23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Team, I hope this message finds you well. I am urgently reaching out regarding a distressing situation involving an online coaching program offered by XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX ), specifically their course titled XXXX XXXX XXXX XXXX XXXX XXXX, which I enrolled in since XXXX of last year. Here are the details : Upon enrollment, I was given only three days to cancel, with no other options to withdraw, despite facing personal challenges and later realizing the program did not meet my expectations. The program claimed to be rooted in XXXX values, which has proven to be misleading based on my experience. 

Efforts to contact XXXX XXXX, XXXX XXXX ( XXXX XXXX  XXXX ) via phone, email, and text have been met with consistent delays or no response, intensifying my frustration. Furthermore, they facilitated a loan through XXXX XXXX XXXX, but any support ceased once the loan was processed, leaving me and others feeling exploited. 

The initial cost of the course was {$29000.00}, a substantial financial commitment. During attempts to exit the loan, XXXX XXXX XXXX, the financing provider billed by third-party Universal Account Servicing , LLC, pressured me with threats of collection actions, resulting in additional payments to mitigate their demands. 

The sales process included undue pressure, unrealistic promises, and restrictive measures, such as prohibiting picture-taking, which targeted vulnerable consumers, particularly within the XXXX community.

Recently, a collections agency claimed I owe approximately {$30000.00} for this course, compounding financial and emotional strain. I urgently seek guidance on disputing this debt, seeking restitution, and holding XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX ) accountable for their practices. Assistance in navigating this matter and protecting my family from further harm is crucial. 

Additionally, ongoing health challenges requiring additional finances have further burdened my family. 

Please let me know if more details are needed to promptly review this case. 

Thank you for your prompt attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to express my frustration and dissatisfaction with Experian 's processes, which have made it virtually impossible for me to unfreeze my credit and access my credit information. These barriers are preventing me from obtaining new credit and have created undue stress and inconvenience. Here are the issues I have faced : 1. A
utomated Phone System Issues : I have called Experians customer service multiple times, but the automated system consistently states that only certain issues can be transferred to a live agent. None of the options I try allow me to speak to an agent.

2. Website Blockages : I attempted to resolve the issue online, but the Experian website redirects me to a page requiring me to order my credit report ( for free ). However, because my credit is frozen, I can not complete the process, and I am directed to call the same unhelpful phone number. 

3. Unhelpful PIN Recovery Process : I tried using Experian 's automated system to request a new PIN for my credit freeze. This process sent me a link to the same website where I am again unable to bypass the " order your credit report '' screen.

Experian has created a system that is unnecessarily difficult to navigate and prevents me from accessing my credit information. This has caused a delay in my ability to secure new credit, which is essential for my financial needs.

Experians behavior appears to violate the Fair Credit Reporting Act ( FCRA ) by failing to provide reasonable access to consumer credit information. If this matter is not resolved promptly, I am prepared to consult legal counsel to explore filing a class-action lawsuit on behalf of consumers who have faced similar challenges.
Product: Checking or savings account

I WAS SCAMMED FOR $XXXX  THROUGH XXXX XXXX UNAUTHORIZED. WELLS FARGO REFUSES TO GIVE ME MY MONEY BACK. 

XXXX XXXX

Escalations Representative

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
THIS GUY REFUSES TO HELP ME.
Product: Vehicle loan or lease

The lending institution is Citizen 's Bank, XXXX, XXXX XXXX XXXX, XXXX, RI In XX/XX/XXXX, I made a {$5000.00} payment on my car loan with the idea of paying off the loan ASAP. My monthly payments had been $ XXXX monthly. After, the {$5000.00} payment, I later learned that my monthly payments were reduced to {$58.00}, instead of continuing at {$160.00}, which made no sense. 

I had no inkling the payment terms had been changed until I called last week. I expected my balance to be close to being paid off due to the {$5000.00} payment and monthly payments of {$160.00}. I never changed my terms, never requested that my terms be changed nor did the bank inform me that my terms had changed from {$160.00} to {$58.00} dollars monthly. 

I spoke to a manager, XXXX, on XXXX XXXX, XXXX, Ref. No : XXXX and XXXX, on XXXX XXXX, XXXX, Ref. No. : XXXX. 

I calculate that {$1200.00} should have been paid to my loan had the bank not messed up changed the payment terms from {$160.00} to {$58.00}. I want things corrected. 

XXXX.
Product: Credit reporting

On XXXX/XXXX/2016 I discovered negative credit items had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. ''
Product: Money transfer, virtual currency, or money service

I deposited money with Coinbase after completing all verification processes including identification. They took my money and allowed to purchase XXXX currency with it. Now they have restricted my account by not releasing funds or allow me to transfer my XXXX elsewhere. They have had me do the ID verification 3 times now and tell me they have no idea when I will be granted access to it. They gladly and quickly took my money and now won't allow me to access it.
Product: Bank account or service

I tried to open a one year CD for {$2500.00} with the Capital One Bank on XX/XX/2017. 
I was told that before a CD account could be opened as a joint account both owners would have to be verified by Capital One Bank through a deposit in their checking account. My wife and I both have a joint checking account with the XXXX. I was told that both owners of this CD must be verified by Capital One Bank before, they would transfer the {$2500.00} from our joint checking account. My wife XXXX XXXX spent several hours on the telephone with several Capital One Bank employees providing them with the required information, that is date of birth, Social Security Number, XXXX Account and her Capital One Credit Card. She had established an old Sign In Name that was used more than 5 years ago when she had a Capital One account which she closed 5 years ago. The Capital One Bank employees that she talked to could not correct this problem and would not verify that she was the joint owner of the New CD that I wanted to establish with Capital One Bank. 
They then transfered the {$2500.00} from my XXXX checking account, but stated that they are still not going to open the CD account because they can not verify the identity of my wife, XXXX XXXX. Capital One Bank stated that they will not release my money back to XXXX Checking Account or open the requested one year CD for {$2500.00}. My money has been placed ON HOLD by Capital One Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX XXXX XXXX {$1700.00}, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$9200.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$600.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$210.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00}, XXXX XXXX & XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$1500.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I submitted a second written dispute to Experian regarding several unauthorized hard inquiries on my credit report. Despite my first request, Experian has failed to remove or adequately verify these inquiries. 

I contacted the creditors associated with these inquiries, and they confirmed that they do not have any record of my authorization or any permissible purpose for conducting these inquiries. Under 15 U.S.C. 1681b ( Permissible Purposes ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are prohibited from including inquiries that were not authorized by the consumer or that do not meet legally defined permissible purposes.

Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) requires credit bureaus to delete unverifiable information, yet Experian has not complied. I also requested a description of the method of verification under 15 U.S.C. 1681i ( a ) ( 7 ), but I have not received any documentation or explanation of how these inquiries were verified.

The Consumer Financial Protection Bureau ( CFPB ) has acknowledged problems with the EOSCAR system, which Experian may have used in an automated and inadequate manner instead of conducting a proper manual investigation as required by law.

These unauthorized inquiries are damaging my credit score, and Experians failure to properly investigate and remove them constitutes a willful violation of the FCRA as well as a potential unfair, deceptive, or abusive act or practice ( UDAAP ) under CFPB regulations.
Product: Payday loan, title loan, or personal loan

Due to a long-term hardship caused by Covid, my financial situation has been severely impacted. I have successfully negotiated lower payments with all of my creditors ( extended length of term and/or reduction of interest rate ) with the exception of one company - Upstart. Upstart offers a hardship plan which consists of 2 missed payment at which time the third payment then becomes bigger than the original payment because it has the late fees and payment built into it to make up for the 2 " missed '' payments. I have participated in the plan twice, but then realized that this put me in a worse situation long term, because the third payment was always going to be much bigger than the original missed payments. I tried unsuccessfully to negotiate a reduced payment or other option but the company insisted I had to once again apply for the same hardship, which does not make sense because I will always be in a worse position after those 2 " missed '' payments. I finally contacted an attorney to intervene because I want to continue paying but can not pay the even higher payment that is now demanded. Upstart told my attorney that the account has to go into Charge Off status ( after 120 days ) for them to review the case internally or sell it to a Collection Agency. This makes no sense, since after 4 months they will have permanently ruined my credit and I a willing to pay NOW. I just can not pay the even higher payment they are demanding. The company is completely ignorant to what consumers impacted by Covid are facing.
Product: Credit card

In XXXX of XXXX  Capital One credit card company requested my date of birth for the account. I provided the information three times, before their stated deadline. I received a call that the info was finally received by them on XX/XX/XXXX, before the deadline of XX/XX/XXXX. They closed the account anyway without notification to me. We have requested that the account be reopened. Every time I call to find out the status of reopening the account we are told it's still being worked on. I have been given a case number and contact person, but have no way to actually get back in touch with the contact person. I just called for another update and was told that the account still does not have my date of birth on record. Today is XX/XX/2023.
Product: Credit reporting or other personal consumer reports

XX/XX/year>- Present I achieved an over XXXX credit score that allowed me to get much needed dental care. I have several credit cards and an excellent score for payment history. Normally, I would be scored once or twice per month. 

After applying and receiving 2 loans for the dental work, the credit bureaus are scoring me and decreasing my credit score at least five different times so far this month. I haven't even had the dental work done yet, nor are any payments due until next month.

One of those times they decreased my credit score once on XX/XX/XXXX and then on XX/XX/XXXX. This can't be right. I don't have anything due at this time for them to score. They are prescoring me in advance because I applied for credit?? Excuse me but isn't this was having a decent credit score is used for?

I worked hard, years in fact to achieve this, I have an excellent payment history, now WITHIN MINUTES, the CREDIT SYSTEMS get to decide to decrease my score for using the ability to apply for the credit that I worked hard to build, makes no sense to me.

This is a misuse of authority and I want it stopped. They should not be monitoring and scoring me 4,5,6 times in one month. They don't do it to INCREASE MY SCORE WITH ALL THE EXTRA PAYMENTS I MAKE. IF THEY DID, I'D HAVE A XXXX SCORE BY NOW.
Product: Mortgage

on XX/XX/2021 I received a letter by myloancare.com from XX/XX/2021 stating that my loan was removed my from Forbearance per my request. 
I NEVER MADE A REQUEST TO REMOVE MY LOAN FROM FORBEARANCE!!!!!!!!! 
As a matter of fact I had a phone call with their Loss Mitigation Department on XX/XX/2021 at XXXX XXXX. I was assured that I still have several month left on my Forbearance and my next Payment would be due on XX/XX/2021. 
I called them again today and asked to put my Loan back on Forbearance and that I will begin making Payments, as per their confirmation from XX/XX/2021. Unfortunately their Customer Service did not even try to help me. Like always, they forwarded my call to their Loss Mitigation Team, which I suspect doesn't even exist. I tried to call them at least 20 times under several numbers provided by myloancare, and nobody EVER answered the phone. I requested call backs with the customer service, never received one. I also sent several emails. All they do is provide pre written answers, that my email will be forwarded to their team of " Specialists '', and then you will hear never from them again. 
I do not know, who could have make a request to remove my XXXXoan from Forbearance, but I am thinking about handing this Incident over to my Lawyer for further Investigation and also file this complaint with you. There seems to be some fraudulent actions going on, and I want to get to the bottom of this.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I had previously disputed this charge and got a temporary credit, in the meantime I got a new card- about a month later they took the $ back due to closing the investigation. Ive explained the situation about leaving my purse in XXXX back in XXXX. All of my information was in my purse. Upon reaching out to XXXX, which I did immediately after I disputed the charge wish CashApp, I explained the situation to them and they had agreed to return the money to the card which was the last XXXX digits to the card they made me close. The merchant agreed to the return of {$49.00} to my CashApp. Cashapp only provided the documentation saying they denied it. Ive asked multiple people via CashApp support to help me with this and they havent. This is ridiculous please help!
Product: Mortgage

Good morning My name is XXXX XXXX, i have a home loan number XXXX with citizens bank for my home XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and i paid the first XXXX mortgages as the amount i agreed on {$3500.00} but i surprised that the bank send to me a shortage in amount of {$150.00} will be paid every month till the end of the year to be {$3700.00}, i didn't delay for any payment for any shortage, if they miscalculated and when they reviewed they found a shortage it is still not my fault, so why charge me more I need your help please in that issue or direct me for who may help, Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX {$1600.00} XXXX XXXXXXXX {$940.00} XXXX {$0.00} XXXX XXXXXXXX {$460.00} XXXX {$2000.00} XXXX {$0.00} XXXX {$1300.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX XXXX XXXXG ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$640.00XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

They have ignored my previous request and failed to maintain reasonable procedures in there operations to assure maximum possible accuracy in the credit reports they publish.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bureau is illegally reporting inaccurate information in violation of the law 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; if the original debt XXXX XXXX account was indeed mine it would be illegal for you to report it unless you received written consent from me the consumer. Which you did not. 

the original debt XXXX  account is listed as charged off {$920.00} on my consumer report meaning said company would have received a tax credit for the balance charged off and sent out a form indicating it would be counted towards my personal income. ie ( debt paid in full ) for this debt to then be sold to XXXX XXXX as a debt unpaid is both fraud and illegal XXXX XXXX lists the debt amount as {$1000.00} again reporting a debt that is not mine with inaccurate amounts is both fraud no consent again from me the consumer is identity theft!

15 U.S. Code 1681c A 4 states- ( a ) Information excluded from consumer reports ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. these are just the first 3-4 violations that have come up not including the invalid debt amount and the unverified information the bureau and collection agency have reported
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan from NetCredit with the expectation that it would be a financial solution to help cover unforeseen expenses. However, the exorbitant interest rates associated with the loan have made my financial situation untenable and have caused me significant distress. 

As a XXXX, I work diligently to make a positive impact on the lives of my XXXX and I rely on a stable financial foundation to support my XXXX  endeavors. Regrettably, the terms of the loan from NetCredit have placed an undue burden on my financial well-being, making it nearly impossible for me to meet my obligations. 

The interest rates imposed by NetCredit are incredibly high, and despite my best efforts, I find myself drowning in debt. The monthly payments are unreasonably burdensome, leaving me struggling to cover basic living expenses. The financial stress and XXXX caused by NetCredit 's loan terms have had a detrimental impact on my personal and professional life.