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

On XX/XX/2018, I applied for a payday loan in the amount of {$1000.00}. On XX/XX/2018, the money was deposited into my account. On XX/XX/2018, I called Cash Net USA and told them I no longer wanted the loan and asked them to take the money back. I was told they could not take the money back and that I would still be charged a {$150.00} processing fee. I then made payments to the account to pay off the {$1000.00}. I made payments 4 payments in less than 30 days well before the amount was due. Even as I made payments, Cash Net USA continued to charge me fees a total of {$330.00}. I don't know how they came up with {$330.00} in fees. I don't owe any fees. If the amount of processing was {$150.00}, they owe me {$170.00}. I ask them to close my account, however, the account is still open. I was told that if there's no activity on the account, it closes automatically. In addition, there's an indication that a payment of {$100.00} is due on the account on XX/XX/2018.
Product: Money transfer, virtual currency, or money service

I have previously made a compliant on Chase Bank. They allowed XXXX separate fraudulent wire transfers to come out of my account WITHOUT my permission! I have yet to have a resolution with Chase! They first sent me the incorrect forgery packet. I have given every single piece of evidence and every report I have filed ( with police, and FBI ) looks like Im going to have to find an attorney because they closed my case sending me a different forgery packet. They have had over 2 months to respond and they have yet to get in contact or able to give me any answers on the status of the claim other than me receiving a paper stating they are once again closing my claim. They tried to close my claim in the beginning without investigating. XXXX is approaching and I need my funds back into my account. I feel very taken advantage of and violated by this company. I thought me putting my money into a bank was a safe idea, obviously not when they can get away with stealing your funds right under your nose without your permission.
Product: Debt collection

I have an open amount of {$610.00} with a company. 
After making a {$500.00} payment. 

They have called my workplace & my cell phone numerous times even after I asked them not too. 

After making the {$500.00} payment, they continued to call and harass me multiple times, leaving voicemails with very detailed information. 

After getting spoken to by 4 different representatives like complete XXXX.. I decided that I was going to finish making payments online through their website so I don't need to endure any more verbal abuse by these workers.. 

I called and asked for my account number because I am unable to make payments online without it, after XXXX gave me his opinion of me, he decided to ramble off my account number, but I didn't catch it. So he hung up on me. I called back, once again, just asking for my account number so I could make payments online, I was answered by an older woman, who then transferred me to a managers voicemail.. I left a polite voicemail for the account number.. never got a return phone call. 

There is ONE decent employee there that finally gave my boyfriend the account number.. everyone else should be investigated for their behavior towards people. People who are trying to take care of this at that.. 

I just would like to express how deeply mortified I am about this company. 
I have never seen/heard of such verbal abuse like this towards someone TRYING TO MAKE A PAYMENT. 

I know I am not the first, nor the last, considering there is over 2,000 complaints against them and a terrible rating on the XXXX. 

Thank you,
Product: Mortgage

Carrington Mortgage brought our Mortgage from XXXX XXXX XXXX. They took procession of the loan on XXXX XXXX 2016. At the time they took over the loan we were paid up to date. ( NO missing or late payments ). Carrington started off saying we owned the XXXX payment. We 've called, faxed, sent certified letters showing we made the payment, but yet, they insist we are behind. We sent them the statement we received on XXXX XXXX from XXXX showing we were current ( NOT missing a payment ). Anyway, Carrington insist we are now behind over {$5000.00} because for some reason they hold checks and cash checks WITHOUT applying the funds to the mortgage. Calling and talking to them is like talking to a brick wall. No one keeps records of anything!!!!
Product: Credit reporting or other personal consumer reports

This complaint is against TRANSUNION CREDIT BUREAU on XX/XX/2025 I called them trying to request a dispute against account name XXXX XXXX. I was then transferred to another department and I told the the same thing I'm trying to submit a dispute for a recently verified account XXXX XXXX I was trying to dispute this account and request a method of validation letter and original documents to show this account belongs to me. The TRANSUNION representative told me they contacted the company and they verified the account was mine. I then asked again for documents and validation letter and the TRANSUNION representative was unable to do anything I asked for this account. My rights where violated when I asked for validation letter and original contract and they were unable to provide them or even try to provide me with my request. My rights were clearly violated under the FCRA law which state that I have the right to request validation letter and original documents and how exactly did the company verify this account belongs to me. Account XXXX XXXX isn't mine and needs to be DELETED IMMEDIATELY. I also tried request the validation letter and original contract and documents from Experian credit bureau and Equifax credit bureau all 3 credit bureaus have not been able to provide me with anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

You need to get this XXXX off immediately as it is NOT COMPLIANT ... This is illegal and improper reporting of information, delete without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ).

I previously disputed an account on my credit report, which was found to be inaccurate and subsequently removed. However, this account has been reinserted into my credit report without any notification from Experian within the required five business days.

This action is in direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates that consumers must be notified if previously removed information is to be reinserted into their credit report. The lack of notification has caused unnecessary stress and potential harm to my credit standing.

I have already attempted to contact Experian regarding this issue but have not received a satisfactory resolution. Therefore, I am seeking your assistance to ensure that Experian complies with FCRA regulations and corrects this issue immediately. 
Attached are copies of all relevant correspondence, including my initial dispute letter, confirmation of the account 's removal, and my recent dispute regarding the unauthorized reinsertion. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX, LA XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX : {$15000.00}, XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX
Product: Credit reporting

I requests my creditor to remove 30 days late on my credit report because I had medical issues and I was struggle at the time with payments. I understand is was my responsibility but for long time I was a very good customer with a perfect credit. I have documents that sustain my medical history. however there response was that they can not make changes and I believe they have the power to do so please help
Product: Mortgage

We have received no correspondence or notice from Nationstar Mortgage , LLC as of XX/XX/2017 that our mortgage was transferred from XXXX XXXX XXXX. XXXX sent us a letter that Nationstar will start accepting payments on XX/XX/2017. We contacted Nationastar customer service and they indicated that welcome packages are delayed. Currently we have nowhere to send our payments.
Product: Credit reporting or other personal consumer reports

once again XXXX has colluted with Colonial, their agreement stipulates, the Credit furnisher has the right to freeze current balances vilating the DODD FRANK ACT, TRUTH IN LENDING LAWS, 3 DAAY RIGHT TO RECIND ETCUPDATE BALANCE TODAY OR FACE CLASS ACTION LAWSUIT SEE ATTACHED BALANCE FROM CREDITOR.
Product: Payday loan, title loan, or personal loan

Onemain financial charged my account on at a different time in  XXXX  around 2 years ago. They ran the account multiple times without enough money in my account causing multiple bank fees. I 'm not concerned about the bank fees. I 'm concerned that they wo n't stop calling and they have reported it as late even though I 've made several on time payments since. The loan is set to be paid off at the end of   XXXX  . Onemain financial is also reporting the total balance owed if I pay if I do n't pay it off early rather than reporting the payoff as of this month. Causing a higher debt to income ratio.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute 18 inquiries that appear on my credit report. According to my records, these inquiries were not authorized by me, and I believe they were made without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am also requesting that these inquiries be removed from my credit report as soon as possible, as they are negatively affecting my credit score. 

I have enclosed a copy of my credit report with the inquiries in question highlighted for your convenience. Please review the information and provide me with a written response within 30 days of receiving this letter. 

Thank you for your prompt attention to this matter. 

Sincerely
Product: Checking or savings account

I received a call on XX/XX/XXXX from Citibank about potential fraud regarding XXXX. Since we only used XXXX XXXX  times in XXXX years we knew it was fraud and said so. After the call we called citibank back to see what else we needed to do. They said they saw the fraud was pending and we should go to the bank next day to close account and they would make note of the fraud. We went to the branch the next day where they closed the account and opened a new one. FYI we had this account since XXXX. Citi at first returned the funds and then sent a letter overturning their decision stating it was our normal activity. That is not true. We do not regularly use XXXX. This is just under {$5000.00} and something we were shocked to find citibank wouldnt help with. We did not approve the transactions and have no idea where the money went. When we called Citibank again we were told we needed to send a letter to ask for a review which we did on XX/XX/XXXX. When we called today about our refund we were told they never received the fax or the letter sent via usps so today I faxed it again. 

In addition, XXXX XXXX as well as the XXXX XXXXXXXX did not change direct deposit although requests were made and continued to deposit money into this closed account. 

So we are unable to write checks on that account. They will not allow us to transfer the funds. We need to go into a branch each time a deposit is made in order to have access to our funds and we are still without the nearly {$5000.00} in fraud. Can anyone help us with this?!
Product: Mortgage

I was late on my mortgage, and received help from the original mortgage company, XXXX XXXX. However, I purchased my home for {$230000.00}. When my loan packet was sold to XXXX XXXX XXXX  there was an additional {$80000.00} added to my principal, and now my principal balance is {$300000.00}. But no one can tell me where this extra money came from that was added. If it were the total number of missed payments, then I would have had to have almost 3 years worth of missing payments, which i did not have. I have reached out to my current mortgage provider, Mr. Cooper, and they can not explain what this additional money is either. Additionally, it seems that every 6 months they keep increasing my escrow account, and I know that my property taxes and insurance do not go up over {$6000.00} year over year.
Product: Checking or savings account

The account was closed without notice. We were only informed that this was a thing because of an email on XX/XX/XXXX stating the account was under XXXX dollars. This triggered me to called as I had over XXXX in this account. 

They stated they mailed us but the letter was sent to an address that I do not live at. I was also not told via email to look out for a letter or any other method of contact. There are multiple ways of contact they could have used. 

I called and my mother called and asked what happened. We were informed that BOA closed it and was mailing a check out for the amount that was in the account at the time of closure. Which was in the range of a little over XXXX. On XX/XX/XXXX a check was sent via XXXX  but it never made it to me. XXXX  has since marked the package as damaged/missing and it was destroyed. On XXXX I called BOA to address this with them and they stated to contact XXXX  as it was their problem now but BOA wouldn't be able to run a new check until it is returned or a 120 days has passed. BOA did confirm with me that the check was never cashed and XXXX  as confirmed with me and sent an alert to BOA that it was damaged but yet BOA refuses to reissue a check. So now I am out XXXX for the next 120 days. I found BOA to be less than helpful as they could verify the check hasn't been cashed and could easily reissue a check for that is rightfully my own money. They should have never closed that account and it is frustrating that they did and now I am worried how i will be able to pay some upcoming bills that were put aside into this account. I was also told that only a paper check could be sent. In a world of digital transactions, it is very annoying that they couldn't do a ACH transfer into my account at XXXX XXXX if I am to verify my identity as an account holder on both my own XXXX Bank but also the BOA account that was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts numerous times already which resulted from alleged identity theft. Again, Im sending over identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. The accounts need to be removed as it is fraudulent : XXXX XXXX  XXXX Balance {$5600.00}, XXXX XXXX  XXXX Balance : {$2400.00}
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and I see some incorrect information on my credit report, can you please investigate this account info? 

account- XXXX XXXX account number- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my credit report that's not mine and unauthorized and would like to have them removed asap. It's so many dates that it's unreal that type of stuff could happen
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act, Destiny Mastercard Account # ending in XXXX, has violated my privacy rights. 15 USC 1681 Section 602 States that I have the right to privacy according to the Privacy Act of 1974. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish Transaction history or private information from an account without written instructions or written consent. 15USC 1666B : A creditor may not treat a payment on a credit card account under any open-end consumer credit plan as late for on purpose. 
16CFR 313 Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; which I never received an opt out notice, or any disclosure of that nature.
Product: Credit reporting or other personal consumer reports

I have the six following incorrect inquiries that do not belong to me, please remove them off my credit as soon as possible, I have never given you my consent for the inquiries to be showing and affecting my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 60 days 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. 


XXXX XXXX XXXX XXXX Never 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got at least 2 personal loans with Discover Personal Loans. I paid them off in record time. When I applied for a loan this time they kept making me submit more documents, Which I did when I called they said every thing was fine call back in a week. Then when I called back said they were unable verify credit application information. I have a Discover XXXX XXXX. This a case of sex, age and race discrimination. These people sent the loan application and when they found out who I was they canceled me out. I am a XXXX  for the State of Michigan and I see work on these type of cases all time this behavior needs to be exposed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several times to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$760.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$740.00} ; XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX Balance : {$600.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Balance : {$3300.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$930.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$930.00} ; US DEPT ED XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}.
Product: Debt collection

At few months ago I keep recipe a letter from XXXX XXXX XXXX. They say I have owe XXXX different company money XXXX XXXX XXXX XXXX XXXX XXXX XXXX them talking about my information theft XXXX send the police report for them but I still have recipe debt collection letter XXXX owe At & T {$1500.00} and my XXXX XXXX reduced. Please help me solution this problem!!!