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

I spoke with the store manager XXXX was rude and disrespectful did not want to listen to when I was going to be able to make a full payment just kept trying to over talk me when I called management her direct supervisor they did the same thing so it show there company values are bad very poor cusyomer service skills told them not to contact my phone and they continue to do so daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company continues to violate the XXXX  Finance Code by not providing a surety bond for nelnet or themselves. As such, I am seeking legal advise from XXXX XXXX XXXX XXXX to legally pursue this matter further. The finance code is very specific and both companies continue to violate it. 

This company has repeatedly failed to provided their right to lawfully collect in the state of XXXX. They are required to get a surety bond. No one had provided this which is required under the XXXX Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state. XXXX  Finance Code 392.202 and 392.101 This company is headquartered in the state of XXXX. I am a XXXX resident. This company is fraudulent and illegally collecting in the state of Texas. I also do not show this credit bureau has a valid surety bond to collect in the state of XXXX. Nelnet hasn't produced info. 

I want this removed from my report immediately. I want the {$10000.00} fee paid for each day this continues to remain on my report per the code. 

I have failed a complaint with the XXXX Attorney General 's office. Attached is the complaint for both companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to inform your company as well as the 3 major credit reporting agencies that my identity has been lost & comprised and it's causing not only me my reputation but it has completely destroyed my credit file. I'm demanding that the following unauthorized & unknown accounts be blocked & removed from my credit file. This obviously happened sometime during my XXXX. I'm also requesting that the 3 major credit reporting agencies provide me with The Method of Verification in physical form, the agent name and title inwhom conducted the investigation, the time and date inwhich this data was collected. Also please send me certified documentation of any fact findings. Please block & remove these fraudulent accounts : 1 ) XXXX {$1100.00} 2 ) XXXX XXXX XXXX {$240.00} 3 ) XXXX XXXX 4 ) XXXX Formerly XXXX 5 ) US Dept of Education {$7500.00} 6 ) US Dept of Education {$4300.00} 7 ) US Dept of Education $ O 8 ) US Dept of Education {$0.00} 9 ) XXXX XXXX   {$21000.00} 10 ) XXXX XXXX XXXX XXXX {$6000.00} 11 )  XXXX XXXX XXXX XXXX  {$63000.00} 12 ) XXXX XXXX XXXX XXXX  {$20000.00} 13 ) XXXX XXXX XXXX XXXX   {$42000.00}
Product: Vehicle loan or lease

On XX/XX/19 I refinanced my auto loan with a new credit union and had the 10 day payoff amount, and they distributed a check for the full amount of my auto loan {$44000.00} to Wells Fargo. After a few collections calls from Wells Fargo demanding a payment I started to research what was happening. XXXX XXXX confirmed they distributed the funds XX/XX/19 and began an investigation with both XXXX XXXX and Wells Fargo. On XX/XX/19 Wells Fargo informed me that if I didn't make a payment that day, they were going to report a late payment on my credit report. So I reluctantly made a payment of {$710.00}. 
On XX/XX/19, XXXX XXXX informed me as they were going to cancel the original check and write a new one, Wells Fargo told him " we found it, no need to do that '' and the account was satisfied. 
Upon receiving my refund check for the one payment I made for {$490.00} charging me interest while they held the check. I called and complained and demanded the {$220.00} to Wells Fargo, they opened an investigation and I was informed they weren't going to do any more actions.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>XXXX XXXX XXXX XXXX XXXX reported that I owe a balance of {$750.00} to XXXX  XXXX XXXX. I would like to bring to your attention that this information is incorrect. The balance in question has already been paid off, and I have documentation to support this fact. 

Enclosed you will find the billing statement from XXXX  XXXX Showing a XXXX XXXX. 


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

On

XX/XX/XXXX, XXXX/PYP add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX  ( The report does not include information about the creditor. ) and XXXX. On XX/XX/XXXXXXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX  on, XXXX ( The report does not include information about the creditor. ) and XXXX.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX refuse to delete an item that the collection closed after investigation by CFPB Complaint XXXX XXXX XXXX 
XXXX XXXX XXXX closed the dispute and are not attempting to collect but still report past due to the XXXX bureaus every month. 
This adversely affects my score. There are no late payments on my credit report except for this but my score is poor. Its the collection that is the only derogatory. 
I can not afford {$440.00} to pacify dishonesty. The original fraudulent charge of {$120.00} was dismissed by the original creditor XXXX XXXXXXXX XXXX but exactly a year later sold it to collections who now want {$440.00}. 
Please help again Thank you
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a voicemail from XXXX XXXX with XXXX XXXX XXXX ( XXXX ) today regarding a 2002 credit debt. I was informed by XXXX XXXX that I was in danger of being sued in civil court if I did not pay the {$6000.00} debt or in the alternative, pay {$2000.00} as a settlement but in monthly installments of {$290.00}. The woman had the last four of my ssn, my birthdate, my current address, and had also called my mother and father.

I was emailed legal documents to sign via Docusign and this made me suspicious. I shouldve followed my instincts sooner and could kick myself for paying these creeps {$250.00}.

After researching the firm, I discovered that their address leads to a XXXX store in California and this was another red flag. I read other peoples similar experiences and they mirrored mine. I emailed them back to never charge my card again, that I would not be signing any documents, and that I contacted my attorney. Be very cautious with people like this. They will use your personal information and legal threats to get your money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Westlake Financial Services, a Company base out in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have made several dispute on false credit report on my account and some deleted or resolved and I was pleased with the out come. 
I noticed that my credit score which was XXXX has dropped suddenly from to XXXX upon checking my report on XXXX, I noticed that Westlake Financial Services has falsely reported that I made late payments in XXXX and XXXXXXXX XXXX XXXX  meanwhile this loan was paid off on XX/XX/XXXX with a check. When I disputed report, the company resolved the issues by correcting the deleting the on fair report. Even though the damaged was already done but I was satisfied. A week later, this same company again reported that I did not pay my XX/XX/2022 installment payment and my account was passed due for 72 days. This was again false information. For the particular dispute about late payment in XXXX XXXX XXXX, I disputed it 4 times through XXXX and spoke with Westlake Financial Services more than XXXX times and some of them assuring me that it will be corrected. I have explained to this company that, the report was hurting my plans to get a home for my family. The same month in XXXX, I paid toward my loan on XX/XX/2022 which is evidence in the statements you will find attached. I have made successful payments for more than 2 years without 30 days pass due. Yes, I was not paying on time but I made sure the payments were not 30 days pass due. 
I have the data and the record to support my claim. I called this company several times on XX/XX/2022 missing my classes for more than five hours to obtain information on how to file a complaint about the company and spoke with two managers and 6 regular employees and none was able to give me the information I needed. They hung up the phone pretending to transfer the calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Product: Credit reporting or other personal consumer reports

My account with SELF XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


SELF FINANCIAL/LEAD BA ever Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Bank account or service

In XX/XX/2013, 2 insurance checks ( total of XXXX ) were cashed at the XXXX of Wells Fargo without my knowledge nor my authorization. Their Bank Manger cosigned for the checks to be cashed and the money dispensed.
Product: Credit card

I called the U.S. Bank for multiple times for a reversed charge of {$78.00} by XXXX on XX/XX/23 I previously disputed but without success. I was confirmed by the U.S. Bank on multiple occasions I was fully charged by XXXX, however, XXXX suspended my account and notified me I had to pay another {$78.00} because they never received my payment. On XX/XX/23, I talked to a representative called XXXX from the U.S. Bank with the call confirmation number XXXX regarding this matter and was told the U.S. Bank would send over a letter directly to XXXX confirming I was fully charged by XXXX already. Later on, I contacted XXXX and was told again they never received my payment of {$78.00}. On XX/XX/23, I called the U.S. Bank again and talked to ( 2 ) different supervisors from the U.S. Bank, XXXX ( I can't remember clearly ) and XXXX with my case number XXXX. They both confirmed the case processor from the U.S. Bank would give me a call on Monday XX/XX/23 between XXXX Eastern time to make sure they send the funds to XXXX, however, I never received a call from anyone from the U.S. Bank. So the U.S. Bank keep my money in their own pocket without sending it to XXXX for almost two months now since XX/XX/23 I got charged back as shown on the attached of my credit card account record. Due to the negligence and corruption of the U.S. Bank, I was the one suffering from the consequences of this unprocessed charge of {$78.00} I already paid in full. I am requesting for an investigation on the U.S. Bank because they are corrupt and did not treat their customer with honesty and respect. They didn't do their job and fulfill what they promised me their customer what they were going to do. They did not send me or XXXX the confirmation of my charge of {$78.00}. They did not process the payment of {$78.00}, which caused my XXXX account to be suspended and XXXX have kept asking me for a duplicate payment of {$78.00} since then.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The 3 Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : XXXX
Product: Debt collection

They are trying to collect an erroneous debt from me while erroneously reporting it to thy credit bureaus. This is a violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly a current balance due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and should be reporting a {$0.00} balance. XXXX  is reporting correctly on this account. I have attached a copy of payment statements to XXXX XXXX. This false reporting of a balance due is harming my credit report and these line items need to report accurate information. I have contacted the ( 2 ) bureaus to resolve this however, I have not been successful.
Product: Debt collection

On XX/XX/XXXX, I received an offer from Transworld System Inc to settle debt of {$9400.00} for {$2000.00}. Prior to accepting the offer, on XX/XX/XXXX, I spoke to a collections department representative of the XXXX XXXX XXXX XXXX XXXX XXXX ( original creditor ) who verified the offer but instructed me to contact Transworld. On or about XX/XX/XXXX, I spoke with XXXX XXXX of Transworld Systems who also verified the offer of {$2000.00} to settle the account in full. On XX/XX/XXXX, I withdrew a cashier 's check for the offer amount and certified mailed it along with the Transworld offer letter and a letter requesting notification of closed/settle account ( Please see attachments ). On XX/XX/XXXX and XX/XX/XXXX, I spoke to XXXX XXXX, and on both calls she indicated that Transworld has posted the payment to the account, and I will receive a closed account letter in 5-7 days. On XX/XX/XXXX I did not receive the closed account letter that XXXX XXXX stated. But instead, Transworld sent me another offer letter dated similarly to the first offer letter, dated XX/XX/XXXX, in the amount of {$7600.00}. Both debt letters are dated XX/XX/XXXX. 
I spoke with XXXX XXXX on XX/XX/XXXX at XXXX who stated that to disregard the letter and that the closed account notification letter was mailed from Transworld XXXX XX/XX/XXXX, and that I should receive it soon. On XX/XX/XXXX, I called to Transworld Systems again at or about XXXX and spoke to XXXX XXXX XXXX in error offer letter that I had received on XX/XX/XXXX for {$7.00}, XXXX. XXXX XXXX verified that I paid the {$2000.00} and that the debt had been settled and the account closed. She also stated that I should receive my closed account letter absolving from the and that it went out on XX/XX/XXXX. To This very day I have not received the letter promised by Transworld Systems absolving me from the debt.
Product: Payday loan, title loan, or personal loan

On XX/XX/22, I was emailed an invoice from XXXX for {$490.00}. I had trouble figuring out what to do and felt that this was an attempt at fraud.
Product: Credit reporting or other personal consumer reports

Companys are misusing my credit report without my consent I believe they r stealing my information and selling to others I need theses items dispute and remove totally off my credit report under false information without any proof provided by me thats was unauthorized by me Like inquirys and any debt collections XXXX XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX
Product: Debt collection

I recently called to ask Chase bank why they reported to the credit Bureau that I was 30 days late on a payment that was already paid off. When I called I got this info : They showed that on the XXXX of XX/XX/2019 I was very late on my bill and owed XXXX to bring this balance down to XXXX and be finished with the bill. I paid that amount on the same day the XXXX to being it to XXXX. 

THey say that I tried to make another payment for {$250.00} later that same day and in a few days that came back as a return payment. 

The man on the phone stated to me that if the payment went through then it would have meant that I had a credit on my account for XXXX since I didnt owe anything. 

They updated my account with charges and late fees from the return payment that I had no idea of since I thought I paid off the entire amount. They reported to the credit Bureau that I was 30 days late for not paying what accrued to be {$56.00} The guy representing Chase agreed with me that they were in the wrong for charging me the fees and said they would remove them. I still have {$2.00} in the negative that they are saying that i owe in the mobile app. 

Additionally, because they reported me being late my credit score dropped 51 points. When I called back to ask if they can report that they made a mistake they said I would have to do that on my own. I think that's XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.,
Product: Mortgage

I was trying to get a loan with Cityworth Mortgage in order to purchase a house. The process was about 3 months. Over those 3 months, I had to provide the same information various times and in the middle of the process, the loan officer left and we received a new one which caused even more work for me. They postponed the first closing date and then on the second date, they called two hours before the closing to let us know that the closing wont happen.

they should not do that, and this company should be offering loans to people. 

I lost money and time, the realtor doesn't want to refund the deposit money, i put XXXX dollar down, and they don't want to refund this.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX from Carmax in XXXX of XXXX. I have made payments, sometimes late but I have caught up when finances allowed, for the past almost 3 years. I recently was caught up with medical issues that caused my finances to be stretched as well as we had a loss in our family and have been going through very tough times. I have made payments, while not at the full past due balance, I have at least paid what the standard payments were. On XX/XX/XXXX I attempted to make a payment and Carmax refused to allow me to make the payment online or through the app so I was forced to call in. I called Carmax on XX/XX/XXXX and I was met with a very disrespectful and unempathetic employee who proceeded to tell me that the car was up for repossession. I received no notice of this and advised her of this. She states they mailed letters but that they came back returned. My wife is home and gets the mail everyday and never once was given a certified letter to sign for. We also have security cameras and the mail delivery person never brought a letter to our door. The employee didn't care and refused to so any empathy when I explained our financial issues. We are a one income family as my wife is unable to work. The employee continued to tell me that all they can do is take a payment of $ 270+ and give me 14 days to pay the rest or the car will be repossessed. I begged her to see if there was any other option as I do not even have {$200.00} to my name. She refused to offer any assistance and said that her word is final. This has caused me stress to the point that I am currently speaking with the suicide hotline because she has made me feel like I am a failure and that there is no hope. I struggle with XXXX and have had a past in XXXX   thoughts and this is the closest I have ever been to crossing the line thanks to Carmax Finance 's employee. All I am asking is for a little compassion and help. I will get caught up once I receive the funds to do so. I am just asking for some help. I want to pay for the car and am willing to do so but I just need a little help until I can get back on track. Carmax refuses to assist. Carmax does not care.