23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

I have paid over a XXXX dollars on a XXXX dollar loan and still have XXXX payments which will make it XXXX dollars the Annual Precentage Rate is 596.6755 % the finance charge is XXXX this was not made aware to me at the time of loan submission. The Name of this company is Big Picture Loans which i have come to learn has done this to alot of other people based on my research.
Product: Credit card or prepaid card

This complaint is in regards to how my XXXX XXXX account ( Account ) being handled, rather than any particular dispute, claim or transaction. Im hopeful that this complaint submitted publicly via Consumer Financial Protection Bureau ( CFPB ) will reach Wells Fargo XXXX XXXX. 

In Late XX/XX/XXXX I've managed to apply for new XXXX XXXX product, issued by Wells Fargo XXXX XXXX ), in order to extend my credit card portfolio and proceed with responsible credit card utilization. While overall being satisfied with XXXX XXXX ( 'Membership ' ) program, I've ran into numerous issues with my account manager - XXXX  XXXX Exmployee ID XXXX ), who's been assigned to this position. 

During my rather short tenure as Membership participant, I had to encounter several issues with some of the merchants, for which order 's my XXXX  XXXX was used and therefore I had to reserve to filing a billing dispute for which transaction, where I've encountered my phone call communication with XXXX. During these encounters ( all of which Wells Fargo should have a recorded copy by now ) I did my best to supply Wells Fargo and XXXX in particular with required information & supporting documentation in a timely manner which could result in a significantly different outcome of the billing investigation, shall the case be transferred to XXXX for pre-arbitration stage of the investigation. 

While in general I try to reserve from using any definitions which might be found of rather subjective nature and emotionally-driven, I was left under the impression almost after each call that XXXX intentionally made those investigation and the whole process in general harder than it should be ( eg. Once XXXX was claiming that Wells Fargo never received documents for an ongoing dispute, while general customer service did confirmed that Wells Fargo actually did and then she was confronted with that information and I proceeded with sharing the timestamp the documentation were sent to Company, only after me having to convince her to look at the mailbox to find the supplied documentation, she was able to agree and in fact confirm that Company did receive those & its suffice the need for documentation to proceed ) or straightforwardly bringing me to very confusing conclusion that she basically almost sabotaging the investigation ( eg. During the phone call on XX/XX/XXXX was very convincingly claiming that documentation submitted by me were not legitimate because at the refund promise section it had different account number than my physical XXXX. I, for once again, had to almost convince her to look thoroughly at the documentation provided by me & response from the merchant and contend that difference in the account number were resulted due to using XXXX XXXX originally and the original receipt had also different but matching account number, once again, resulted of using XXXX XXXX ). Those are only two rather questionable instances which Ive decided to share in this complaint submitted to Company via CFPB, putting aside XXXX repeatedly calling me on weekends after asking her few times to cease from contacting me in the non-business hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021
Product: Debt collection

Our Family lived at the The XXXX  XXXX  XXXX in XXXX NC located at XXXX XXXX XXXX, XXXX, NC XXXX, P : XXXX, XXXX. We lived there for 2 years and 3 months. Upon move out on XX/XX/XXXX they tried to create an invalid debt. They manufactured charges and would not provide proof. They then sent the debt to a collection agency a few days after we moved out. No Validation of Debt letter was sent. The collection agency, Hunter Warfield, XXXX, continually called and did not provide a validation of debt or allow us to dispute. We called the Apartment Management to dispute and they agreed the fees were in error. We requested validation of the debt and they declined to provide. They said the letter was sent but couldn't provide me a copy or an email version. I asked for proof of the charges, documentation for their claim. They declined to provide. 

I am able to provide complete photos of the apartment timed stamped on move out day as well as video showing the apartment was in great condition.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX 's about my account not being credited, I was advised by the credit department that they would find out why my account was not credited for the return and make contact with me. This was in XX/XX/2014, I checked my credit report last year and noticed the collection and began filing disputes. 
I submitted two disputes through Experian, XXXX and XXXX   reference to a creditor XXXX XXXX XXXX XXXX XXXX, WI XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. This account was closed due to the item ( XXXX ) was returned to the company back in XX/XX/2014 and the Account was never credited, as a matter of fact the XXXX   amount was {$350.00} and this company is still showing a past due amount of {$120.00}. I demanded verifiable proof from the consumer with my signature on it on what I am being charged and as of this date I have not received anything, only confirmation from Experian that the company notified them that the account was accurate and has not provided any documentation which a violation of the Fair Credit Reporting Act is, Section 609 ( a ) ( 1 ) ( A ). 
Experians failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I am requesting that Experian be investigated. 
Regards, XXXX XXXX.
Product: Debt collection

TransUnion Fraud Victim Assistance XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 
Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 
Sincerely,
Product: Debt collection

on XX/XX/XXXX, XXXX XXXX XXXX reported to the credit bureau Experian that I have a debt from XXXX. Which is completely false and inaccurate. I sent a letter to them on XX/XX/XXXX and bureau asking their method of verification and they could not provide the facts. In writing I ask them to provide the vadilty of this debt. Experian wrote back on XX/XX/XXXX saying it's verified but failed to show proof of this debt to me. They LIED and did not attempt to verify this debt. I am requesting this debt collection be removed from my files. I need to see name of person they spoke with and documentation used to verify this account. I do not trust that within 7 days they verified this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX XXXX I was trying to buy a XXXX XXXX to scale my business and realized I had damages on my credit report. According to the 15 USC 1681 law there should not be any damages on my report. It is a defamation of my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy listed in my credit files that Transunion is reporting which is inaccurate and incomplete. The XXXX XXXX requires that the credit agencies provide mechanisms to ensure each item on my credit report belongs to me and is accurate and complete. I have requested from Transunion validation that is competent evidence bearing my signature, name, address and telephone of each person they have contacted to validate this bankruptcy and they have failed me. I have several letters from the XXXX XXXX XXXXXXXX and XXXX stating that they DONOT report to the consumer reporting agencies and letters from XXXX which states that they DONOT have any records of a bankruptcy on file for me. Yet Transunion keeps telling me they have verified it with XXXX and I know that they are not investigating my case.
Product: Vehicle loan or lease

I purchased a car in XXXX from us auto and they double charged me the loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly report these items but nothing happens and they claim to keep reporting as verified and updating the dates when indeed these are fraud and i filed an identity theft report. I want these items removed.
Product: Credit reporting or other personal consumer reports

I have observed a notification of credit pull from XXXX XXXX  on XX/XX/year> without my involvement, and then after three days, I have observed two more credit pull on my account from XXXX XXXX  on XX/XX/year> and XXXX XXXX on XX/XX/year> without my involvement, so when I reached out to XXXX XXXX they said they were not able to see any application opened, So then I reached out to Equifax about the hard pulls on my account without any authorization then customer service from Equifax told me to get the report from https : //reportfraud.ftc.gov/ and when I tried to complaint there it was redirected to consumer financial protection bureau , So please help me to remove the hard enquiries on my profile, now I have locked my Equifax credit account to be safe side. 

Note : On XX/XX/2024 I am a victim of Identity theft, someone using my identity went to XXXX XXXX  and withdrawal money from my account and also they opened XXXX account and tried to to many credit applications, I have reported them to the concerned companies.
Product: Debt collection

I recently learned from my banks that a collection agency, XXXX XXXX XXXX XXXX XXXX, based in XXXX, NY XXXX has reported derogatory information on my credit report. Sometime ago I received a phone call from the debt collector and told the company that I dont owe any telephone company. I told them that my telephone company is XXXX XXXX XXXX, and my bill is directly paid from my bank. I also told them that Ive been with the same phone company for more than XXXX ( XXXX ) years, since 1999. They asked me about the address of the debt, and I told them Ive never lived there. Several times I received similar phone calls, and I told them I dont owe any telephone company. According to the debt collector the debt is owed to XXXX XXXX XXXX and the amount is over {$1100.00} but less than {$1200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is still reporting XXXX hard inquiries to my credit report although I reached out to the companies to enquire that I do not have any accounts with them nor ever done business with them. I notified Experian of the findings, and they are refusing to remove the hard inquiries ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX fundingXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed a FTC identity theft report because I did not share my identity with any of these agencies.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 2018 For a medical debt for XXXX XXXX XXXXXXXX for the amount of {$1000.00} XXXX XXXX XXXX XXXX XXXX makes calls to my husband several times a week with threats of jail time and harassment in general. My husband tried to make payment arrangements with this creditor but the same man who continued to call him said no we need it all now. 
We received a letter from an attorney saying we have not tried to pay or make arrangements to pay the debt and we have. We do not want R and R to contact us by phone any longer.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/year> XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to contact Central Financial Control & Syndicated Office SYstems per the address listed on my credit report and the letter got returned. I sent it to the bureaus and they ignored it. Please help if you can thank you.
Product: Money transfer, virtual currency, or money service

Dear PayPal XXXX, I hope this message finds you well. I am writing to express my deep concern regarding the recent permanent limitation placed on my PayPal account ( email : XXXX ). I believe this action may have been a result of a misunderstanding or error. 

I want to emphasize that I have always strived to comply with PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action against my account. I value the trust and integrity of the PayPal community and would never knowingly jeopardize that. 

In light of the above, I kindly request PayPal to reconsider and reinvestigate my case thoroughly. If any discrepancies are found or if there has been any misunderstanding, I request that my account be reinstated. The ability to use PayPal is essential for my financial transactions, and its suspension has caused considerable inconvenience. 

I genuinely appreciate your attention to this matter and kindly ask for a prompt review of my account 's limitation status. I look forward to a fair and just resolution that would allow me to continue using PayPal for my financial needs. 

Thank you for your time and consideration. 

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

XXXXXXXX XXXX brought my vehicles loan from XXXX XXXX XXXX to refinance my vehicle after doing so XXXXXXXX XXXX had started my vehicle loan from the very beginning, making me have to repay the vehicle as I had just bought it from them showing that none of my prior payments went towards anything after talking to them about this they told me this was perfectly after refusing to pay. They repossessed the vehicle and charged it off, damaging my credit report and reporting fraudulent reports
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Someone opened services with XXXX XXXX in my name without my knowledge. I sent the paperwork to XXXX and at the time the removed it off my credit report. However now some other company is listing this as mine and I was a victim of Fraud which was already proven some time ago. This XXXX XXXX XXXX in the amount of {$110.00} IS NOT MINE
Product: Credit reporting or other personal consumer reports

Between the month of XXXX and XXXX there was a natural disaster in NJ in 2018. During the incident major flooding and storms I lost my home. I called XXXX immediately prior to any due payment to apply for their natural disaster relief which halts payment and is in a payment plan in which repayment is made before the next months payment and the subsequent month is paid as well. I was told from their representative that that was added to my account to allow me time from the natural disaster. Everything was fine it didnt reflect any issues then I had a report of negatively impacted my credit it was XXXX  XXXX XXXX reflecting a late/non payment. As part of the program they assured me that it wouldnt negatively affect my credit as I was in that relief program. I called XXXX XXXX XXXX to inquire about why the issue had appeared and they stated they were unsure and were going to correct it. They didnt I called again each time I called I had a different agent and this agent said they cant and wont do anything. This has negatively impacted my credit and remains I have called XXXX Ive filed a complaint and I have tried to dispute the inaccuracy of that as it is still affecting me. As part of the program they informed me that I didnt have to do anything and that with me calling and applying and providing information of the disaster and how it impacted me which I did over the phone and they were able to confirm. Now I have an issue where it shows 30 days late for the disaster month and no data when I paid on time per the disaster relief and I paid the next month prior as that month was not part of the payment relief so that was paid on time and all the months thereafter. My credit I have not had any late payments and I was part of their relief program as explained by their representative and it appeared on my fore account as well on my account portal. Now I dont have access since it was paid off they refuse to acknowledge the issue or correct it.
Product: Debt collection

I am writing to you with utter contempt and fury upon discovering a fraudulent account on my credit report. It has come to my attention that an account that I have absolutely no involvement with has been inaccurately added to my credit history. This egregious error has not only besmirched my financial integrity but has also placed an unjust burden upon me to rectify this situation. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Rate genius, emailed my account # on XX/XX/2023 and never received an email response back. I emailed to clarify why I received these emails and never received a response back. 

XXXX XXXX, emailed about inquiry as well and did not receive any feedback. I was not about to distinguish the other XXXX hard inquirys to find where to reach out to It was shown per XXXX XXXX these would be soft inquiry pulls, not hard inquiry pulls when inputting salary information.
Product: Debt collection

I have a new phone and also registered my number w/Do Not Call.gov. I get an inordinate amount of calls from the following phone numbers ( all from the same company ) asking for ( probably ) the former owner of my new phone number. I called this company XXXX times and spoke to different employees, explaining above & asking them not to call again. Apparently their employees are XXXX or incapable of removing my number. I even added my last name to my voicemail message, to no avail. ( They keep asking for a XXXX.I am not wasting any more time calling these XXXX. They most often leave hangups. ONLY other calls are automated. 
If you can help me I would appreciate it. thank you
Product: Credit reporting or other personal consumer reports

I DO NOT ACKNOWLEDGE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

the debt collection firm XXXX XXXX XXXX had gotten a judgement against me without my knowledge, without any notification in 2009 & has repeatedly tried to collect on a debt I do not owe due to identity theft. I have contacted them repeatedly, filled out XXXX identity theft packets & submitted police reports. They have seized assets in my bank accounts XXXX, which were eventually returned to me. I have been to the county records office/courts to find copies of this judgement & there are no records. 
This is a debt that was created due to identity theft. I have provided all the information and last known whereabouts of the individual who stole my identity yet XXXX XXXX XXXX has still continued to harass & threaten my assets. 
I can not keep a bank account due to the constant threats of asset attachment. This has been an ongoing issue since XXXX.
Product: Mortgage

3 times in the last 6 months they are processing my regular payment as a principal payment. Then, my next bill will show that I owe twice as much and that it's overdue and clearly show my principal payment that I made just several days before my due date. Each time they have to reverse my principal payment and turn it into a regular payment. And then send a note again to their billing sang that all my payments go towards regular payments. This is now happened multiple times they can't seem to get it right