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

I took out a payday loan with Amscot For {$500.00} plus XXXX in fees on XX/XX/XXXX. Because it was less than seven days until my next pay period, my due date was for XX/XX/XXXX. I called on XX/XX/XXXX and sought help for repayment of this loan. I have borrowed from this XXXX off and on over the past few years and never had a problem repaying the loan, unfortunately within the past month I had suffered some financial set backs. At the lime I requested help on the XX/XX/XXXX the only thing that was offered to me was until the XX/XX/XXXX as  they could not hold my check more than 31 days. I accepted this at face value and tried to figure out a way to come up with the funds, but was unable to. I called today one day before the loan came due tomorrow, and asked If I could please be helped with an extended payment plan. I was told no, because they had already helped me, and I didn't qualify for an extended payment plan anymore. I advised I had {$3.00} In my bank account if they deposit the check it will bounce, wasn't there something they could please do. I want to pay the loan back, I always have and never before asked for help on repayment. XXXX then told me that once the check bounced then possibly they could make some kind of arrangement with me. How is costing me {$60.00} or more dollars helping me? Plus I have never had a bounced check with this account. I am a XXXX year old female that works hard. I was not told by them at the time I asked for help In the first place that there was a 60 day grace period if credit counseling was scheduled etc. per the State of Florida, I just read about this today, as I am so desperate I just started searching for help. Why did they not inform me of this the first time I asked for help, why must I bounce a check to get help, I feel that this was deceptive on their part? I have until tomorrow before they deposit same. Could I please get some Intervention so I can remedy this without it costing me even more money, and my reputation with my bank.

Pease help.
Product: Credit card

According to an article in XXXX XXXX and elsewhere on the internet, Citibank intends to force accountholders and credit cardholders to receive statements electronically or lose electronic access to their accounts. 

It goes on to state that new customers are automatically enrolled in e-statements. 

Both of these violate the provisions of XXXX which specifically states that it does not require consumers to agree to receive records electronically. Even paper statement fees that discourage consumers from receiving paper statements were frowned upon if the intent was to force the consumer to accept electronic delivery, as recently evidenced in the CFPB 's own recent publication on junk fees. And new customers can not be automatically enrolled without having an option for paper statements. Plus automatic enrollment would need to follow XXXX disclosure and demonstrable consent requirements which might not be occurring. Many financial institutions explored the automatic enrollment with opportunity to opt-out solution and found that it was not permissible. 

I as a consumer should not be forced to forego paper statements and risk losing electronic access. 

link to article : XXXX XXXX XXXXXXXX XXXX XXXX SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ACT TITLE I -- ELECTRONIC RECORDS AND SIGNATURES IN COMMERCE This title does not limit, alter, or otherwise affect any requirement imposed by a statute, regulation, or rule of law relating to the rights and obligations of persons under such statute, regulation, or rule of law other than a requirement that contracts or other records be written, signed, or in nonelectronic form ; or ( 2 ) require any person to agree to use or accept electronic records or electronic signatures, other than a governmental agency with respect to a record other than a contract to which it is a party.
Product: Credit reporting, credit repair services, or other personal consumer reports

An UNAUTHORIZED INQUIRY was made on my XXXX account on Thursday, XXXX XXXX, 2021 by Chase Bank. I DID NOT authorize Chase Bank to do an inquiry on this date. I did authorized a one-time inquiry on Wednesday, XX/XX/2021 for a credit line increase on the credit card stated above and it was granted. This was the ONLY time I contacted Chase Bank and authorized an inquiry, which was on Wednesday, XX/XX/2021. There was NO ADDITONAL REQUEST MADE OR AUTHORIZED BEFORE OR AFTER THIS DATE BY ME FOR ANOTHER INQUIRY. I called the same day as the initial request, Wednesday XX/XX/2021 and asked if the amount could be increased, which Chase told me IT COULD NOT and it would only be considered if I authorized another inquiry, WHICH I DID NOT AND MADE IT CLEAR VERBALLY THAT I DID NOT AND WOULD NOT AUTHORIZE ANOTHER INQUIRY so that ended my communication with Chase Bank that day Wednesday XX/XX/2021. I never contacted nor authorized Chase to make a new inquiry on XX/XX/2021. This new inquiry made by Chase Bank on Thursday, XX/XX/2021 needs to be REMOVED FROM MY REPORT AND MY SCORE NEEDS TO BE AMENDED IF IT WAS AFFECTED NEGATIVELY BY THIS UNAUTHORIZED INQUIRY. I have attached a copy of my XXXX report with the alert of the inquiry I requested on Wednesday, XX/XX/2021 and the new unauthorized inquiry Chase made WITHOUT MY CONSENT on XXXX.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in clear violation of the law. I obtained a copy of my Equifax Report and noticed the following data furnished that I found to be inaccurate and incomplete as per 15USC 1681i ( 5 ). The information included in my dispute notice sent ( PLEASE SEE THE ATTACHMENT INCLUDED BELOW ) on ( XX/XX/24 ) was furnished without written authorization from me or permissible purpose pursuant to 15USC1681 ( B ). This agency is also in violation of 15USC1681 ( b ) ( a ) ( 3 ) ( f ) ( i ) for allowing the following person ( s ) included in my notice sent ( PLEASE SEE THE ATTACHMENT INCLUDED BELOW ) to obtain my Equifax Report without my written authorization and permissible purpose under the FCRA and its guidelines which is a direct result of IDENTITY THEFT pursuant to 18USC1028 ( A ). According to 15USC 1681 ( b ) c ) Furnishing Reports in connection with credit or insurance transactions that are not initiated by the consumer Equifax must remove these unauthorized inquires listed in my notice. It this consumer reporting agencys obligation as a consumer reporting agency to ensure MAXIMUM ACCURACY of my report pursuant to 15USC1681 ( e ). 15 USC 1681 ( 2 ) ( a ) ( i ) states my transactions or experience as a consumer to any person are excluded from my consumer report. If transactions are not included in my consumer report, why are there late transactions? This information included in my notice sent must be promptly removed from my consumer report according to 15USC 1681a ( 5 ) and I shall be notified with the details of your investigation pursuant to 15USC 1681i ( 7 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$61.00}, {$0.00}, {$1700.00}, {$780.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a credit limit of {$61.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 


-- STUDENT ACCOUNTS -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$780.00} -This is not my account.
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Urgent Request for Assistance in Recovering Funds from Bright Money Loan Account Dear Consumer Finance Protection Bureau, I am writing to seek your assistance in resolving a concerning issue regarding my loan account with Bright Money. As a borrower, I have been diligently making timely payments to my Bright Money account, ensuring that my debts are being paid off. However, I recently encountered an unexpected situation that has left me in distress and in need of immediate support. 

On XX/XX/XXXX, I received a notification from my bank account regarding a purchase of {$5000.00} made on my debit card by Bright Money. Alarmed by this transaction, I promptly contacted Bright Money to address the issue. I provided all the necessary information to verify my account on four separate occasions, starting from Monday, XX/XX/2024, when the charge was initially made and pending, up until the present date of XX/XX/2024. 

Regrettably, each representative I spoke with informed me that the only payment they could locate on my account was the last payment I made on XX/XX/2024, amounting to {$440.00}. Despite my persistent efforts to provide evidence, such as screenshots showing the deducted funds from my bank account, I have not received a satisfactory response or resolution to this matter. One email I received on XX/XX/2024, stated, " Please be informed we couldn't see any transactions in your Bright account to refund the funds. '' The loss of this substantial amount of money is not only financially burdensome, but also deeply affecting me emotionally. I had diligently saved up this money with the intention of paying off my bills, and this situation has caused significant distress and XXXX  Therefore, I kindly request your intervention and support in facilitating the recovery of my funds from Bright Money. I also opened up a claim with my bank account for this matter. I kindly asked that Bright Money place my account on hold suspending all future transactions so I wont be charged every month for money I currently dont have.. 

I would greatly appreciate any assistance you can provide in expediting a resolution to this matter. Please let me know if there are any additional steps or information required from my end to further assist with the investigation. Thank you for your attention to this urgent matter, and I look forward to your response. 

Sincerely, XXXX
Product: Credit card or prepaid card

I purchased furniture at Ashley 's furniture in XXXX 2016 ( total {$3100.00} ) and signed up for a 24 month same as cash credit card. After a year of paying on it, I was hit with {$960.00} in interest. I looked at my paperwork and the comments state " stars and stripes no interest 24 months tax. Below that it shows they only gave me the 12 month same as cash credit card. I have worked with the District Manager and they will only credit me back 1/2 the interest because they say it was signed. I have asked for the original paperwork ( with signatures ) 4 times now and they still have not sent it to me. I only have the paperwork that does not have signatures. So what I " thought '' I signed up for, I did not receive. I feel like they should honor the 24 month interest that I was promised.
Product: Mortgage

On XX/XX/2019, Loan Care cashed my mortgage payment check. This was posted to my bank account on XX/XX/2019. 
On XX/XX/2019, Loan cashed my mortgage payment check. This was posted to my bank account on XX/XX/2019. 

Loan Care lied that they had not received any payments for 2 months so they charged me late fees and reported 2 months delinquency no payments to credit bureaus. 
On XX/XX/2019, I sent Loan Care a letter to let them know that 2 payment checks had been processed by Loan Care. Those 2 payments were still within the grace period ( which was between the XXXX to the XXXX of each month ). I requested that Loan Care credit all the late fees and correct the negative reports that they already reported to those two credit bureaus or else I would like to hear from loan care within 30 days before I file a compliant against Loan Care. However, I have not heard any responses from Loan Care. 

I truly need your help to investigate this matter because Loan care did not honor their 15 days grace period, lied, and charged late fees to borrower. As a result, this negatively impacted my credit score. Thank you in advance for your time  and attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information far as my name and address that is reporting on my credit report is not correct. The correct spelling and address is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX, maryland XXXX. Everything else far as the other names and address is incorrect.
Product: Mortgage

My loan was originally with XXXX XXXX XXXX which has since been acquired by NewRez LLC. 

I unfortunately had a fire at my home which was covered by insurance. A large 6 figure claims check was sent to the consumer ( me ) to start building back my home. NewRez was attached as an additional party.

NewRez states their process is to have the homeowner sign the check and send it to NewRez by which they will, at their discretion, send money to the homeowner for payments. My issue is NewRez REQUIRES an inspection every time money is to be sent to the homeowner, NewRez will then CHARGE THE HOMEOWNER for an inspection that ONLY NEWREZ requires. In the state of Florida, a 4 point inspection is required after any major renovation to be covered by insurance. I'm already paying for a personal inspection, but NewRez WILL charge me for their own inspection. Not even the insurance requires inspections for funds. This is completely immoral and unethical and if NewRez would like to charge an inspection fee to make sure the property meets or exceeds their expectations, it should be the financial responsibility of NewRez.

In addition, there's something unsettling about releasing 100 % of the signed funds to NewRez to be used and given at their discretion. I'd never down ANY of this with ANYONE, EVER, yet this seems to be an acceptable practice for my Lender, whom I pay monthly money to for a home already and who is single handedly preventing access to funds to help me continue paying the mortgage. 

From everyone I've talked to in the industry, this is NOT NORMAL and is behavior that should be reviewed and revised. 

My home incident was in XXXX, we are currently in XXXX. I'd notified NewRez during several conversations, but they only documented the first portion of the process starting in XXXX. This has been the most infuriating part of the entire claims process. Not the contractors, public adjuster, or claims adjuster, but my Lender - NewRez LLC XXXX
Product: Debt collection

XXXX XXXX XXXX Sentry Recovery & Collections, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. As stated in 15 USC 1692C ( C ) law clearly states If a consumer notifies a debt collector that consumer refuses to pay a debt the debt collector must cease all communication, there for without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
Product: Mortgage

I entered in to forbearance in XXXX of XXXX because of Covid19. My mortgage service is Wells Fargo. I have an FHA loan. In XXXX of XXXX like I was told to do so upon the ending of my forbearance I contacted them and told them Id like a covid19 loan modification. I was then told once he input my information I would have a home preservationist contact me within 7 days. This was untrue and never heard from Wells Fargo until I received a loan modification the end of XX/XX/XXXX. I was then given a specialist { XXXX XXXX } to call with any questions. I tried for days and weeks and never got thru to her because she was either not answering or her voicemail was full and you couldn't leave one. I decided to call and get a rep on the phone and explained to him I had questions about the loan mod and had absolutely no help getting in touch with my rep. I asked for a supervisor to please contact me. XXXX XXXX called me which was a supervisor and went over the terms of the mod with me and at that point in the state in which I reside a program was offered called XXXX to families to help pay back mortgage payments and it would go live on XX/XX/XXXX. I had told XXXX that I would like to try to get help thru XXXX to pay my back balance off and that would allow me to do a refinance and lower my monthly mortgage payment because when Wells Fargo did the loan mod they only lowered my payment by XXXX. XXXX said he would put my account on a hold until I could get everything over to XXXX and get the ball rolling. If I were to do the loan mod thru Wells Fargo it wouldn't offer a refinance until you were 6months to a year in to your mod. He then gave me his direct line and said to contact him with any updates. Once I had submitted my info to XXXX XXXX had tried several times to contact him and nothing. Again I called to speak to a rep who could get me in touch with either a supervisor or XXXX. I then had a call two days later from XXXX which was a supervisor as well. At that point Wells Fargo said my loan mod was no longer being offered when she pulled up the information on it. I had told her what was going on and she had told me she was going to expedite my loan on to a reopening team to see if they could get it reinstated. She would call me back with any questions. I received one call from her letting me know if I needed anything to call her. That was on XX/XX/XXXX. Since then I have not received any call from her, just letters from XXXX XXXX telling me they need documents for a loan mod and to call her. I call and here we are again ... .no answer and a full mailbox. I then called back to try to get XXXX on the phone and no luck. I managed to get a rep who got me thru to her voicemail and I left a message on XX/XX/XXXX. In the meantime I have now received a letter of intent. XXXX is still working on my application and I have literally no idea what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below which appears on my credit report does not relate to any transactions that I have made. It is the result of identity theft. 

XXXX XXXX  account # XXXX {$700.00} ( XXXX ) Ive never done business with this company or entered into a signed contract. This account is fraudulent. 

2. XXXX XXXX XXXX account # XXXX {$920.00}. XXXX XXXX XXXX Ive never done business with this company or entered into a signed contract with this company. This account is fraudulent. 

The following inquiries are fraudulent 1. XXXX  XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX  XX/XX/XXXX 8. XXXX  XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11.XXXX XX/XX/XXXX 12. XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized Personal Information Disclosure : The disclosure of my personal information to credit reporting bureaus without my explicit consent violates the FCRA, the Privacy Act of 1974, CFR Title 16, Part 313, and the UCC 's consent mandates.

Discharged Debts Still in Collections : The continued collection efforts on discharged debts represent a breach of the FDCPA, UCC Section 9-607, underscoring the need for accuracy in debt collection practices.

Misrepresentation by Debt Collectors : Misrepresentation regarding debt collector identity and debt nature directly violates the FDCPA, UCC Section 1-202, requiring transparent and accurate debt collection practices.

Lack of Clear Opt-Out Notice : Failure to receive a clear opt-out notice for the use of my personal information breaches the FCRA, CFR Title 16, Part 313, and the UCC 's consumer information protection requirements.

Failure to appropriately credit my account with dividend payments made off treasury coupon nor certificates of indebtedness due following a charge-off, which constitutes an error under the Electronic Fund Transfer Act ( EFTA ) , 15 U.S.C. 1693-1693r, and its implementing Regulation E, 12 CFR Part 1005. This notice is to inform you that the anticipated adjustment through certificates of indebtedness has not been processed correctly, adversely affecting my account balance and my rights under the EFTA.
Product: Credit reporting or other personal consumer reports

I went to purchase a new car and was denied and not approved for the car due to XXXX XXXX reported I was late on 4 payments which is inaccurate and wrong information reported to all 3 Credit bureaus. I have never been late with my payments and have always paid on time.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolute ] ion 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, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and TransUnion must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts 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 are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX