23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX, I spoke with Direct Loans to make satisfactory payment arrangements or to go on a payment plan that I could afford. The representative steered me toward forbearance rather than allowing me to make smaller payments or to be placed on a payment plan that I was qualified for due to my income. 
I remained in forbearance until XXXX when I started taking graduate classes. I called Direct Loans again and wanted to make smaller payments to at least cover the interest and asked to not be placed on in-school deferment but was told that I was required to be classified as such since I received a student loan. 
I have recently learned that the practice of steering customers toward forbearance was for the benefit of the corporation and not to help the borrower. Had Direct Loans offered me the payment plan that I was qualified for, I would have been able to make the payments and have those years qualify toward my XXXX XXXX XXXX XXXX program and would be out of debt today.I now have all of my loans consolidated and moved to XXXX.
Product: Money transfer, virtual currency, or money service

I Have asked Block chain to remove my personal data that they are holding and to close my accounts. 

They are refusing to after sevetal attempts to communiate with them they are declining to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries made by XXXX XXXX Companies are fraudulent, duplicated twice per inquiry having a hugely negative impact on my score. The amount of inquires in the period of time they were made show an obvious financial fraud/scam. 
They were made without my consent or knowledge, resulting from equifax data breach XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date  XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXXXX/XX/XXXX The following inquires made by XXXX XXXX XXXX are fraudulent, and duplicated on my report as well. They were made without my consent or knowledge, resulting from equifax data breach XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX The following inquiries made by XXXX are fraudulent and duplicated on my report. They were made without my consent or knowledge, resulting from equifax data breach. 


XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Product: Payday loan

I borrow XXXX from BigPictureLoans and now I pay XXXX every other week. I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account.
Product: Payday loan, title loan, or personal loan

1. A nonprofit organization where I am the checking account holder with Bank of America, we received a XXXX  first draw loan through Bank of America in XXXX. 

2. We are eligible for loan forgiveness through the federal government and BOA finally made the portal available again a few weeks ago, but we are having trouble applying. Specifically, when we attempt to log in to the BOA loan forgiveness portal through the link provided to us by BOA in the repeated emails they have sent us, it states that we have no loan associated with the userid ( XXXX ), when in fact we do have both a first and second draw XXXX loan associated with that ID. 

3. On XXXX XXXX, XXXX, nearly a month ago, I called Bank of America regarding this apparent Online ID issue preventing us from applying for XXXX loan forgiveness. I spoke with XXXX, who created a case, XXXX # XXXX. 

4. Unfortunately, we have not heard back from the XXXX created on XXXX XXXX, XXXX with BOA. We are eager to put in our application for XXXX loan forgiveness and we keep trying to use the link to log in, even as recently as today, but it still isn't working.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The credit bureaus have stated that my account has been properly investigated. 
How is that possible when the open date is inaccurate, the date last active is inaccurate and the last reported date is inaccurate also. 

This is grounds for removal, also they violated my rights under the Title 15 U.S.C 1681 section 602 A. which states : I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. states that a consumer reporting agency can not furnish a account without my written instructions.

The credit bureaus took more than 30 days to complete my investigation.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. 
My accounts with XXXX XXXXXXXX institutions were closed due to their negligence. I had bills I couldn't pay because my accounts were frozen by my financial institutions. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
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 tak timely and effective measures to prevent ai 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 appropriate redress for these violations.
Product: Debt collection

I have 2 collection accounts on my credit from this company. I have never been contacted by them and I don't know what the debt is for. I am a XXXX and not only do my dad and I have the same name- so do 2 of my uncles and 1 cousin. I DISPUTE THE VALIDITY OF THE DEBT AND THE PAYMENT HISTORY. I never received a collection notice or the right to dispute.
Product: Money transfer, virtual currency, or money service

In XX/XX/year> while using XXXX I started getting ads about XXXX XXXX about high profit-making investments, the scammers started urging me to join a class via XXXX, register with my government id, and gain financial freedom, this was done by way of trickery and/or manipulation using advanced technological systems. I never suspected that these groups were fraudsters because their presentations appeared genuine. They requested payments in cryptocurrency to be paid into the account of the company, I used Cash App, XXXX, and XXXX for my transactions. I never got a warning or fraud alert from any of these institutions, so I felt they were a legitimate group. After payments were made, they ran trades that would yield very high profits and one could see their currency value increasing, plus a lot of people in the XXXX class gave testimonies on how they were making crazy profits and thanked the leaders of the group for what they were doing, but soon strange losses in transactions begin to happen and the total capital and profit invested are lost completely, they use their manipulation to explain why the money was lost and promise to help in recovering total loss plus make much more profit. They still encourage XXXX to invest a good amount to recover the lost funds faster, I never knew I was being scammed and I kept losing money, I lost a total of {$200000.00} which includes some borrowed money. Their groups namely XXXX  platform with the domain XXXX XXXX  platform with the domain XXXX XXXX XXXX  with the XXXX XXXX Unfortunately, the more I reinvested following their manipulations to recover my lost funds, The more I continued to find myself in a worse position until my eyes were opened by a family member with whom I narrated my ordeal.I later got a company that claimed to recover lost crypto ( XXXX XXXX XXXX ), but they only took advantage of my situation, after completing the installments to help trace my lost funds, they disappeared, and I could no longer reach them via phone or email. I have been able to work with another company XXXX XXXX XXXX to trace where the funds have been channeled to and have tried to reach out to Cash App to recall the funds but this has been abortive as Cash App says bitcoin transactions can not be reversed once initiated. I am bringing this case here because it has become unbearable to suffer this loss without any form of help from the institutions where these funds were paid to scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I filed a dispute with all three credit bureaus and the company BBVA ( formerly known as Compass Bank ) about an error listed on my credit report. I was notified of this error when purchasing a new vehicle for my daughter at the end of XXXX from the dealership. I was notified that they were reporting a repossession and my account was over 120 days late which was not the case. The account XXXX at the dealership even stated that it was recently updated this year and asked if we still had the vehicle in question. I told them we had the title and letter showing the XXXX was released and the vehicle has been paid off. When calling into XXXX today to dispute this again, due to a alert on my credit monitoring service, I have yet to receive any information from the past dispute. When I asked about it, she ( XXXX XXXX XXXX stated that it has been updated and a dispute has been filed on it, I asked what was the resolution of the dispute and why haven't I been notified of this, her response was it has been updated and goodbye, they hung up on me. I called back and was placed on a lengthy hold which I thought was unusual so I waited and got disconnected again. I did not call back due to being highly upset over this matter and wanting it resolved so I am filing this complaint and hope it gets resolved ....
Product: Credit reporting or other personal consumer reports

Hi, this is really concerning, there's an unfamiliar credit inquiry that popped out of nowhere on my credit report which I never applied to. I did not authorized or consented to this and have no knowledge about and I believe this to be fraudulent which is really making me anxious.
Product: Credit reporting or other personal consumer reports

There is a FRAUDULENT item ( XXXX XXXX Account type : Installment ) on my credit report. I DO NOT have any idea regarding this fraudulent account on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am submitting a complaint regarding this FRAUDULENT account and for assistance to REMOVE it from my credit report immediately.
Product: Money transfer, virtual currency, or money service

( BLOCK , INC ) Due to inadequate customer service and unfair practices, which violate ( 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, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE AND DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY PROFILE : XXXX XXXX XXXX  THEY ARE IN VIOLATION OF THE FCRA.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an ID Theft Report. Please find the ATTACHED documents to assist in the removing and blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : EXPERIAN : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX Balance XXXX {$1000.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX : XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$37000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

Back in XX/XX/year>, I used XXXX XXXX to look up loan offers, I applied for a loan through One Main Financial. When I first spoke to someone she said the loan XXXX was on vacation and would be back soon. I waited a few weeks then forgot about it. On XX/XX/year>, I got a call from someone who had all my information, he said my name and had whatever else info he got from the One Main financial company. They scammed me and tricked me into sending them money through bitcoin on XXXX. They lied and never sent me the loan of XXXX XXXX I was scammed by people either impersonating the company or people who work for the company and are doing bad things. I cant get a refund on XXXX. They have all my information, my social and my ID, my banking and routing .. etc.. They scammed me of {$1400.00}.
Product: Credit reporting or other personal consumer reports

Dear Identity Theft and Fraud Department : XXXX I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way : I dispute the following accounts which are a result of identity theft or fraud : Take a look at the attachments Please delete the disputed items on my report within four ( 4 ) days as required by the Fair Credit Reporting Act copied here below for your reference. 

FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.
Product: Money transfer, virtual currency, or money service

CHIME SENT ME A CHECK AND I NEVER RECEIVED IT. I SUBMITTED AN AFFIDAVIT OF CHECK FRAUD AND A POLICE REPORT TO THEM THEY REFUSE TO HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was sold/transferred from XXXX to XXXX XXXX . According to the date the balance should have been paid with automatic payment before the transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Kept getting a chatbot and no live person to dispute debt. Debt belongs to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three inquiries on my credit report that arent mine and need to be removed. 

XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX  Theyre unauthorized and will need to be removed as soon as possible. 

Contacted creditor for letter of deletion and uploaded documents with FTC report.
Product: Checking or savings account

I received a credit reversals on XXXX # XXXX claim # XXXX. 
{$36.00} {$37.00} {$50.00} {$51.00} {$110.00} {$130.00} At the time i file fraud on those charges i did not have my debit card on my possession that is why BOA issued a new one. I m very disappointed because BOA Did not protect my account that i had for the last 10years!
Product: Debt or credit management

Credit Karma applying loans without my permission. I did not give them permission to use my information for loans.
Product: Debt collection

AFTER LOOKING AT MY CREDIT REPORT I WAS HORRIFIED TO DISCOVER THAT ENHANCED RECOVERY WAS REPORTING A DEBT THAT IS NOT MINE. I REACHED OUT TO THE BUREAUS TO HAVE IT REMOVED. THEY FAILED TO DO SO. I REACHED OUT TO ENHANCED RECOVERY AND INFORMED THEM OF THIS ERROR AND THEY HAVE NOT LAWFULLY REMOVED THE ITEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to obtain my free annual credit report for a job I already have an offer for but I need my credit report to finalize the process, but the Experian website says the following : " Sorry, we are experiencing technical difficulties. 
You can try again or request your Annual Credit Report to be mailed to you. '' This is extremely detrimental to my financial future and I need this before the weekend is over! ( XX/XX/19 - XX/XX/19 ). 
I can't even download it! The phone number they provided ( XXXX ) to request my free credit report is a XXXX joke and it still says that they WILL MAIL IT TO ME?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian 's web site will not allow me to log in. It walks me through a process of changing my password, but after the web site tells me that it was successfully changed, I still can't log in. I called the phone number for customer service but it is an automated system that tells me incorrectly that my experian credit report is not frozen. The automated phone system blocks me from reaching an operator or customer service rep. My credit union tells me my account is locked. I believe it is ; I have had identity theft in the past and locked my credit at all three credit reporting bureaus. So I am stuck, and in a XXXX position ; my mortgage application can't proceed until my credit is unfrozen at experian, and I am unable to complete that using their web site, and their phone system is designed to prevent my reaching a human being who might be able to help. My message to Experian is " You must make it possible for people to get help ; in this circumstance, your broken web site is blocking my purchase of a home. '' I have much more colorful language I would like to direct to Experian, but I think you get the idea.