed me that as of XX/XX/XXXX, any and all remaining balances would be made into a cashiers ' check and all of my funds would be sent to me via the mail. That is a savings account with {$19000.00} in it and a checking account with {$55000.00} in it. It is now XX/XX/XXXX and no such check has arrived in my mail box. Also, I was never informed about my accounts being frozen or closed via mail, email, or phone call. I never received a letter indicating my accounts were going to be terminated. 
This is a serious offense on their part including many different factors. My money is federally insured and secured and I need answers immediately. 
Thank you for your time.
Product: Credit card or prepaid card

On   XXXX   XXXX   XXXX   , I r eceived a letter in the post from  Citibank stating that Citibank has closed my credit card due to supposed inactivity. Prior to this letter, I received absolutely no notification whatsoever from Citibank regarding this closure. Citibank automatically closed my credit card on its own at its own will, without even the slightest common courtesy and decency of notifying me well in advance of its action and the steps I ought to take to prevent such action. I logged into my online account. I was able to conduct a chat session there, but the representative could not do anything to remed y the issue at stake. I called   XXXX   , but the  automatic system hung up on me when it could not understand the reason for my call. I then called again. A representative said my account would be under review, and that indeed, absolutely nothing could be done immediately such that I could use my card right away. I would like to add that both  American Express and   XXXX   have  confirmed to me they will never do such an automatic closure without proper advance notification. Shame on  Citibank.
Product: Debt collection

I have a account from a unknown company that I have never done business with AARGON COLLECTION AGENY # XXXX Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in Cook County. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course. 
If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your claim under U.C.C. - ARTICLE 3 3-301.