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

I received a loan for {$1000.00} dollars on XX/XX/2021. However, the loan documents was not received until one month later. Once, I receive the document I saw that the interest rate too high but called and asking what will be my payout their told me additional {$930.00}. I told them that was too high and I will file complaint against unfair interest rate. However, I did not know this a payday loan I thought it was banking institution.
Product: Bank account or service

I received a XXXX from the IRS stating that I did not report {$1000.00} of income reported on a XXXX from Bank of America. 
Account number as reported by IRS is XXXX I was never mailed a XXXX, I do no income producing business with Bank of America, my only account with them is a credit card which is current, never late, and has not shown any credit to the amount of {$1000.00} for any reason, and when I call BoA to try to figure out what this is for, I get run around from department to department, and nobody can tell me WHY I was issued a XXXX, only that I was. 

I 'm now being charged interest and penalties by the IRS for this, and BoA does n't seem to care or be able to tell me why I was issued a XXXX, which strangely never showed up at my house in the mail.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer XXXX credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Experian credit reporting agency XXXX XXXX and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few XXXX credit card accounts. 
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 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 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 These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I tried to file chapter XXXX after my husband died and I was struggling. When it came down to meeting the mediator judge type person they tell me they are using my house as collateral.i had not been told this prior to this point. I hit the roof and said no no way cancel this I'm not doing it I could get hurt tomorrow and not be able to pay and loose my house. So as far as I was aware it was cancelled. I found out in XXXX that all the debti was including was not only returned to my credit report but it reopened them and the calls started. Well I went thru and got the original cases closed and was just going to deal with the negative remarks on my credit thinking I couldn't do any better. But now I have what looks like new accounts in large amounts on collection accounts and they are the original creditor. I also have a dismissed bankruptcy listed on my credit that is stripping me from being able to rent any place to live. That Bankruptcy I cancelled should not be on my credit as dismissed or any other status unless I failed to complete the terms of a case I filed which is not the case I cancelled this myself before it was ever completely filed. I feel this is unfair to my ability to get a proper place to live and being on social security now my options are already limited to begin with I don't need anything else against me after the last 7 years I've had please help remove this bankruptcy and check the recovery accounts against original debt with XXXX XXXXXXXX and XXXX those accounts were closed and written off before now they've been sold and reopened starting my failures all over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, My Name is XXXX XXXX and Ive been a victim of identity theft. Although I cant discus the case I can say Ive been reporting an account that was open with my information to get a phone line back in XXXX, This individual know my Social security information and ID to open a XXXX account. Ive been trying to dispute it with XXXX for months now and they still have yet to remove it. XXXX removed it when I told them it was identity theft. Its fraud and I would love your help to speak to XXXX XXXX to delete the account which does not belong to me This is a ongoing investigation. And therefore I cant talk much about it a police report was filed and I am working with the XXXX in XXXX right now. And the XXXX XXXX XXXX. I have business cards and also the case number but unfortunately because its a homicide they arent giving police reports. But the case number was provided XXXX. Case number subject to change Because the case is in XXXX XXXX cant give much details
Product: Money transfer, virtual currency, or money service

Our was texted and then called on XX/XX/XXXX by chase numbers ( which I XXXX  before responding or answering to ). I was told that there was a fraudulent transfer happening through my XXXX ( which I have set up through chase ) and in order to reverse it, I had to fake send my money to a number that was supposed to be my claim number. The transfer was supposed to be say declined once I sent it to the claim number. Little did I know, I was legit transferring money to people who were not chase even though the numbers matched. I contacted Chase on Monday XX/XX/XXXX, & & was told that it was not actually them who called. They said they needed to investigate & 5 days later I was told they would not help me because technically I authorized the payment. I spoke all the way up to the supervisor who basically told me Chase refuses to do anything about scams. She spend over XXXX minutes giving me examples of other people who lost money through a scam which was 100 % unhelpful. I was told by her that not even the police could help me. The representatives made it seem like it was all my fault and not even the highest Chase representatives could help me either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries that I did not approve. I submitted a complaint and the inquiries are still in my report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were Never authoritized XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 Student loans from XXXX XXXX XXXX XXXX were re-financed with a private lender, XXXX. 
XX/XX/2019 In reviewing my account with XXXX  I noticed a balance for {$180.00}. When I called and inquired about the balance I was told that I owed that amount and that it was 2 months past due. The representative informed me on that call that the balance should have been paid by XXXX, but it was somehow missed. I proceeded to pay the {$180.00} balance in full and now the loan is paid off. 
After the conversation with the Representative ( 2-3 days later ), I received credit alerts and notifications via email stating that my XXXX loan was reported 2 months late. Confused by this, I contacted XXXX again and I asked for a goodwill gesture of removing the late payments from my credit report because the oversight was made by XXXX ( private lender ). XXXX refused to consider removing the late notices. The two late payments dropped my overall credit score and rating by 87 points with all 3 credit bureaus. I take issue with this because ( 1 ) XXXX  failed to contact me by mail or phone to collect or notify me of the late payments which would have given me the opportunity to pay the balance immediately. ( 2 ) The late payment notices didn't show up on my credit report until AFTER my phone calls to XXXX. ( 3 ) XXXX is the responsible party in this incident, but because I've paid the loan off, they can not do anything on their side.
Product: Money transfer, virtual currency, or money service

Im 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 resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience as well as financial loss, and I seek appropriate redress for these violations mentioned.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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

This Company is NOT reporting my Payments I'm making on my loans.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

TRANSUNION XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, 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 XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX 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: Student loan

On XX/XX/XXXX, I spoke with a SallieMae representative to inquire about managing my loan payments due to financial hardship. During this conversation, the representative assured me that I could switch to an interest-only repayment plan ( XXXX  ) and, if needed in the future, apply for forbearance without any issues. 
Relying on this information, I agreed to the interest-only plan, believing it would provide temporary relief with the option to seek forbearance if my financial situation worsened. 
However, on XX/XX/XXXX, I contacted SallieMae again to request forbearance as my financial situation has become more challenging. This time, a different representative informed me that I am ineligible for forbearance solely because I had switched to the interest-only repayment plandirectly contradicting what I was previously told. In reviewing the terms emailed to me, it only explicitly states that ineligibility for forbearance lasts for the XXXX  month period following the end of the XXXX period. There is no mention of an inability to change between the repayment plans. I contacted SallieMae once again on XX/XX/XXXX, and was given the same response. 

I spoke with a manager on XX/XX/XXXX and was told that I was not given fully correct information during the XXXX discussion. She explained that I can contact collections XXXX  days following my bill due date and would be offered other options for repayment. I did so on XX/XX/XXXX and was told that they could not offer me anything and they immediately asked me to pay my bill. 

Why This Is a Problem : Misleading Information : I made a financial decision based on assurances from SallieMae that turned out to be false. 
Unfair Practices : The denial of forbearance was not disclosed as a potential consequence when I agreed to the interest-only plan. 
Lack of Transparency : I was not provided with clear, consistent information, which has resulted in severe financial hardship. 

Moreover, this mirrors a XXXX lawsuit on XXXX for " [ steering ] struggling borrowers toward paying more than they have to on loans '' and " [ obscuring ] information consumers needed to maintain their lower payments. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX inquiries on my credit report that I did not authorize, I do not have a connected account, and I did not apply for any products with these companies. These items are as follows : XXXX XXXX Bank XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Inquiry I have no credit cards , credit lines, Automobile loans, or any association with these inquiries.

I am writing to demand the removal of inaccurate information from my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) Section 609. 

Upon reviewing my credit report from your bureau, I have noticed the following inaccuracies : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX-Inquiry As you are aware, the FCRA mandates that credit reporting agencies investigate and correct any inaccurate information within 30 days of receiving a dispute. Therefore, I kindly request that you conduct a thorough investigation into the disputed items mentioned above and take appropriate actions to rectify these inaccuracies promptly.

Please provide me with written confirmation of the resolution and the updated credit report once the investigation is complete. If you find any discrepancies to be accurate, I request that you provide me with a detailed explanation of your investigation 's findings.

I am exercising my rights under the FCRA to ensure the information on my credit report is accurate and up-to-date. I expect you to comply with the law and carry out this investigation with the utmost diligence.

Thank you for your attention to this matter. I trust that you will handle this dispute promptly and professionally. If necessary, I am prepared to take further actions to protect my rights as a consumer. 

Sincerely,
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp due too inadequate customer service and unfair practices which violates the consumer financial protection act. Specifically cashapp 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 regulation E. These actions have cause significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Checking or savings account

I have a personal & business checking account with Suntrust. I attempted an external transfer and was expecting the transfer to be pulled from my personal account & not the business account. The last 4 digits both include a XXXX and a XXXX for both accounts and from my external bank it only said Suntrust so it was not clear which was business or personal. I was charged a {$38.00} fee. I called a local branch near my house and the banker told me I'm allowed 1 fee refund per year and she told me she was refunding the {$38.00} to my account. I have never asked Suntrust for a fee refund in my entire lifetime. I have not seen the refund so I was lied to and I'm not happy about have a business & personal checking account with this bank and being lied to about policies and refunds. I expect the bank to honor the fee refund as I was told this on the phone by their own employee.
Product: Debt collection

Provide a wet signature and original copy of the agreement. Provide proofs that you are Licensed to collect debt for theState of Washington. Provide all receipts of payments and letters for missed payments.
Product: Mortgage

We refinanced with XXXX  XXXX, and our loan was sold off to XXXX XXXX XXXX. Our first few payment were processed normally, but our XXXX payment has been misplaced or some such XXXX. we insisted the payment was made, and finally were told the account number had been changed from the account we were paying to through XXXX XXXX. They said that we were responsible for the payment since they had to history of the payment being received. We provided our bank statement showing the payment had been paid on XX/XX/19, and we provided a proof of payment generated by XXXX XXXX. They are saying it will be applied to XXXX but could take 3 to 4 weeks! My main concern is IF this sorted out, are they going to adjust my interest accordingly, or am I going to end up paying more interest than I should, and are they going to correct the credit reporting to show the payment was made and not missed. The loan officer, XXXX XXXX from XXXX XXXX   told us to file the complaint with CFPB to make sure everything gets sorted out properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX XXXX is nor updating my fico score. It's been. Stuck with same s ore since XXXX and up to today its still not moving
Product: Credit reporting or other personal consumer reports

I paid off my {$600.00} credit card with XXXX  XXXX about a year ago, around the same time that I paid off my {$800.00} credit card with them as well. Once paid off, I never received confirmation of it, then less than a month later, they charged off the card that was already paid off. I had already requested that they close it once paid. A year later I have a balance of {$1800.00} something dollars on this card on my transunion and XXXX, however my XXXX  says that the balance is {$0.00}. I already contacted the company about it, and they did nothing. They claimed that ALL of my payments didnt go through. I did try to pay it off using my XXXX debit card twice, however mg bank wouldnt let it go through. So I then used my other debit card and paid the remaining {$300.00} something balance on it, bringing the account to {$0.00}. 
I want this off my credit now.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX - XXXX
Product: Debt collection

Portfolio Recovery Associates has continuously sent a XXXX  XXXX billing statement listing transactions of the XXXX XXXX instrument/product sold to me by XXXX  XXXX. Stating the billing statement is the assignment of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX complaint XXXX-XXXX  was submitted through CFPB for 2 unauthorized inquiries from XXXX XXXX from dates : XX/XX/XXXX, and XX/XX/XXXX with Experian. XXXX answered that was going to them off, on the answer to CFPB. The Credit Agency neglect to take the inquiries off, even showing the answer from the Bank, and answer me that the Bank needs to take them off. Please act according to the answer submitted to CFPB, on your previous answer
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill. and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

Timeline of Events Regarding Affirm Issue : XX/XX/XXXX : Promised Goodwill adjustment by Affirm due to hardship. 
XX/XX/XXXX : First outreach to Affirm leadership regarding unresolved issue ( Case # XXXX ). 
XX/XX/XXXX : Consulted about creating a social media post regarding Affirm issue. 
XX/XX/XXXX : Public social media post highlighting unresolved issue and tagging Affirm. 
XX/XX/XXXX : Followed up on public post, prepared further tweets addressing the tone-deaf response. 
XX/XX/XXXX : Shared intent to escalate with CFPB if no action is taken ; final private outreach to Affirm