23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX || DATE OF INQUIRY : XX/XX/XXXX XXXX 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 or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX Formerly XXXX Account no XXXX XXXX XXXX, XXXX. Account no XXXX XXXX XXXX, XXXX Account no XXXX Possible Financial account no XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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 ( i ) 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 suppose to 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, credit repair services, or other personal consumer reports

I've never filed a mortgage..never had a home to mortgage on. I don't know who what where when n why
Product: Money transfer, virtual currency, or money service

Attempted closing my PayPal account on XX/XX/ via web site ; spoke to Customer Service agent on XX/XX/ ; Customer Service cited that account could not be closed until 180 days after last transaction *however* could not direct me to the terms & conditions of my account ( online or otherwise ).
Product: Payday loan, title loan, or personal loan

My loan matured XX/XX/2021. The payoff balance is considerably higher than expected. My monthly payment was {$590.00} and I owe {$320.00} in late fees, etc. which is {$910.00}. Upgrade is billing me {$1200.00} to {$1500.00}. They never quote the same number twice. I asked for Upgrade on several occasions to substantiate this additional amount and they have not. Now they are threatening to report me late to the credit bureaus if I do not pay. If Upgrade would substantiate the additional charges, I will pay them. Threatening to ruin my credit is not a reason to pay. My numerous phone calls and emails have been ignored. I have been left on hold for hours. I have been promised return calls, and have not been called back.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Per : XXXX XXXX XXXX XXXX XXXX XXXX This company is not licensed or registered with the XXXX to do loans in XXXX now XXXX when this loan was made ( XXXX XXXX XXXX XXXX XXXX  open date ). This company is now attempting to collect with the legal processes and has put negative information on my credit report damaging my credit standing with potential lenders. 

I have disputed this transaction recently and since then I have gotten a report of XXXX late payments on this account even though it remains in a charge-off status ; thus damaging my credit rating even further. 

Please investigate and let me know your results. 

Thank you.
Product: Student loan

A third company party company gave me false and misleading information. They misrepresented my family size. They told me they would pay off my loans and they would no longer report on my credit history. Also they told me that their fee would not report on my credit. Which it is and is hurting my credit by showing as it is a credit card that is over maxed out.When I tried to discuss these issues with XXXX they directed me to the other XXXX ; I have multiple times tried to reach the company with no response.
Product: Vehicle loan or lease

XX/XX/XXXX I purchased a used suv from XXXX XXXX. Down payment was XXXX cash and a trade in value XXXX. 
The price of the car was XXXX Finance by American credit acceptance. As I XX/XX/XXXX the balance is now XXXX and the interest rate is high. Ive ask why my payment sent going to the principal and I didnt get an answer. Please help
Product: Checking or savings account

Complaint by : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MA XXXX Cell : XXXX XXXX XXXX ============== Complaint XXXX XXXX Citizens Bank XXXX XXXX  XXXX XXXX, RI XXXX ( XXXX ) XXXX XXXX ============== Dear sir/madam, Hope you are well, I would like to file a complaint against XXXX Citizens Bank ) for a disputed and cancelled transactions that they have decided in the merchant favor. 


Despite the fact that I proved to the bank that, I have cancelled the transaction timely with the merchant and never received any goods from the merchant. 


The merchant continued to charge my card, however, even after I had canceled the transaction with them. 


I disputed XXXX transactions from the same merchant XXXX XXXX XXXX XXXX ) located in XXXX, XXXX ( totaling {$4500.00} ) ================== [ $ XXXX $ XXXX {$1000.00} ] + [ $ XXXX $ XXXX $ XXXX {$250.00} ] ================== The merchant is getting away with the money and the goods. The merchant is located in XXXX, XXXX. 


The bank issued the provisional credit. Few weeks later, the bank reversed the provisional credit, and decided the dispute in the merchant favor, and ( unfairly ) let the merchant to keep the money and the goods. 

The bank was biased against me and discriminated me on the basis of National Origin, Gender, age, and Ethnicity. 


I have never received any goods from this merchant. The bank, however, decided to let the merchant keep the money and the goods, as well. 


I have filed my dispute with the bank timely after the transactions were posted into my account. The bank, however, denied my claims. And falsly claim that I have not filed my dispute timely. 


I filed several appeals, but all my appeals were denied, however. The bank denied my last appeal. Falsly claiming that the dispute was not filed timely, which is totally false.I filed the dispute timely. 


The bank seems to be biased against me and discriminated me on the basis of Ethnicity, National Origin, Gender, and age. 


I have never received the goods and need a full refund. 


Thank you for your kind assistance and look forward to hearing from you, Respectfully, XXXX XXXX : XXXX XXXX XXXX
Product: Prepaid card

Bank of America send my CA EDD card in the mail and it was intercepted again by someone else who depleted my account and used all of the funds. I have opened and reopened claims with the given claim department and submitted the documentation requested ( police report, proof of address, CA ID, written statement ). My claims were denied immediately, within only one day, and I was denied the money that is rightfully mine. Bank of America has denied my claims so quickly that there is no way they could have done a thorough and complete investigation. This is wrong and must be illegal in some way. I waited so long for these EDD benefits and someone else is getting away with stealing them from me. Bank of America is clearly okay with this and does not protect their customers what so ever. 

Claim # XXXX Claim # XXXX
Product: Credit card or prepaid card

On XX/XX/2020 i was suppose to recieve my EDD Bank of America debit card turns out that my mail was tampered someone activated and made transactions on my debit card I reported it ever since Ive been getting the run around funds are being deposited into my account but Im unable to activate my card, they sent me a new card and been calling Bank of America almost everyday since all this started they tell me to call them in 72 hours or other excuses Ive been waiting to access my funds for long time now I wasnt able to buy XXXX presents due to the fact that I cant activate my card.
Product: Debt collection

Contacted by a representative XXXX XXXX claiming to represent XXXX XXXX XXXX The representative then called a XXXX  relative to state I am having an issue with a bank to try and contact me that way. The representative has already been informed I am handling any and all debt through my credit repair service -XXXX XXXX  and not sure who they are representing as I am taking the proper steps to resolve any issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. are financial institutions by definition ENHANCED RECOVERY CO under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. are the financial institutions and the ENHANCED RECOVERY CO consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an ENHANCED RECOVERY CO explanation of how the consumer can exercise that nondisclosure option. Never informed me of my right to exercise ENHANCED RECOVERY CO.my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 
I have been paying this debt as it is taken directly from my paychecks. I need these off of my credit report asap This is a third party collection agency whom I have no obligation to.
Product: Student loan

I submitted a self certified application for the SAVE repayment plan in late XXXX or early XX/XX/2023. 

I submitted an email asking for an update on my application on XX/XX/2023. I received an automated email on XX/XX/XXXX stating that I would receive a response in 2 business days. I finally received a response on XX/XX/2023 stating that my application had not been processed yet and that wait times were up to 60 days, which we are well past for my application. 

I tried to contact them by phone several times but gave up after spending hours on hold. 

I have been making my payments during this time but can not afford them any longer.
Product: Credit card

on XXXX/XXXX/16, Bank of America refused to block any periodic ( every 3 months ) charges to my BankAmericard from an on-line vendor ( a dating site ) that no longer is accessible on-line, and though it has an XXXX phone number, no-one ever picks up the line to allow cancellation of the service and recurring charges. Bank of America only processes disputes of charges already made. This means that every three months I must potentially file a claim and hope for the best. As a result I no longer have control of my finances.
Product: Credit reporting or other personal consumer reports

In XX/XX/2022, XXXX XXXX XXXX ( ACS ) begun managing my private student loan from XXXX XXXX XXXX The balance at that time was {$5500.00} ( and XXXX cents ). Since then, I have made monthly payments of {$460.00} to XXXX. Currently, this loan 's balance is {$930.00} according to both my own records and XXXX ' website. However, the credit report I pulled today, XX/XX/XXXX, says the " Reported Balance '' of this account is, bizarrely, {$4100.00}. Not one of the payments I have been making all year to XXXX appears on this report. 

I have also today submitted a dispute to Equifax and an e-mail inquiry to XXXX.
Product: Debt collection

COLLECTOR FAILED TO VALIDATE DEBT AND HAS REPEATLY CALLED MY WORK AND CELL NUMBERS IN VIOLATION OF FCRA, FDCPA AND TCPA.
Product: Credit reporting or other personal consumer reports

The attached referenced collection agency has violated my consumer rights and I have asked the company to validate the debt that they say that I owe with them by providing me with a copy of the purchase agreement and the bill of sale. The company has failed to provide any proof that the debt is valid. I have also advised a cease and desist until documentation is provided for the validation of debt with their company under the fcra laws 15 usc 1692 g. I am demanding that this be removed from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Fl. XXXX ACCT. 
XXXX XXXX XXXX XXXX XXXX Dear Sir/Ma'am I XXXX XXXXConsumer to Experian Information Service this is request for complete validation/verification of this alleged debt your agency is reporting on my Consumer Report. 
I have disputed this account several times with EACH Consumer Reporting Agency. XXXX and XXXX have BOTH permanently deleted this item from my Consumer Reports.

ACCOUNT TYPE INCOMPLETE/INACCURATE, PAYMENT SECTIONS INCOMPLETE/INCORRECT, DATES AND ACTIVITIES SECTIONS ARE INCORRECT/INCOMPLETE CEASE ALL CONSUMER REPORTING UNTIL YOUR INVESTIGATION IS COMPLETE AND I AM SENT ALL REQUESTED DOCUMENTS LISTED BELOW.

( ( PLEASE PROVIDE ALL REQUESTED ITEMS BELOW AFTER INVESTIGATIONS ) ) XXXX- PLEASE PROVIDE AS REQUESTED FROZEN SCANS- PLEASE PROVIDE AS REQUESTED AUD- PLEASE PROVIDE AS REQUESTED CARBON COPIES-PLEASE SEND I AM REQUESTING MY CONSUMER FILES, FILE DISCLOSURES, AND CONSUMER REPORTS-ALL ARE REQUESTED. 

SEE FILE ATTACHMENTS XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX midland credit management, 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 customer reporting agency can not garnish My account without my written instructions.

15 USC 1666B : A creditor May not test va payment on a credit card account under an open end. Consumer credit plan as late for any purpose.
Product: Mortgage

We are refinancing our mortgage through XXXX XXXX XXXX XXXX XXXX. We were pre-approved by Freedom Mortgage company for {$160000.00}. pending our appraisal. We were given an FHA certified appraiser from XXXX XXXX ( through XXXX ). The appraisal came back at {$190000.00}. which was only {$5000.00} shy of what we needed. So the broker ( XXXX XXXX ) revised the loan request accordingly. We were just waiting for the approval of the underwriter. The underwriter requested that some comments be added to the appraisal so the broker sent it to the appraisal company for adjustments. 
we received our updated appraisal to find out it was decreased by {$10000.00} to {$180000.00} due to one added comparative property. We feel we are being undervalued and are not being treated fairly. This refinance has been taking a month and estimates just keep changing. We believe a decrease of that amount for one comparative property is unjust. The FHA approved appraiser 's first opinionated value should not be able to be overridden in that way. We have been paying our mortgage for 14 years and have refinanced in the past without problems of this nature. XXXX XXXX XXXX XXXX XXXX has been great every step of the way and believe we deserve a fair experience.
Product: Money transfer, virtual currency, or money service

I am reporting a complaint against cash app ( Block , INC ) due to inadequate customer service and unfair practices which violates the consumer financial protection act. 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 and regulations 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

My account with XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX 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 me 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 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 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: Vehicle loan or lease

On XXXX XXXX, 2017, I received a call from a debt collection agency about an outstanding debt of about {$380.00} supposedly owed to Toyota Financial Services ( " TFS '' ). I had previously taken over a lease on a Toyota Corolla with TFS, but that lease ended over a year ago. This was the first I had heard about any such debt. 

My complaint regarding TFS is two-fold : 1 ) To be contacted out of the blue by a debt collector about a debt ( a ) on a contract that ended over a year ago and ( b ) of which I never received any prior notification is, if not illegal, then at least incredibly frustrating. 

I understand from TFS that they send out a single notification letter regarding outstanding debts. I did not receive this notification. Again, if this is not illegal, it is at the very least incredibly frustrating. 

2 ) Now that the debt is with a debt collector, no-one at TFS will answer any questions or give any information about the account. Instead, they refer me to the debt collector, which in turn refers me back to TFS regarding why I did n't receive any prior notification. 
Again, at the very least, this is incredibly frustrating, if not illegal. 

I will not be doing business with TFS again. It seems stupid to lose a customer over a few XXXX dollars, which I would have paid promptly had I ever been notified.
Product: Credit card or prepaid card

I had an existing Chase Freedom Visa with a {XXXX} credit line. I opened a Chase Southwest Rapid Rewards Visa is XXXXXX/XX/2021. Chase transferred a credit line of {XXXX} to the Chase Southwest Rapid Rewards Visa from the Freedom Visa in order to open the new account. I tried to close the Southwest Rapid Rewards Visa a year later and restore the full {XXXXXXXX} Freedom Visa credit line. 

Chase refuses to restore the Freedom Visa credit line in full - and will only transfer {XXXX} back to the Freedom Visa credit line from the Southwest Rapid Rewards Visa. The explanation is that because there is a {XXXX} balance ( annual fee for XXXX ) on the Southwest Rapid Rewards Visa , the full credit line that I used to open the Southwest Rapid Rewards Visa can not be restored. 

According to Chase 's XXXX XXXX, the issue can not be escalated and the system will not allow him or anyone else in the company to do it. The only other solution is for Chase to perform a hard credit check to see if I qualify for a credit line increase on the Freedom  Visa. I have now closed the Southwest Rapid  Rewards Visa and XXXX says he is transferring only {XXXX} back to my Chase Freedom Visa credit line - but under no circumstances will Chase restore the full {XXXX} credit line on the Freedom Visa - even though that was what I was promised time and time again in my phone interactions with Chase customer service when I opened the Southwest Rapid  Rewards Visa and when I started trying to close it. 

I want my original credit line restored without a hard credit check. It makes no sense that I would enjoy the full XXXX credit line ( distributed over two credit accounts ) if I didn't close my Southwest Rapid Rewards Visa account.