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

I applied for a loan through regional finance the beginning of last month. Upon arriving to sign my loan I witnessed employees cursing, singing, horse playing, verbally communicating other clients private information such as their social security numbers and credit scores aloud in the office while I was sitting there. I also witnessed several other client applications with personal information unsecured all throughout the office, social security numbers were exposed along with all other personal information. After leaving I was told that the employees were badmouthing me, stalking me on social media, and looking up my home address on XXXX They also made XXXX comments about me. I was also told the same things happened to a lot of other customers and they expose their private information regularly. 
I was lied to about the process and the amount I was financing. I was also told additional insurance was not optional and I was forced to purchase it. I was told auto pay was set up and the manager said I dont care, not my problem. I was lied to about that. 
I called to escalate the concern and was treated with extreme disrespect. My concerns were deflected and not addressed, the lady I spoke to tried to invalidate my concerns, she wouldnt listen to me then got combative. She spoke over me the whole time in a very hostile manner, she did not offer me a resolution and told me my complaint was just hearsay and she refused to address it. She disrespected me and my position. Then at the end of the call she yelled the whole time, refusing to let me speak, then hung up on me.
Product: Checking or savings account

- On XX/XX/XXXX of XXXX my bank card was charged with unauthorized transactions of {$5900.00} at XXXX store located at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. And & {$600.00} was withdrawn at Chase bank ATM. Ive contacted the bank same day and the restricted my account and they stated that there will be a refund for the unauthorized transactions. Couple days later the filed claim was closed and no credit was received. I called the bank again and they informed that this case is closed because my card was used meanwhile my card was in my possession and i did not authorize any of these transactions. I received an email from chase asking me to confirm or deny the transaction but I declined it but they still processed the unauthorized transaction. 

At the time XXXX have swapped my number to someone else without me knowing about this, my phone services were off and i was unable to access my XXXX and bank account.
Product: Credit reporting or other personal consumer reports

I asked Experian to delete fraudulent information on my credit report being reported by a financial institution as incorrect. When I contacted Experian about the issue, Experian gave two separate institutions information about me and now I have three different items on my report that are not mine. I need these taken off because that information is unnecessarily bringing my score down.
Product: Credit card or prepaid card

I was disputing XXXX service from a Mechanic Shop. They did not do any services in my vehicle but claimed they did. I submitted all the documents they asked for. They advised me on one occasion that I did not need to submit any more documents and that my claim was awarded to me. They credited my account but now they are saying I did not submit the paperwork on time. They denied my claim after they ruled in XXXX  favor. Second opinion from other mechanic has confirmed XXXX that no services were rendered to me.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft i have attached my documents please see
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There is wrong information appear in my report. I demand to see verifiable proof of the accounts you listed  XXXX   XXXX  CT NJ  XXXX  -  XXXX   XXXX  Account #  XXXX    XXXX   Account #  XXXX  ''  XXXX   XXXX   XXXX  Account #  XXXX    XXXX    Account #  XXXX  ''
Product: Credit card or prepaid card

I have 6 synchrony accounts never paid late- never missed a payment- never got a check bounced, been using all my cards and paying them down. 3 days ago they closed all my cards and said it was a Risk of me paying. How did they get the assumption if I never paid late. I am currently working. I pay all my bills on time- mortgage never late- car note never late- I was truly embarrassed when I went to use my card at Lowes and they said my account was closed. This is not how to do business nor how they should conduct business, they could have frozen my accounts for a short time not to use them if that was the case.
Product: Mortgage

We received a public email today showing our home being in pre-foreclosure. I have no knowledge of this matter and even contacted my mortgage company ( XXXX ) and asked if my loan had a second attached to it and was told no and that we are in excellent rating no missing payments. The trustee I guess representing the bank filed this pre-foreclosure and referenced a DEED OF TRUST signed in XXXX. We have never been notified regarding a default and thus never thought we had any outstanding payments.The debt as such was being reported as account closed and ( " WRITTEN OFF ) BY XXXX XXXX XXXX Now there is a substitute trustee representing some company Specialized Loan Servicing LLC? / XXXX XXXX, ( out of business also ) We have never hear of this company or that we owe the {$73000.00}. We do not know who this is and we have never been contacted regarding this amount. The original loan was in XXXX and shortly afterward the company XXXX went out of business and we noticed that the second mortgage was listed as written off. It does not show on any of our credit reports and has not for quite awhile ( XXXX ). We never heard anything else.I am sure we are the victims of a XXXXXXXX XXXX since the equity in our home is now more than doubled. How do we stop this action and to my knowledge AZ has a statue of limitations of 6 years regarding contract mortgage debts after they reach the date of maturity ( XX/XX/XXXX ). How can someone just show up and say they have the authority to file for pre-foreclosure and even the primary loan company has no knowledge? We have had no previous contact with any of the companies listed in this complaint and there has never been any attempt to notify us of any impending action until the pre foreclosure notice. XXXX does have regulations regarding providing notice to borrowers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. The fraudulent account consist of a US Bankruptcy Court XXXX XXXX  account opened on XX/XX/XXXX under the account number ( XXXX ), I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to this item cease pursuant to my rights within the FCRA and FDCPA laws. 


What happened ( statement of pertinent facts ) : Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a US Bankruptcy Court XXXX XXXX  on XX/XX/XXXX an under the account number ( XXXX ), The account has resulted in a fraudulent collection appearing on my consumer XXXX credit report. I do not recognize the aforementioned account the collection, as reported. The aforementioned account, collection, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account, collection, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal trade Commission that all of the aforementioned consumer credit account, collection, are the result of identity theft and fraud. 

What would be a fair resolution to this issue? ( Demand for relief ) : I request, pursuant to FCRA 6 6058 ( 15 U.S.C. 6 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ).
Product: Bank account or service

Opened a merchant account with Wells Fargo years ago, however, was not expecting the myriad of fees to follow to include a {$10.00} fee for not checking my account online monthly, a {$25.00} fee for non-compliance although I stopped using their service in XX/XX/2016, and a {$35.00} minimum fee whether I process transactions or not. Was recently told that the cost of canceling this account is {$500.00} which I do not have. Their service is also extremely complicated and redundant as I have to log into several seperate sites to maintain my account ; compared to the other third-party service that I currently use which is much less costly and a lot less complicated. My business checking account is currently overdrawn because of the {$25.00} non-compliance fee ( and subsequent NSF charges ) that they recently added, then took away, then added again although I do not use their merchant servvices. I was leaving enough funds in my account to cover the {$20.00} basic ( agreed upon ) merchant services fee, however, they have de-activted my debit card preventing me from making ATM deposits.
Product: Money transfer, virtual currency, or money service

I bought a large purchase on XXXX  the end of XX/XX/2021. I used my BOA credit card to pay for it online. I saved for it, so when the purchase showed up on my BOA credit card ending in XXXX. I paid the {$1200.00} purchase off. I used their app to make my payment. I use their automatic payment service. Every month to pay down my debt. They debit a set amount of {$100.00} each month on the same day. This was an extra payment I autherized on XXXX XXXX. A one time payment of {$1200.00}. 
On XXXX XXXX they again took another XXXX out of my checking acct. Unauthorized. Leaving my checking account with {$74.00}. 
I call BOA on XXXX XXXX telling them what they have done. Explained it was not authorized by me to take the money. Giving me a credit on my card of XXXX. They Basically stole {$1200.00} from my checking account. The woman told me it would be put under review and if warranted woud give me a refund. It take 3 day from start to finish to take my money from my checking account to there bank as payment. Its been 10 days since I called and I still have not recieved my money. I am racking up bank fees from bounce checks which is not my fault. With the technology that banks use to charge, add interest on purchases and debiting money out of our accounts as bill payments. Why does it take so long to give it back. When I called they saw the transactions instantly. 
I called again today XXXX XXXX only to get there is nothing they can do its still under review. 
How is this fair in any way? How is it that the consumer would be penalized if we missed a payment, under paid the minimum amount due, exceeded our credit limit, or just didn't pay at all by the credit card companies. But they make a mistake and they get to take their time correcting it without punishment. 
They also reporthed to the credit Bureaus that I had paid off my credit card after I called and complained they took my money unauthorized. How is it that my account is under review as of XXXX XXXX for a mistake they made but they reported that i paid it off in full? Sounds like they have no intention on giving me the money they stole from me or pay my bank fees. They're earning interest on money they stole from me while I wait in limbo to see if they are going to give it back to me. I want the interest they are earning as well. They get the interest on my unpaid balace. Whats fair here? 
We are living in a pandemic unprecedented times where people are out of work and struggling because of this pandemic. This is just another hit the consumer has to deal with that could of been resolved in a better and more timely matter
Product: Payday loan, title loan, personal loan, or advance loan

We applied for {$3000.00} loan about XX/XX/year> and been paying about XXXX a month we are being charged excessive interest to the point where there's no end in sight or impossible to pay i believe we have paid like XXXX times over for a car that not worth nowhere near XXXX $ it's just not fair we need help ASAP very stressful
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Not Authorized 2. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Not Authorized 3. XXXX XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Not Authorized 4. XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Not Authorized 5. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Not Authorized 6. XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Not Authorized 7. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Not Authorized 8. XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Not Authorized 9. XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX Not Authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance Owed : {$3800.00} ; XXXX XXXX Balance Owed XXXX XXXX
Product: Debt collection

I sent letter to the collection agency asking them to VALIDATE a debt .The company sent me bills and that's not validation. XXXX sold the debt to XXXX XXXX XXXX # XXXX and I would like for this account to remove from my credit file.!
Product: Mortgage

Subject : Discrepancies in Loan Documentation Provided by SLS Specialized Loan Servicing, I am writing to bring to your attention certain discrepancies in the loan documentation related to the contract. As per your correspondence you stated : Terms of the Loan On XX/XX/XXXX you signed a {$100000.00} Note secured by a Security Deed. Copies of these documents are enclosed for your review. 
On XX/XX/XXXX, your prior servicer XXXX advised of the XX/XX/XXXX transfer of servicing to SLS, and on XX/XX/XXXX SLS sent its corresponding Notice of Servicing transfer. 
SLS has applied payments as prescribed in the loan origination documents. 

Statement of Facts : The Security Deed provided by SLS does not match the original Security Deed obtained from the loan originator : XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX, XXXX, GA XXXX ), and the XXXX XXXX XXXX XXXX XXXX XXXX. ( Please refer to the attached Original Security Deed. ) Specifically, the loan number on the XXXX Deed is : XXXX, while the loan number on the Notice of Mortgage Servicing Transfer is : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have some of my information that is not accurate on my credit profile. I currently live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I am self employed OWER OF XXXX XXXX XXXX. My DOB is XXXX my SS # is XXXX Please remove the following addresses they are not accurate : XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Agency : I am writing to formally request the removal of an unverifiable and inaccurate account from my credit report as reported by Equifax, XXXX, and XXXX. This account, XXXX XXXX XXXX XXXX in the amount of {$11000.00}, has been investigated and subsequently deleted from my XXXX credit report as of XX/XX/scrub>XXXX XXXX XXXX 

As mandated by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681e ( b ), consumer reporting agencies must maintain maximum possible accuracy in their reporting. XXXX has verified during their investigation that this account is unverifiable and has deleted it from my credit file. Therefore, this same standard of accuracy and verification applies to your agency, and you are now required to follow suit in accordance with the FCRA.

Additionally, 15 U.S. Code 1681i ( a ) obligates you to reinvestigate and remove any disputed information that can not be verified within a reasonable period of time, typically 30 days. The deletion of this account by XXXX constitutes sufficient evidence that this account can not be verified and, thus, can not legally remain on my credit report. 

Please consider this letter as my formal dispute of this account with your agency. I kindly request that you take the following actions : Delete the XXXX XXXX XXXX account entirely from my credit report within 30 days or less. 

Provide written confirmation that the account has been removed or the results of your investigation. 

Failure to comply with this request within the specified time may result in my pursuing legal remedies, as permitted under 15 U.S. Code 1681n and 15 U.S. Code 1681o. These provisions of the FCRA allow me to seek damages for noncompliance, including but not limited to statutory damages, actual damages, court costs, and attorney 's fees. 

I have attached a copy of the updated XXXX credit report reflecting the deletion of this account for your reference. Please consider this documentation as evidence in support of my request. 

I look forward to your timely compliance and written confirmation of the removal of this account from my credit report. Should you require any additional information to process this dispute, please do not hesitate to contact me using the information provided above. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the accounts included on my credit report are either not mine or were opened without my knowledge. I need your help to remove these items from my report. Any accounts referenced in an identity theft report must be blocked by the credit bureaus, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. 
XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5700.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$5700.00} ; XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$880.00} ; XXXX CARD XXXX Balance Owed : {$4300.00} ; XXXX XXXX Balance Owed : {$2400.00}
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer - XXXXXXXX XXXX XXXX Employer - XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TXXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

I contacted Equifax, Experian and Transunion about the incorrect reporting from XXXX and none of them corrected the obviously incorrect payment information, nor updated the incorrect reporting information from XXXX. 

After multiple disputes, the information was sent back as verified. It was obvious the investigation was not conducted by Equifax, Experian or Transunion. They refused to provide the information that they gathered but kept the reporting as verified. 

Both XXXX and the credit bureaus instructed me to contact one another to change the record. For the last year and a half the record was not updated correctly. 

I've suffered damages from this inaccurate, incomplete and erroneous information that was reported for so long. I have lost job offers with the police department, I've been charged astronomical amounts of interest on credit and denied opportunities that would enhance my families quality of life. 

I am seeking for this account to be REMOVED after all the damage I've incurred and/or monetary compensation for each month this account was reported incorrecting discrediting my credibility.