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

I am from XXXX and went to XXXX, Delaware at Check n Go to apply for a payday loan, XX/XX/XXXX. I was approved for a loan amount of {$3000.00} with payments of {$300.00} due every two weeks for 37 weeks. I thought that was an outrageous amount as I have had loans before and never had to pay that much, ever! The agent said it was because of the interest. Back around XX/XX/XXXX, I called Check n Go asking for the payoff amount thinking it would be about {$1800.00} bc I made about {$3300.00} worth of payments. However, the lady that answers says the payoff amount is {$3100.00} and some cents, I said how and she says all the payments have went to interest you shouldve been paying more if you wanted the payments to go towards the principle. I said if you all put more towards the principle the interest wouldnt stay so high and keep accumulating it will take forever to payoff. Her response, yes thats why we say pay more and I told her I was never told that and the {$300.00} was already too much every two weeks and that it was a rip off! My original loan officer told me I could pay off the loan early and it will save on interest but if the amounts were paying are only going to interest then the principle is never paid down and it continuously accrues interest. I wanted to pay the loan off that day so I would not have to keep making these outrageous payments but could not because the amount was still more than I borrowed even though I had already paid back more than I borrowed. Also, they reported this loan to the credit bureaus and I was unaware that this would go on my credit, I have never heard of a payday loan posting to a credit report, I was shocked when an inquiry occurred let alone an account posting to my credit.
Product: Credit card or prepaid card

On Thursday,  XX/XX/XXXX , Chase shut down all of mine and my wife 's credit card accounts (  XXXX  in total ) without any prior notice and we were sent notice a few days later that they will be shutting down our checking and savings accounts on XX/XX/XXXX . After repeated attempts to contact the bank, all of the supervisors have been either unable or unwilling to provide any insight into the unilateral account closure. The only explanation they shared is : '' The banks exercised its right to shut down your accounts. '' After conducting further online research, we connected with more than 10 other account-holders that experienced similar unexplained account closures within the past year. So far, the only common denominator we 've been able to uncover between our accounts is a religious affiliation. We are all  XX/XX/XXXX . At this point, absent a further explanation from the bank, we have been forced to conclude that our accounts were unilaterally closed for reasons relating to religious discrimination.
Product: Mortgage

Please see attached files. I have put all my information in those files. Thank you
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am a victim on Equifaxs Data Breach and have put a fraud alert on my credit report after finding over 200 unauthorized /fraudulent on my credit. My credit score has dropped from a XXXX to in the low 400s. On several occasions I have called equifax and filed disputes online to have these inquiries removed. There was also some incorrect information on my report including the wrong name and birthdate but they were removed. I have attached a copy of my latest dispute results below.
Product: Payday loan, title loan, or personal loan

I recently lost my job and wanted to see if I could come up with a payment plan with a lower rate interest so that I could pay it off but Speedy Cash refused to work with me. I originally borrowed $XXXX not even knowing that I was going to lose my job the next couple of weeks and needed to pay off some bills because my paycheck was a couple of days late. After I lost my job, I called to let them know what happened which one of the customer representatives told me that I now owe $XXXX and if I didn’t pay about $XXXX that the case would go to a third party company who will then take me to court. On top of that the only other income I get is SSI or otherwise known as Social Security due to having a disability and after losing my job this month I was in a really bad financial bind to where I couldn’t even afford my basic necessities which I ended up missing a payment. I did let them know that I was going to school to learn a XXXX XXXX   XXXX  and that after 3 months I would be much more financially stable but flat out refused to work with me. They also didn’t fully explain the whole terms and how much I would have to pay in total per month to get the balance to XXXX. Please help! I do not want to go to court or jail which having a XXXX makes it hard for me to handle the pressure so please do something. I am doing everything I can to find another Job so it really is not easy.
Product: Debt collection

At XXXX I received this text from this phone # which when I looked it up was a cell phone # ( XXXX ) XXXX : This is XXXX XXXX with BHA Services , Legal Department XXXX We are a Professional Debt Collection & Asset Recovery Corporation Please contact me today for further information. Thank you in advance. http : //www.bhabillpay.com XXXX XXXX This is an attempt to collect a debt. Thank you. 

I have no idea who this is, there is no opt out option, this was the message in its entirety, the grammar and punctuation is very suspicious, and I am current on all of my bills. This has to be a scam, please look into this matter I was not sure who this was and it scared me as I was waking up so I clicked the link. Something I normally would not do but I did.
Product: Credit card

I paid my Kohls card online on XX/XX/XXXX was {$130.00}. It was taken out of my account on XX/XX/XXXX and XX/XX/XXXX. I received an email stating my payment was returned. I called the number on the back of my card to see what the problem was. They said the customer canceled the payment which was not true I did not cancel the payment and they kept telling me it was returned. I proceeded to go to my bank and got a copy of the transaction that was paid to the charge card company And a statement showing it was taken out of my account. I sent them the proof and they still dont believe me. This is capital one charge card through Kohls. I have called them three or four times already I sent them pictures of the proof and I also made copies of the proof and mailed it off to them, I told them I will not pay again it was paid and I have proof, but they refused to give me any proof that it was returned to my account. I need help resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted the disputes and have had these accounts removes but they still remain on the other bureaus after they have been found to be fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient account is reporting late payments and most recent payment of XX/XX/XXXX. However the account was consolidated by XXXX back in XX/XX/XXXX. XXXX info XXXX XXXX  XXXX, XXXX, PA XXXX | M-F XXXX to XXXX ( ET ) | XXXX Please call to discuss as I have a letter from XXXX regarding this matter.
Product: Credit reporting

My XXXX account was cancelled and replaced with XXXX. We were not on any contract and cancelled before any payment was due to XXXX.
Product: Debt collection

XXXX Spoke with company about resolving debt they told me I could for XXXX. I told them I had XXXX she told me they could not and if didn't call by XXXX day of XXXX 2020 the original debt would be due I said ok.. 

XXXX Called back to talk with supervisor about the same and she was even more rude and threatening telling me I had to pay and XXXX was too low or they would keep calling
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received an email stating I was denied credit for some type consumer credit application from Net Credit. I do not know this company and I have not provided them any information. Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Applicant 's Name : XXXX XXXX Account # : XXXX Application # : XXXX Applicant 's Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX Dear Applicant : Thank you for your recent application. We regret that we are unable to approve your request for consumer credit. 

Your application was processed by a credit scoring system that assigns a numerical value to the various items of information we consider in evaluating an application. These numerical values are based upon the results of analyses of repayment histories of large numbers of customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to resolve the inaccuracies on my consumer report with consumer reporting agencies ( XXXX, EQUIFAX AND XXXX ) for months. They have knowingly reported false information. I have sent them multiple letters via USPS certified mail with electronic signature, so I know they have received them ; I also have invoices. My consumer rights have been violated for months, and I require a resolution. According to the FDCPA and FCRA, these accounts must be DELETED, not UPDATED at this time, because they have not complied with the law. Among the provisions they have broken are 15 U.S.C. 1681 sections 611 ( a ) and 623 and 15 U.S. Code 1681i - ( Procedure in case of disputed accuracy ). They had 30 days to correct these errors, but they failed to do so. I am also aware that I am eligible for statutory damages ranging from {$100.00} to {$1000.00} per inaccuracy. 

The accounts that I am listing below are the ones that they are still illegally reporting inaccurate information on, and I would like them all deleted : XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

According to a number of recent articles released today, such as ( XXXX ), Scottrade Bank as well as Scottrade Brokerage was the victim of a financial attack. 

Scottrade was informed of these problems via complaints filed with the CFPB nearly 2 years ago today. 

I would like to know why Scottrade ignored the tips and put customers at risk. Furthermore, within the Federal Complaint, it says Scottrade Financial Services is the victim which means the hackings encompassed both Scottrade Bank and Scottrade Brokerage.
Product: Debt collection

I received an alert via my XXXX XXXX alert monitoring service informing me that I have a debt collection derogatory mark on my report with a company called Franklin collections via XXXX XXXX XXXX for over {$450.00}, on XX/XX/2019. I do not have any collection accounts with XXXX XXXX XXXX as they are my cellular service carrier whom i pay monthly for well over 10 years. I have never been notified of this via XXXX XXXX XXXX or any collection agency. I have also been a victim of identity fraud and have notified the IRS AND have a freeze on all three of my credit reports and have locked all three so i would need to be contacted and have my information verified prior to opening any new accounts. This has been in effect for well over 8 years now. I attempted to reach Franklin collection and they stated unless i give my ssn they can not help me, I refused to provide my ssn b/c if you are stating i owe you should have my ssn and I should be able to verify via another method. Due to my being a victim of identity theft I do not give out my ssn as instructed via the credit reporting agencies. I also never received any notification via XXXX XXXX XXXX who again I currently have cellphone service with, requesting any collection and I reached out to XXXX XXXX XXXX and they stated also NO, I have no collection accounts on their behalf. I do not know of this Franklin collection account. I submitted a dispute via credit karma on XX/XX/19 & received a response today XX/XX/19 @ XXXX stating this account was verified and is correct?! How so, it took a month to verify and what steps were taken in the verification process, no one reached out to me to inquire about anything. Please help me with both XXXX  XXXX XXXX XXXX this is fraud.
Product: Student loan

I consolidated my individual student loans and began to make payments under an income driven repayment plan. Several months after this I was told that for some reason one of the individual loans was not added in the consolidation. They then asked me if I wanted to re-consolidate again with the additional individual loan added. After agreeing to this and going through with the process, I was then informed that the 20 year repayment process was restarted and my previous monthly payments did not count towards the 240 required payments on my Income driven repayment plan. In addition to this I have had multiple issues with contact with the company and issues with my yearly re-certification of income to remain on my IDR plan.
Product: Credit reporting or other personal consumer reports

I have never conducted any business with XXXX XXXX XXXX ; however, I recently discovered a collection associated with this institution through the collection agency XXXX XXXX. This account is fraudulent, as I have never resided in California.
Product: Credit card

Hi there, I was very excited to get an American Express card. My dad always had one and I finally got approved. I checked my account like I do every week to pay off any charges, and I found my account closed. I received no physical mail or in-application notifications. They apparently said they sent me one email one month before but I have no record of it in my inbox. In my opinion, closing an account without notice ( Ive never had any late payments ) is a severe action that impacts my credit score. I have never had an account closed and I would have taken steps to prevent it if I had known. This is a predatory practice when all I was doing was making sure I had no balance to carry over each week.
Product: Credit card or prepaid card

This company Continental Finance aka XXXX card is fraudulent company. There are no rhyme or reason to there charging. They need to be closed as a company. I feel that if the CFPB allows this company to be open they are an accomplice. This card only has a credit line of {$500.00}. How does someone pay {$110.00} in fees. Is this a starter credit cards for young people? If it is how does a young person have a chance? Is this a card for people who, want to build credit? If so why would someone pay this much in fees. This company is a full of XXXX and are XXXX. The customer service is terrible along with all the hidden charges. I will continue to complain until this company is closed!!!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Account number : # XXXX I reviewed my Transunion credit report on XX/XX/year> and noticed some information is incomplete and inaccurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the Individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are not to furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am a consumer with Bofa and my security is at risk on public WiFi I want to use VPN ( virtual private network ) on my online banking account I never had this problem for 2 years for using online banking after one update I just stopped I put a complaint with the XXXX ( XXXX XXXX XXXX ) and they were being very rude with me on the phone when I use VPN for security of my account with BofA I told them that VPN is A virtual private network ( VPN ) is a technology that creates a safe and encrypted connection over a less secure network, such as the internet. VPN technology was developed as a way to allow remote users and branch offices to securely access corporate applications and other resources. I told BofA to fix the issue and its still going on with other consumers that go to coffee shops with laptops on public wifi and the bank refuse to fix the bug for our own security while on public wifi.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion credit reporting service requires an initial {$24.00} charge to register an account to request a credit report that should be free/gratis ; then sends an e-mail confirmation of new subscription with a monthly, recurring charge as well as the option to terminate membership after the first month and initial payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the companies and the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means they have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX JPMCB CARD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I cancelled XXXX XXXX. All equipment was returned and the bill was paid in full. They then said I owed them for an " early termination fee '' They refused to produce either my signature or my verbal agreement to this contract which they say I agreed to ( which I dispute ) that justified this early termination fee. I have always and still do dispute that I entered into such an agreement. Even though they refused to produce these items they sold this " account '' to XXXX XXXX   XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX In XX/XX/XXXX XXXX XXXX put this nonsense on my credit report, but did not bother to assign it an account number. I can't dispute this without an account number and the length of time it takes for something to fall off of a persons credit report started all over at that time. From what I can tell they can just keep selling this and the new company can just refrain from assigning an account number and I can never fight it. Therefore I will be saddled with this forever. This should be illegal. I am asking for your help with this matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc ) due to inadequate customer service and unfair practices, which violate the Customer 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 Electric 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

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. Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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: Credit reporting or other personal consumer reports

Today, I noticed unauthorized inquiries on my credit report and have no idea how they got there. I routinely check my report and never had issues before, but now, these discrepancies suddenly appeared. I tried refreshing the page, thinking it might just be a browser error, but nothing changed. Im requesting a detailed review of the documents I sent to ensure I never have to face this worry again.