23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was sold counterfeit shoes that XXXX XXXX stated were authentic, and he lied about getting them from a legitimate source ( XXXX XXXXXXXX XXXX  Website using automated bots ). When in reality he bought the shoes from a supplier in XXXX and resold them to me then had the shipping information changed from his address to mine. The transaction was between him and I. He is not willing to accept responsibility for taking my money and charging me for shoes that are confirmed counterfeit when I paid for authentic shoes. I had no interaction with the supplier. 
My only interaction and transaction was through XXXX. After my complaints to him he tried to make himself look better by ordering a real pair of the same shoes I bought from a verified website. ( XXXX ) The supplier he buys shoes from apparently has a factory in XXXX that produces a plethora of counterfeit products. He sent me a wide variety of shoes I could purchase claiming they are authentic. He also sold many pairs of shoes to people all over the United States through XXXX. 

I have contacted cashapp previously and they have not been willing to conduct their own investigation. I reported the indicident to the police Case number : XXXX Officer : XXXX  Badge Number : XXXX Phone Number : XXXX Address : XXXX XXXX XXXX, XXXX MD, XXXX I have also reported this issue to the FBI 's IC3 department
Product: Credit reporting or other personal consumer reports

Subject : ** Complaint Regarding Credit Bureau Non-Compliance with FCRA XXXX XXXX Victim Dear CFPB, I am a XXXX XXXX XXXX XXXX  also known as " false imprisonment. '' Under the Fair Credit Reporting Act ( FCRA ), specifically [ 15 U.S.C. 1681c-2 ( a ) ], credit reporting agencies are required to block negative information on a credit report resulting from XXXX XXXX upon receipt of appropriate documentation. 

I provided the credit bureaus with all necessary documentation, including proof of my status as a trafficking victim, and requested that the negative items related to this situation be blocked from my credit report. Despite my submission, the credit bureaus negligently failed to comply with their legal obligation to block the disputed items. 

This failure to act has caused ongoing harm and is a direct violation of the FCRA. I am requesting that the CFPB take action to hold the credit bureaus accountable for this negligence and ensure they fulfill their legal duty to protect XXXX XXXX XXXX XXXX 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX
Product: Student loan

I am currently in my XXXX year working full time at a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have tried repeatedly over the years to get in on this program. Ive contacted them when I couldnt even access my personal student loan information for long periods of time. Then I couldnt figure out how to apply for the program or what to do. So many, many times I could not get through to anyone as Id be on hold for literally hours. Then the few times I did speak with someone - I was always told my better option was to put my loans in forbearance for the time being then sign up for the program after the forbearance was up. The most recent that this occurred was during the COVID pandemic. But that was not the first time. That was probably the tenth time that had happened, at least. My kids thought I didnt know what I was talking about because they had called and had someone super helpful walk them through step by step in the process, follow up with them to make sure everything got set up, etc. Then on a few occasions Id had them with me when I tried to call and they realized I wasnt exaggerating or making excuses- I literally couldnt get through and when I did it was suggested I just put the loans in forbearance again. My loans now, with interest over the years, have probably tripled in the amount owed ( Im not sure exactly- bc I was never able to get exact information so many times ). In the meantime, my husband died ( very unexpectedly ) and now with only my income- I barely am able to pay basic living bills month to month ( living expenses, insurance and taxes take up almost all of my pay ). Now the COVID forbearance is over and the only options Ive now been given ( and I honestly dont even know who the company is anymore thats servicing the loans- I thought it was still Navient but apparently not? ) are payments that are more than half of my bring home pay. Its so frustrating and stressful and impossible to figure out. And I accept a lot of the responsibility for taking out the loans and not paying on them for so long. But now I cant get any loans due to the high debt, Im XXXX XXXX XXXX and I dont see any kind of doable resolution. Its just that for so long I tried to get help and it wasnt available its made the situation that much worse.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/2022, I got scam on XXXX XXXX. I sold an airfryer for the amt of {$150.00} in XXXX. A scammer asked that he wanted to make the payment thru XXXX payment app and had his wife to pickup the item. I agreed the payment method and provided him my email address. He told me he sent in {$150.00} thru XXXX, however a business account for the amt of {$500.00} was needed to be created in order to release the fund to my account. He told me to read an email from XXXX XXXX  ( XXXX ) and sent in an additional {$350.00} and it was refundable. At that time, I didn't realize it was a scam email and I followed the scammer 's instruction to send an add'l {$350.00} to XXXX Later on, they said they couldn't send me the fund due to their min limit of {$800.00} in their account. They asked that I send an add'l {$300.00} to them in order for them to release the fund. However due to Chase bank daily limit, I only allowed to send {$500.00} max per day. I told them I could only send in {$150.00}. They said it was ok. I followed instructions and sent them {$150.00}. For the remain {$150.00}, they asked that I sent in Gift card or pay thru other payment app. From then on, I called XXXX customer services and told them the situation. XXXX customer service told me that it was not their email address. So that I noticed it was a scam. The next day, I went to the police department to report this issue and had a write up police report. 
In conclusion, I lost 2 XXXX payments, one for {$350.00} and one for {$150.00}. Total to {$500.00} being scam ( see attached chase statement ). I contact JP Morgan chase bank to request a dispute and request for reimbursement. They did research my account and stating could not recover my fund back. I am hoping the gov't would help me settle this issue. I really appreciated if I can recover the lost fund.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX  XXXX Balance {$550.00} ; XXXX XXXX XXXX Balance {$61.00} ; XXXX XXXX XXXX XXXX {$2700.00} ; Original : XXXX Balance : {$33.00} ; XXXX XXXX  Date of Inquiry : XXXX ; XXXX Bank XXXX ; XXXX XX/XX/2022.
Product: Checking or savings account

Opened a checkin account with Wells Fargo on XX/XX/XXXX and they send me email next day they will Close my account asked the customer service they are not giving any reason but saying that ITs is a business decision to not do business with me without any explanation. 
I would need to know what is that reason.
Product: Debt collection

I have a report on my credit regarding a debt in the amount of {$4300.00} from XXXX at XXXX, address XXXX XXXX XXXX, XXXX, TX XXXX. The debt is now with rent  recovery solutions, address XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, GA XXXX. Phone number XXXX. I have attempted to reach out to the original creditor asking for detail statement of charges which they refuse to send. They are collecting on a debt that is invalid due to the balance. They can not prove the validity of the balance. I spoke with rent recovery solutions and my collector handling my file admitted herself that the balance was wrong and the apartments refuse to send an item my statement to them as well. The collector handling my file also claimed the property was trying to charge for not providing a notice to vacate the property, I, in fact, did submit an email stating my intent to vacate the property per management at XXXX XXXX 's request. I have the original email which I sent to the property on XX/XX/XXXX at XXXX. I sent a copy of the email via usps mail to the collection agency as proof of submittal. I attempted to reach out to both the collections agency and creditor as far as correcting the balance. The property has never responded acknowledging any email sent. The balance the complex is trying to collect on is entirely invalid. The first balance the apartment complex claims was in the amount of {$900.00}. The next amount that the complex try to collect on was {$1000.00}, I have attached a copy of the letter sent. The next balance the apartment complex try to collect on is now the {$4300.00}. The amounts are continually changing which makes it difficult to find out what the true balance is, if any.
Product: Debt collection

I have tried to get pro com services to delete an account off of my XXXX XXXX and XXXX  credit reports the amount is {$360.00} for power company. There own representative pro com services said the social security numbers do not match mine nor does the address where I lived. They pro com services have never sent me proof showing the bill is mine and have refused to remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act These accounts have violated my rights : *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *XXXX  XXXX *XXXX  XXXX 15 USC 1681 section 602a states i have the right to privacy & 15 USC 1681 Section 604a section 2 also states a consumer reporting agency can not furnish a account without my written instuctions
Product: Credit reporting or other personal consumer reports

Experian continues to violate the FCRA laws. I have informed them that there is information on my consumer report that was due to fraudulent activity and identity theft, and Experian is in DIRECT violation of the Fair Credit Reporting Act 15 U.S.C. 1681c-2 ( a ).

I was the victim of identity theft and there are accounts appearing on my consumer report that do not belong to me. Experian refused to remove the fraudulent information off of my report. This is HIGHLY illegal.

Experian has 4 business days to remove this fraudulent information from my consumer report.
Product: Vehicle loan or lease

Ally Financial Services have wrongfully repossessed XXXX XXXX XXXX XXXX since XX/XX/XXXX. 

However, Leading up to the repo on Numerous Occassions Ally Financial Services has defraded our Company. Firstly by switching our loan to lease. Secondly by miappropriating ( lump sum principal payment of {$9900.00} and instead denying COVID Assistance and Using principal lump sum payments during the disaster instead of refunding the payments as requested. 
When the Misapplied payment was brought to Ally 's attention, they promised an Extension through XX/XX/XXXX. 

I called Ally Financial Services on 10 different occasions to endure long hours of hold times, to be transferred from department to department, or to hang up trying to obtain information from the company regarding the vehicle. I spoke with a guy Named XXXX who was very nasy and condesending who ( stated he could act like a manager ). He promised 24-48 hour callbacks from Ally, which were NEVER received. 
The company has illegally covered my vehicle. 

However, The guarantor was in Pending Bankruptcy, which was later dismissed. Subsequently, without repo notices, Ally Financial repossessed the vehicle and refused to communicate redemption or recovery of the vehicle or provide any information to recover the vehicle. 

Ally Financial Services has continued to impact our daily operations. This company vehicle has equipment such as cameras, printers, and cell phone mounts, as it was recently enrolled in a XXXX platform. These actions, which violate laws and consumer protection regulations, have caused significant and irreparable damages to our operations by failing to explain amount owed, provide any reinstatement or redemption Notices, or Prior Notice to Repossess
Product: Credit reporting, credit repair services, or other personal consumer reports

Other consumer reporting agencies have already removed this incorrect information ( please see attachments ) from their reporting system. According to the Fair Credit Reporting Act, all reporting should be fair and accurate ; hence your company should also remove and block the items mentioned in the attached documents.
Product: Mortgage

Constant and annoying calls that don't stop if you don't answer and if you do answer they try to manipulate you into a promise, happens all hours of the day and night, during hours I am at my place of employment, On the weekends. I have asked the company to cease phone communication and that their correspondence can be via XXXX or email. They told me that I would have to send them a letter requesting the calls stop. I sent them a letter even though I verbally told them to stop calling. They said they never received the letter. I once again asked them for the final time to quit calling and that they could communicate via email or XXXX as long as that didn't become to a harassing level as well. I have not been past 30 days and still get these calls nonstop.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sold my house in XXXX XXXX, CA. It had been in pre-foreclosure because I had fallen behind on my payments. However, it never got to foreclosure status. The house was a regular sale from which proceeds were received. I have the deed of sale indicating such, where my name - not a banks name - is on the signature line. The issue is that this was recorded to the credit bureaus as a foreclosure which has damaged my credit and impeded my ability to purchase a home. At some point between the time of sale and now, the financial institution with whom I had had my mortgage, XXXX XXXX XXXX, was acquired by Nation Star Mortgage ( d/b/a XXXX XXXX ). On XX/XX/XXXX, I contacted XXXX XXXX via recorded telephone conversation advising of this error. I was told that within 6 weeks I would get a response. On XX/XX/XXXX, I received a response from XXXX XXXX in which they state they conducted an investigation and determined that the account was paid in full and that there were no errors found in my credit history and therefore a credit correction was not necessary. This was not the nature of my inquiry. No one is disputing that the account was paid in full, as that is public record. Im disputing the fact that it was recorded as a foreclosure and is flagged as such by the bureaus on my credit report. I made two subsequent phone calls to XXXX XXXX in attempt to further clarify my position. I was told that theres nothing they could do because XXXX XXXX XXXX is defunct, and they recorded the account as closed, paid in full. Since XXXX XXXX Mortgage acquired XXXX XXXX XXXX, they also acquired the burden of correction in addressing issues such as this, which have a direct negative impact on the consumer. Im not sure if its laziness or incompetence but I have a feeling its equal parts. I need my credit report to reflect the sale of my home correctly, and not as a foreclosure. I would also like to be advised of my litigation options, as at this point I believe there are damages to recoup.
Product: Mortgage

Seterus purchased our mortgage from XXXX in XX/XX/2013. I 'd like to state, in twenty three years of providing mortgage payments we have never miss a single one nor have we been late, however Seterus automated collection business claims we owe {$1400.00}. ( plus interest ). They started sending us harassing collection letters monthly threatening to default on our mortgage if not paid. ( very troubling ). Their action is deliberately damaging our credit score. I have contact them on several occasions asking them to explain the amount claimed due, I 've made copies of all paid mortgage check from the past three years and fax over to Seterus but, customer service personnel fail to explain the amount they say is owed. I 've ask to speak to their supervisor in regard to the letters and was told by the supervisor its an automated system letter and will stop once the faxes sent in have been validated. But the letters continue, and our credit score continues to suffers, what repercussion do we have?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to update the account. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft Report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft Report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$12000.00}
Product: Student loan

These entries are incorrect and are having a negative impact on my credit score. I am requesting that these items be investigated and removed from my credit report. Enclosed are copies of relevant documents that support my claim, including [ list any documents such as payment records, correspondence, etc. ] .I understand that under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute within 30 days of receipt. Please provide written confirmation of your receipt of this letter and keep me informed of your investigations progress and outcome. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included these in my previous Complaint & I am including them again. 
XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$5700.00} ; XXXXXXXX XXXX XXXX XXXX XXXX  {$150.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX  {$10.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$1800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$3300.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX {$230.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX XXXX XXXX XXXX NC XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 HAVE SUBMITTED POLICE REPORT TO   XXXX   and EQUIFAX SEVERAL OCCASIONS AND DISPUTED ACCOUNTS I N 2016 THESE ACCOUNTS HAVE BEEN DELETED DUE TO FRAUD AND THEY RE APP EAR ON MY CREDIT FILE I WAS TOLD TO GET A NEW POLICE REPORT AND SEND BACK TO THEM I HAVE DONE THAT AND I AM GETTING NO WHERE WITH   XXXX   IN REMOVING THE ACCOUNTS THAT CAME BACK AND ACCORDING TO TH FTC I DID NOT RECEIVE A  FIVE D AY NOTICE ON THE REAPPEARING ACCOUNTS THAT FRAUDULENT
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an XXXX dispute for my XXXXCNG account balance not being reported correctly. The creditor was not honest during the dispute investigation and has refused to update my account balance with XXXX for over 75 days. The creditor has been reporting the wrong account balance for several months since the loan was awarded in late XX/XX/XXXX. According to my online account information, I have a XXXX balance. Because, of the last payment received by the creditor in late XX/XX/XXXX in the amount of {$3500.00}.
Product: Payday loan, title loan, or personal loan

I undertook a loan online from Spotloan in XX/XX/XXXX. Unfortunately, due to unforseen circumstances I fell behind in payments in XX/XX/XXXX, at this point I realised that I had paid a huge amount to Spotloan in payment of the loan ... ..to date, a total of {$990.00} on a {$500.00} loan. Looking i to this, I have realised that I was hooked into a an interest payment in excess of 400 %. On further research I found this company is not liscenced in California and their interest rates violate the California Usury laws. In addition, they have been robo-calling my cell phone several times a day, which in otself is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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