23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My wife and I applied for a chase card the is named United Explorer Mileage plus We did this as to get through to the baggage section on United website and be able to continue because it was t letting us go any further until we filled out the application di we did and we were approved for the card and {$5000.00} credit limit. Now we have had this card about a month and when my wife was shopping she went to use card for the transaction and was denied which shouldnt have been then we receive an alert regarding g is this your purchase and we stated yes. This was from fraud department now mind you we had not received any notices or anything regarding our account. Then we log in to the app. For Chase and it says account closed. Now I speak to them today and they say after a deeper review of our credit that they decided to close account. I feel this is extremely tacky. Chase should not be allowed to do this after we have had cards for almost a month now they close it after we used it I have never had to deal with creditors like this they use and angle to XXXX you on then after a month they close your account this is XXXX percent wrk g
Product: Credit reporting or other personal consumer reports

My credit report shows that I have a late payment with XXXX for the month of XX/XX/year> which is absolutely false. The payment was made and can be confirmed by XXXX XXXX ; it is set up with automatic payments and also overdraft protection so there shouldn't be any late payments. I reached out to XXXX and they said they would contact the credit bureaus to fix the problem but the problem was never fixed. I disputed with the credit bureaus and the dispute was denied. This has a hugely negative impact on my score and needs to be fixed ASAP.
Product: Payday loan, title loan, or personal loan

In XX/XX/2018 I took out a {$3100.00} personal loan from Cashcall. The terms were {$340.00} per month for a duration of 47 months.The agreement states that there is no penalty for paying more than the monthly amount. So in XXXX I made the first payment of about {$200.00}. In XXXX I made the required {$340.00} plus an additional {$1500.00} to cut the loan in half and lower my monthly payments. To my surprise CASHCALL CHANGED THE TERMS OF THE LOAN WITHOUT MY CONSENT from 47 months to 7 months and they are refusing to adjust the monthly payment to the lower amount now owed. So I refused to make any payment until my account is corrected or until they abide by the terms of the agreement. I received a letter / email from their legal team asking me to agree to a modification of the original agreement. I declined. Now they are reporting me as delinquent and ruining my credit. These personal loans are insanely expensive due to the high interest rate. But by paying off a big amount and keeping a low payment, the account can be a positive boost on a credit for the remaining time of the loan. So this loan could have been a positive thing for me. Now it's turning into a nightmare and ruining my credit incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$330.00} ), XXXX XXXX  XXXX Opened XXXX. XXXX, XXXX, Balance {$500.00} ), XXXX ( Opened XXXX XXXX, XXXX, Balance {$280.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$1000.00} ), XXXX XXXX ( Opened XXXX. XXXX, XXXX, Balance {$990.00} ), XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX, Balance {$1000.00} ), XXXX XXXX XXXX Opened XXXX XXXX, XXXX, Credit limit {$1300.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I was taken aback to see inaccurate information appearing on my credit report today without any warning. I checked my credit report as I always do, but this time there were unexpected errors. I tried refreshing the browser to see if it was just a temporary glitch, but the false accounts persisted. Because of this troubling problem, I request a comprehensive review of the documents Ive submitted to eliminate any future concerns.
Product: Debt collection

Hey I have been paying this company XXXXXXXX XXXX  a month since XXXX. They have not settled any of my debts were sole even went to collectors. I wrote them to give me a full refund so I can enroll in a better debt collecting program and they only are trying to refund me XXXX XXXX  which is insane. I reach out they never help me take days to respond back and has been frustrating. Please help me recover my funds back to get to the right program to help me get out of debt please and thank you.
Product: Credit card or prepaid card

I have been with Discover for 26 years. My rate is a variable rate according to all statements but the rate has never adjusted. It has been 29.99 % for years and everytime I call or message them they inform me they can '' t lower it. I have received not explanation other than that. Over the years the Fed has raised and lowered rates but there is never an adjustment to my rate which I believe is unfair considering I haven't been late in over a decade. I just want fair treatment like my other variable rate cards and a proper explanation as to why my rate never adjusts considering the currently rate to them from Fed is 0 %.
Product: Credit card

Dear PayPal Credit Financing by Synchrony, I am writing to express my deep concern and dissatisfaction regarding the abrupt closure of my PayPal Credit XXXX account ending in XXXX. I was not notified of any issues with my account, including any alleged late payments, and I have consistently made payments on time. Despite my attempts to resolve this matter via phone, I was left on hold for more than XXXX hours without a response, which has added to my frustration. 

I believe this account closure violates my consumer rights as outlined under federal law : 15 U.S.C. 1681, Section 602 ( Fair Credit Reporting Act ) My right to privacy regarding my credit information has been disregarded by failing to provide appropriate notice or justification for the account closure. 
15 U.S.C. 1666B A creditor may not treat a payment under an open-end credit plan as late if payments were made on time. My payment history does not indicate any missed or late payments.

15 U.S.C. 1681, Section 604A, Subsection 2 My account closure may have resulted in unauthorized or inaccurate reporting to credit bureaus, which I did not consent to. 
This situation has caused unnecessary inconvenience, stress, and potential damage to my credit profile. To address this matter, I request the following : A detailed explanation of why my account ending in -1739 was closed without prior notification.

Confirmation of my payment history to verify that all payments were made on time.

Assurance that no adverse credit reporting has been made as a result of this account closure. 
If applicable, reinstatement of my account and correction of any errors related to its closure. 
The lack of communication and responsiveness from your customer service team is unacceptable. I respectfully request a written response within 14 days of receipt of this letter. If the issue remains unresolved, I will be compelled to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies. 

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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX XXXX XXXX XXXXXXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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

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

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXperian statement of facts { 1 } I am not a credit repair company I am the furnisheralleged legal owner, consumer { 2 } statement of fact XXXX / XXXX   XXXX does not own this account you are falsely reporting on my credit report. In fact under the law I own the alleged account showing paid in full REMOVE THIS ALLEGED ACCOUNT I LEGALLY OWN. XXXX stated to the CFPB that they do not own this alleged account XXXX  does not own this alleged account I do Do your home work if XXXX got paid by another company they would own the account but If it shows paid I legally own the alleged account eather way XXXX XXXX my alleged debt is paid and I own the rights to the alleged account, ASk your lawyer enclosed are your statements, and XXXX statement to the CFPB, also as the alleged owner of the debt remove it at once. your credit manipulation on consumers need to be challenged. 
XXXX first furnisher { 2 } { sale to XXXX } new furnisher { 3 } contract alleged sold back to me for payment THAT MAKES IT MY ACCOUNT as OWNER There is no statues difference between the three when sold { alleged contract bought back by consumer makin myself the alleged the legal owner
Product: Debt collection

This company is attempting to collect a debt that I do not owe and that I 've thoroughly disputed. In spite, these people continue to contact me to collect debt. They use automated dialers to call me at my place of employment, as well as on my personal cell phone, during my working hours. They 've gotten me in trouble at work ; as a result, I 'm concerned about my job status.
Product: Bank account or service

It is ridiculous that there are only XXXX ATM machines at this location yet XXXX of them is ALWAYS out of service & this location has a very large population of patrons therefore causing the lines to wrap around the street which is also dangerous as this area is very busy with traffic. I waited in line to use the ATM 30-45 minutes which is UNACCEPTABLE! Something must be done about this issue or I will take my business/money out of capital one bank & bank elsewhere. 

XXXX XXXX XXXX , NY
Product: Debt collection

Re : Complaint Against DEPT OF ED/AIDVANTAGE Account # : XXXX Dear CFPB Representative, I am writing to formally lodge a complaint against DEPT OF ED/AIDVANTAGE regarding the account referenced above. I believe that DEPT OF ED/AIDVANTAGE has engaged in improper and potentially illegal debt collection practices that have adversely affected my consumer rights and financial standing. 

Request for Documentation : I am requesting that DEPT OF ED/AIDVANTAGE provide the following documents : The original promissory note for the account. 
The original instrument of indebtedness that proves I owe the debt. 
Without these original documents, there is no evidence that I owe any debt to DEPT OF ED/AIDVANTAGE. Consequently, DEPT OF ED/AIDVANTAGE must cease reporting this account on my credit report. The continued reporting of this account without the necessary documentation constitutes an illegal action that is damaging to my credit score and financial well-being. 

Cease Reporting : In the absence of the original promissory note and the original instrument of indebtedness, DEPT OF ED/AIDVANTAGE is required to stop reporting this account on my credit report. Their failure to provide these documents and their continued reporting of this account are in violation of my rights under the Fair Credit Reporting Act. 

Given these concerns, I respectfully request that the Consumer Financial Protection Bureau investigate DEPT OF ED/AIDVANTAGE 's practices and take appropriate action to ensure they comply with federal laws and regulations. Additionally, I seek the removal of the incorrect collection entry from my consumer report and any other remedies that the CFPB deems necessary to rectify this situation. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my complaint.
Product: Money transfer, virtual currency, or money service

I'm writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. the CFPBs findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfers

WESTERN UNION 'S REFUSAL TO TRANSFER MONEY,, SENT COMPLETED QUESTIONNAIRE FOR REVIEW, NOT SATISFIED AND WANTED MORE UNWANTED INFORMATION, MONEY SENT ON XX/XX/XXXX FOR {$200.00} NOT TRANSFERRED AND NOT REFUNDED. 

XX/XX/XXXX : Transaction Date : XX/XX/XXXX XXXX ET, Tracking No : XXXX. 
Western wanted to complete a questionnaire. 
XX/XX/XXXX : Forwarded the completed questionnaire. 
XX/XX/XXXX : Western Union was not satisfied with the answers and wanted more supporting documentation, which I do not have or I am not supposed to provide. 
XX/XX/XXXX : Transaction No : XXXX for {$100.00}. Declined to transfer. Requested for transfer and it was refunded. 
Transaction No : XXXX for {$200.00}. Declined to transfer. Requested for refund. But as of XX/XX/XXXX, the money was not refunded.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX EXPERIAN CREDIT XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX EXPERIAN Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not
received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were
made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions.

If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter.
Product: Debt collection

Called company to ask for debt verification. Verification was mailed 15 after. With no return address or informations to send to dispute debt. Called again after receiving paperwork asking for Texas Surety bond information and collector refused to provide it. Asked for address to send dispute and collector hung up. 

Company Name : XXXX XXXX Phone number : XXXX Address listed on credit report : XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XXXX XXXX XXXX two student loans were added to my credit report. One amount of {$2900.00} and other amount of {$1700.00}. I have tried disputing multiple times with XXXX XXXX and XXXX but have had no luck. I took the steps to contact directly with the student loan company XXXX XXXX XXXX education ) but can't get ahold of a customer representative to discuss the fraudulent activity. I am also unavailable to acquire these account numbers and I need that information to move forward so I am able to report the fraudulent accounts. I would like to move forward to remove these loans from my account as it has and will continue to effect my credit report as well as affecting my ability to open other accounts. 

Thank you so much for taking the time to read my complaint.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act.

The list of accounts below has violated my federally protected consumer rights to my privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Has violated my rights. 

XXXX XXXX XXXX Account XXXX # XXXX, Has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Has violated my rights. 

XXXX XXXX Account XXXX # XXXX, Has violated my rights. 

15 U.S.C. 1681 Section 602A : States I have the rights to privacy.

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

15 U.S.C. 1681C ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of conversations of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX 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 or other personal consumer reports

The late payments do not align with my consistent payment history
Product: Vehicle loan or lease

When I purchased my car the only information that I was shown was the monthly payment. My monthly payment is XXXX, {$350.00} is going to pay the interest. My interest rate is 16.8 %. I have made 7 on time payments since purchasing my car and no one will refinance the car due to the loan amount of XXXX and the worth of the car being XXXX. I have contacted XXXX XXXX and they will not renegotiate or refinance the car loan. When the loan was proposed to me I was told this was the only company who would finance me and I had a co-signer. I was not shown the interest rate and only asked what amount I wanted to pay monthly. I told the dealer that since my rent was XXXX my car payment should be half of that. I was also told by the dealer that the car, a 2019 XXXX XXXX was the only car on the lot I could be financed for.
Product: Student loan

My daughter got a loan from Sallie Mae for her student dept. I co-signed with her on these two loans. Total amount of both loans were around {$7500.00}. XXXX XXXX she had a child. Her payment date was around the same time she was preparing to go into the hospital to deliver. Fast forward .... For 3 solid weeks, I have received harassing calls from Sallie Mae ... to the point of having four to six calls a day from three different numbers. I work nights and have to get my rest. i am an XXXX XXXX and work with XXXX that ranges from XXXX volts up to XXXX volts. She was only behind by {$100.00}. I finally got the opportunity to call SM and speak with them. I told them that I was not happy about them putting my life at risk by waking me up four to six times a day for {$100.00}. I sent them a letter back XXXX 2017 time frame requesting them to not call me, that by Ga law if I notify them in writing that my employer does not allow us to take personal calls while at work, they are not to call me. I told them that it is completely unacceptable to endanger my life for {$100.00}. I asked them if they felt my life was only worth {$100.00}? They were extremely rude back and I hung up. I contacted a lawyer on this matter and he advised me to file an official complaint for harassing phone calls against Sallie Mae here.
Product: Mortgage

On Friday XX/XX/XXXX I received a letter from XXXX  that they were turning the servicing of my account to XXXX XXXX XXXX d/b/a Mr. Cooper effective XX/XX/XXXX. The letter further states that XXXX   must notify me 15 days in advance of this transfer. The letter is dated XX/XX/XXXX which is 13 business days prior to the XX/XX/XXXX transfer date. If they created the notification on XX/XX/XXXX and then mailed it its not possible that I would have even received it within 15 days of my transfer date.
Product: Mortgage

I have a Fremont Investment and Loan CoXXXX originated loan that has been through the hands of multiple companies. I have not been able to resolve this account with current company Ocwen/PHH Mortgage/XXXX  .
Product: Vehicle loan or lease

The vehicle was discharged through my bankruptcy, however, it is still reported as negative on my credit report for XXXX.