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

I believe this company have hidden charges.

I paid off my loan of {$4900.00}.

The company tried to withdraw the exact amount again.

Theyre trying to say I did it, why would I pay again when I was doing a payoff.

I logged into my account to find a {$25.00} balance. I called to ask why. They stated because when they tried to pull the funds it was there. No it wasnt there because they already had it.. Tomorrow a letter will be in my mailbox for attempt to collect debt. Im confused. 
This company need to be investigated and fast.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account - Bank of America # XXXX. I never co-signed for this Line of Credit. It belonged to my wife 's business, but she filed Chapter XXXX and this account should have been included in that proceeding.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 did wire transfer to XXXX XXXX from My checking account us {$40000.00} and found that it was a scam. I asked branch office where I wired to recall this amount and report it was a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed late payments on this open account with the three bureaus several times, and these accounts have not been updated to good standing. I have explained to them that some of the late payments information is inaccurate, also that I had a slip and fall on XX/XX/2017, which I already provided proof for, and wasn't able to work so I fell back on my bills, and I've been able to pay on this account for the past few years on time when I was able, but they just updated the account instead of putting the account in good standing -XXXX XXXX Account XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX 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 XXXX 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 collections account opened at XXXX  XXXX XXXX # XXXX on XX/XX/XXXX with a balance of {$470.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've complained about being a victim of identity theft multiple times already. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Once again, I AM REQUESTING THAT EXPERIAN REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : AM XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian continues to show old information and credit score after corrections were made by XXXX creditors. Both XXXX XXXX and XXXX have already made corrections and my credit scores have risen significantly as a result. 

On XX/XX/year>, I mailed a written personal statement to Experian to be added to my credit report which is still not being reflected.
Product: Mortgage

Loan Depot continues to harrass and solicit me with emails. The emails are highly misleading stating that " rates dropped '' and they can save me an extra $ $ $ $ a month. I receive this email multiple times a day. I have clicked on the unsubscribe button more than once - yet Loan Depot continues to send this email. Additionally, they have a physical address that is a mail center - yet when you click on the email to view more details - it takes you to Loan Depot. Loan Depot is not adhering to unsubscribe rule when it comes to email engagement. They are also misleading in the emails. I find this very deceptive and frankly harassing. They refuse to stop. I have sent a request to their customer service division and still continue to receive the harassing emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have not authorized any hard inquiries on my credit profile for the companies XXXX XXXX XXXXXXXX reported on XX/XX/2021, XXXX reported on XX/XX/2021 and XXXX reported on XX/XX/2021. I am requesting that the credit reporting agencies XXXX and Transunion removed these unauthorized fraudulent hard inquiries from my credit profile.
Product: Student loan

i made a large payment and had ask to be place on the higher interest loan and they said no problem.Then i received the statement and they place the amount on both loans, I called and tried to have them fix the problem and was told they cant do that and i had no recoarse so i ended up paying more interest to sallie mae wjich was unfair
Product: Credit card or prepaid card

Hello, during the months of XXXX XXXX XXXX I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX Before deploying I asked for SCRA benefits at all various credit card companies I had. Comenity at the time did not have an auto pay option at all in their portals for the XXXX XXXX or XXXX XXXX store credit cards. I told Comenity that during my XXXX I could go for awhile without access to Wifi or a computer meaning there was a chance I could miss a payment leading to a late payment. I had 2 late payments and those have negatively affected my credit score. I have tried calling Comenity to explain them about the situation again alongside filing a dispute with one of the 3 credit companies only for no fix to my credit being issued. I do not want something outside of my control to negatively hamper my credit score and remain on for 7 years.
Product: Vehicle loan or lease

This occurred with Audi of XXXX in XXXX, WA in XXXX of XXXX. I was assured by XXXX XXXX from the finance department that I was signing for an auto loan under my business entity. XXXX said he structured the loan so it would not show up as a personal loan, would not show up on my personal credit, and made claims that I would simply be the guarantor. XXXX even questioned why it was so important for me to have the loan under the business and I explained my plans to purchase more property. Sales representative XXXX and my wife XXXX witnessed this transaction. I signed documents and XXXX never disclosed a different loan would be processed. 

At the beginning of XXXX, XXXX and I began a pre approval process on a property for another business. I recognized that my credit score was greatly impacted by the auto loan during this process. This caused us to be unable to follow through with our business plan due to financial liability caused by the auto loan. 

XXXX was able to contact XXXX by phone after we made numerous attempts. XXXX explained to XXXX the situation and his response was something to the likes of, Im sorry, I tried my best. I was lied to through deceptive sales practices to push along a loan I didn't consent to and it is greatly affecting my professional life.
Product: Credit card or prepaid card

I am NOT receiving paper statements and there is fluctuating daily balances that are inconsistent with my purchases. My account balance its too high. 

-I suspect I am being billed twice for items -my HIGH monthly auto payment seems to be going missing. 
-Items that have been returned to XXXX XXXX ( which should have been credited to the account as request ) are being applied to the XXXX account as gift cards. 
While my balance remains inconsistent. 

I have expressed my concerns of website content not being delivered correctly ( because of the CDNs ) to the appropriate agencies, and I believe this may be related to the same problem.
Product: Debt collection

LVNV Funding LLC Account {$1500.00} Account number XXXX I never had anything with this company and I need it removed from my credit report since they can't provide I signed any documents with them. 

Thank you
Product: Bank account or service

I keep receiving overdraft fees for charges I ca n't see until the next day. Usually when charge something on my debit card I can see it under available balance and when the charge is done processing I can see it under account balance history also. If I do n't have sufficient funds my card is rejected. With reoccurring charges I am not able to see them as processing in my available balance and can not see them in my account balance history until the next day ( because my account balance history can only show me what I have been charged at the end of the day the next day and not what I will be charged since it is a history of my account balance. ) For example, on XXXX XXXX I checked my account balance and it showed up as positive with no pending charges. Then, on XXXX XXXX I checked my available balance again and it was negative with an overdraft charge. My account history showed that I had been charged on the XXXX but only showed that on the XXXX. Bank of America policy is that if I overdraft I have until XXXX EST to make a cash deposit so that I will not be charged an overdraft fee. How can I know if there is going to be an overdraft fee and deposit money if I ca n't see it until the next day? This has happened to me XXXX times and I was able to get XXXX of the overdraft fees waived. When I tried to have them waived again I was met with complete refusal. I can not afford to pay these overdraft charges as I am currently unemployed. I have asked to opt out of overdraft protection. I have asked to have warnings and emails sent to me when I overdraft but nothing in their system is helping me and I 'm either not receiving emails or they are sent days later.
Product: Mortgage

I have a mortgage thru US Bank and have PMI which is supposed to automatically terminate at XXXX % which happens on XXXX XXXX, 2016. Yet they are still requiring PMI for XXXX and just sent me a letter demanding that I prove my home value has n't declined in value and I know this is n't required for automatic termination! Then I spoke to someone in PMI who said that my PMI would be terminated on XXXX XXXX but requiring that I still pay XXXX payment and then they will refund it at the end of XXXX. 

I questioned why I was being told XXXX different things first the letter demanding I prove the home value has n't declined and now that I still need to make a XXXX payment even though my PMI should be terminated XXXX XXXX. He had no real answer nor would he fix the problem. Instead he told me I had to pay PMI for XXXX XXXX and then wait for them to refund me the money! 
Please intervene to make sure my PMI is terminated as of XXXX XXXX, 2016 as I 'm at XXXX % then and have been current on my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..Please remove XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX   XXXX ( Original Creditor : XXXX  XXXX ) XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank repeatedly rips people off. I was able to win my first dispute with them. Now I find out they pulled my report again for no reason and are closing an account I paid of 3 months ago. This will negatively impact my score which I just raised to XXXX. By closing this account it will shrink my credit usage ratio DRASTICALLY. I received a letter that stated lack of real estate, high balances and a low score was their reasoning. I bought a house in XXXX, my score is XXXX and my usage got down to 13 %. They have repeatedly invaded my privacy, lowered my limit for now reason and are now actively closing an account which will directly affect my credit score, that will directly affect everything I apply for going forward, a refinance, costing me THOUSANDS OF DOLLARS.
Product: Credit card or prepaid card

Hello, My name is   XXXX   XXXX   and I am contacting you on behalf of my grandmother   XXXX   XXXX   XXXX  . My grandmother is getting ready to retire and I am trying to get her finances handled and have come across some discrepancies. She has a SEARS card that she did use but stopped about 2 years ago and continued the payments as billed to her and her balance never went down. I have looked into her purchase history and nothing warranted the a approximately three thousand dollars. I believe that the interest and services fees are what kept her from minimizing the debt over the last couple years. I 'm hoping by contacting you that you can find out if there was any wrong doing over this matter. She has been for the most part a pretty loyal customer of theirs until they left the local area.
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Thank you for your time and patience,   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian are reporting 3 hard inquiries in my credit reports all originating from the same mortgage loan. This is having a negative affect on my credit ratings, and could affect my interest rate. 

We applied for a home construction loan with XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX XXXX. As with all construction projects, the loan process occurs over a period of several weeks while a construction contract is negotiated, plans developed, and pricing finalized. Seacoast pulled our report twice, at initiation and with the final builder contract 8 weeks later. The other two banks pulled once.

It was obvious that we were shopping for the best mortgage proposal  for our new home and should not be penalized for doing our due diligence. This should be treated as one hard inquiry ... period. 

My experience is without getting an attorney involved, these companies do not take the time to adequately investigate issues within their reports. 

Thank you for your assistance in this matter. 

XXXX XXXX
Product: Credit card or prepaid card

I contacted the credit card company on 3 separate occasions regarding a charge on my card for XXXX XXXX which should have been a credit. The company refused to remove the charges or did an investigation. The reps were rude. The last person spoke to was a male claiming to be XXXX. I requested a supervisor. He kept me on hold for 15 mins. After returning to the call informed that no supervisor was available. He could set up a call for a retutn call in the next 42-76 hrs. Totally unaccountable. Violation of my consumer tight
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX states the account was paid off on XX/XX/2021. I need credit report updated to purchase another vehicle
Product: Debt collection

On XX/XX/XXXX, my mortgage analyst discovered a judgment against me when he was completing title work for a new home I wanted to purchase. On the same date, I contacted XXXX XXXX  ( original creditor ) and they said the account was transferred to XXXX for collections and from there it was transferred to Brock & Scott. 

Since then I have contacted Brock & Scott at XXXX extension XXXX ( XXXX ) and extension XXXX ( XXXX ) several times and each resolution specialist informs me that my file is on hold and they are unable to discuss it with me until the hold is released. None of the resolution specialists have any definite answers as to when the hold will be released. They encourage me to keep calling the company back with hopes that the hold will be released soon. After the hold is released, the resolution specialists said I would receive a letter from Brock & Scott. They did not provide me with any details as to what the letter would contain. 
As of today, XX/XX/XXXXI have not received a letter from Brock & Scott. To resolve this issue, I would like Brock & Scott to provide me with verification of debt and the aforementioned letter.
Product: Debt collection

I temporarily relocated to a new area, but I rented my house to a tenant. I did not see a need for continuing services for a home alarm since the new tenant did not have any interest in having nor paying for it. I called the center ( XXXX ) and indicated so. I was forwarded documents to signed, and the gentleman I spoke to indicated he would send me additional documents to look at and sign them if decided to continue services at a lower premium; said documents were never received by me. I'm truly baffled to find out there is an existing debt or account when no one attempted to get in touch with me nor even visited my house in order to reconnect/connect the services said company claims I own them money for. In the meantime said company is hurting my credit for a meager amount, which I will not pay based on principle. Please advise what are my options, I'm willing to pay even more to an attorney, but not XXXX because its claim is both invalid and without substance. In conclusion, I believe this is a frivolous claim by MOUNTAIN RUN SOLUTIONS on behalf of XXXX, a ridiculous attempt to survive in this new era where alarm systems are being replace by other available means.
Product: Credit card or prepaid card

I was SANTANDER CONSUMER USA customer since 2016 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account. Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Checking or savings account

Wells Fargo did not allow me to access my funds this is the second time it has happened causing me great harm because I was not able to do things I wanted with my funds. In addition today I had a very important business meeting. I went to the bank to access a transfer which was sent to me to only find out that it was denied in addition I can not access any of the money in my account or use any of their banking services. I could not even put gas in my car and go to work. I could not purchase lunch once I did get to work
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  B # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX bank # XXXX, XXXXXXXX XXXX XXXX # XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In XXXX My Aafes accounts were transferred to XXXX. Th credit limit of the Military Star card was {$6000.00}. There was about {$5000.00} charged to the card. The Take it Home Today card had a credit limit of {$8500.00} and there was an outstanding balance of about {$7200.00}. ( I do not have exact amounts ) My taxes have been offset through the TOP program each of the following years : XXXX {$8500.00} XXXX {$2300.00} XXXX {$1800.00} A few weeks in a notice dated XX/XX/2017 I received a notice that I have an outstanding balance of {$24000.00} Yesterday XX/XX/2017 I called and requested an itemized list of fees and charges and was told they do not provide such information. 

The combined maximum credit for the Aafes accounts was {$14.00}, XXXX. Payments through tax offsets have already totaled {$12000.00} I am not sure what my rights are, but these fees and penalties seem unbelievably high. I want to address this so I can resolve it once and for all but I have no idea what I am being charged for. These collection practices are horrible. Any assistance you can offer will be greatly appreciated.
Product: Credit card or prepaid card

Subject : Discrimination by America Express, refusing to remove more than XXXX XXXX XXXX adverse account information Dear Sir or Madam, Date : XX/XX/XXXX. 

Thank you for writing to me in response to my letter dated XX/XX/XXXX, stating that I should submit a complaint online. 

Here are some lines for your consideration and needful action. 

In XXXX, XXXX, I applied for an American Express Card and was denied. Ameican Express wrote a letter stating that because I was listed as an old unpaid account, they denied the credit card. 

Currently, I have excellent credit with a FICO score of more than XXXX and have open credit accounts with major banks and financial institutions, On XX/XX/XXXX, I called and spoke with a Manager at American Express and explained to him that about 24 years ago, in XXXX, we had a business that went under because of recession, unemployment and severe economic climate. We lost our business and as a result, many credit cards including American Express were unpaid. Manager told me to write a letter to them for consideration that I did. ( Copy enclosed ). 

Unfortunately, American Express wrote a letter dated XX/XX/XXXX, declining my request to reconsider. 

Therefore, please take necessary steps so that Ameican Express does not discriminate consumers like me for an old debt more than 20 years ago while other creditors have extended credit. 

If you have any Questions or suggestions, please feel free to contact me.

Thanking you, Yours Sincerely, XXXX XXXX