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

Company gave original loan papers! 
Not what was told at time of pay off and they took my cashier 's check and paid off loan!!! 
I didn't have this 3-10 days if that!!! It was paid in full before the 30 days maturity date... on the cashier 's check it stated " LOAN PAID IN FULL '' With account number and all ... AND NOT 1 single other payment has EVER been made in over a year, but they keep me in great standings with my loan! Ironic! 
What even more ironic to me is its been a year!!! AND When I paid this loan in full with the {$1800.00} check I took up there to the branch office I have NOT made any other payment what so ever on that account at all, and they have never called me nor reported me for a late payment!!! Ironically on the cashier 's check from my bank paying this loan IN FULL it stated THIS ACCOUNT IS " PAID IN FULL '' with the account/loan number on it! Now, if I owed a balance on this loan and it wasn't paid in full like I was told at that branch, ( it's been over a year ) I think I would be called non stop, it would be reported to my credit as being late ( not in good standing ), and all ... the loan was paid in full like I was told, PERIOD! I just want it reported on my credit as being PAID IN FULL, as it is! It's been over a year, and I haven't paid not a single cent since I paid the {$1800.00}, paying it in full... so I don't know if they had a worker in the office that apparently didn't know their job and told me wrong, but I done what was told me and I PAID my loan in full not even 7 days of getting it ... the branch deposited and cashed the cashier 's check that stated " Paid In Full '' w/my Account/loan number on it so they was very clear on the fact I was paying off my loan!!! PERIOD!
Product: Credit reporting, credit repair services, or other personal consumer reports

This CFPB complaint is a formal notice that the Credit Bureaus have failed to respond in a timely manner to my dispute letter. I previously sent a letter addressed to the Credit Bureaus requesting that they correct the information being reported to my Credit File. And on XX/XX/2022 I sent another letter wondering why did the Credit Bureaus haven't yet responded to the prior letter I sent. The Credit Bureaus informed me to contact the creditors and I have done so. According to FDCPA 809b the Credit Bureaus are required to delete or update these accounts until they validate. I have requested validation and they have not produced it. Please update or delete them now : 1. XXXX XXXX XXXX Balance Owed : {$570.00} 2. XXXX/DOFED XXXX Balance Owed : {$1300.00} 3. XXXX/DOFED XXXX Balance Owed : {$4000.00} 4. XXXX/DOFED XXXX Balance Owed : {$8600.00} 5. XXXX XXXX XXXX Balance Owed : {$0.00} 6. XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} 7. XXXX XXXX Balance Owed : {$0.00} 8. XXXX XXXX XXXX Balance Owed : {$0.00} 9. XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

The collector name is Diversified Consultants Inc and it stated that is is originally from XXXX. I paid in full before requesting disconnection since we are switching to new company and the amount they attempt to collect is bill statement after disconnection. I called XXXX several times and the main office confirmed that I have no balance to make a payment.
Product: Bank account or service

This relates to existing Case No. XXXX against XXXX XXXX XXXX. I want to file a complaint against Citibank Corporation. in XXXX, 2016, my father purchased a chair and he paid for it with his Citibank card. The total purchase was {$1000.00}. When he received the bill from Citibank in XXXX, he wrote a check no. XXXX on our joint XXXX XXXX XXXX account for the full balance. It was put in a Citibank envelope and mailed. In XXXX, Citibank called him and asked him why he had not made his payment. I contacted Citibank and gave them the check number and that it had cleared on XXXX XXXX. I also mailed them a copy of the check. I also contacted XXXX XXXX XXXX and opened up a fraud claim. Citibank rejected the copy of the check because they did not receive the payment. They removed the conditional credit and added late fees and interest. I contacted XXXX XXXX XXXX and received a claim no. XXXX. XXXX XXXX XXXX informed me that the check had been cashed by unknown persons at Citibank Branch No. XXXX/Sequence No. XXXX. They indicated that would contact Citibank. Then I heard nothing for a long time, and continued to try to follow up and finally filed a complaint with the Federal Reserve. I received promptly in XXXX a letter from XXXX XXXX XXXX to forward to Citibank which I did. Citibank just recently sent correspondence to my father indicating that they did not cash the check and would not pay the check. Citibank has now accumulated over {$100.00} in interest on the unpaid balance of {$1000.00} despite the fact that have sent them letters, and XXXX XXXX XXXX has sent them letters. Now my dad owes them {$1100.00}, so I have to pay that balance and close the account, but I need help recovering that check from either Citibank of XXXX XXXX XXXX because they playing against each other. XXXX XXXX XXXX says they ca n't return the funds to the account even though they paid the check. Citibank just wo n't deal with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX : - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$690.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX Balance : -y : Bankruptcy : XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$650.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I payed LLC loan care on XX/XX/2022 and XX/XX/2022 and the money was deducted from my account but LLC loan care didnt cash the money. I got the money back into my account and sent it back to them but my credit is now ruined and they have charged me absurd late charges. I dont feel like this is right because I upheld my obligation but these banks keep dropping payments. The also happened last year.
Product: Checking or savings account

I was a victim of a check washing crime back on XX/XX/22. A check for {$1900.00} was stolen some how in the mail service and was cashed under a different name. The check was cashed on this date and I immediately went into the bank to file the paperwork on XX/XX/22. I was notified that someone would get back to me regarding this problem. I have made repeated attempts to contact the Huntington Bank branch in XXXX IL since then to determine the status of the funds but they continue to tell me it is under review. I have not had reimbursement of these funds since this date and I want to understand what rights I have since this has take a significant amount of time and I was not at fault regarding this fraud. I was informed that it could take up to 120 days to resolve the matter and today is 120 days. Can someone please investigate what are my rights to retrieving my money back from the bank. I have contacted other banks which I have done business with and the typical turnaround time is not more than 30 days for reimbursement.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 personal credit card account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ), a personal credit line opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a charge account opened at XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX account number ( XXXX ), an account opened at XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX account number ( XXXX ), and a secured loan account opened at XXXX on XX/XX/XXXX under the account number ( 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 XXXX XXXX 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. I also attached a police report stating I am a victim of identity theft with all accounts listed.
Product: Checking or savings account

Back in XX/XX/XXXX, I tried opening up a checking account with another back and noticed that XXXX XXXX had information that I owed JP Morgan Chase and undisclosed amount of money. I had tried on several occasions to explain that the signature on the checks deposited to my last account did not belong to me, as well as they should have photos at the ATM to show who deposited and withdrew the money from the ATM at the time of the deposits.I explained that my debit card was misplaced or stolen, but still no favorable results, just copies of deposited checks with a bogus signature. 

As of XX/XX/XXXX, JP Morgan Chase or XXXX XXXX will not removed the information, allowing me to open accounts with other banks. 

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

I need XXXX  as well as Experian and XXXX  to report correctly that XXXX XXXXXXXX XXXX has a XXXX balance and is a paid and settled credit card from XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

I am requesting for the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FOWARD TO YOUR RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to you today to request, once again, to remove the fraudulent accounts and information that I found you report on my XXXX XXXX. I have read that I am entitled to protect my consumer rights under the Fair Credit Reporting Act XXXX XXXX, and request to you to remove any fraudulent accounts and information that being opened due to my identity being stolen. I previously sent you a disputed letter last XX/XX/XXXX, with complete attachments of my personal identification documents as well as the ID THEFT REPORT I received from the FTC. Once again, I request of you to please remove the following items off from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX. I am a victim of Identity theft and the items I am disputing do not relate to any transactions that I have done or authorized. Under the Fair Credit Reporting Act section XXXX, please remove the disputed accounts and information from my XXXX XXXX as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish a
ny 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX hard inquiries showing on XX/XX/XXXX & XX/XX/XXXX that were not authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I file a dispute letter with XXXX, Transunion and XXXX about a loan on my credit file that is charge off around XXXX XXXX. XXXX XXXX Account Number # XXXX around XXXX XXXX XXXX deleted this item form my file, XXXX and Transunion didn '' t take this item off my credit file. This item is still on both file on this day. Around XXXX XXXX my wife send a letter to XXXX XXXX to show we own the debt. They send her a letter ask for information. The dispute l sernt to XXXX and Transunion were 609 and 611 FRCA.
Product: Student loan

I am on the Income-Driven Repayment Plan for my student loans. My service provider is FedLoan Servicing. I just completed the annual renewal process for my plan, at which time my monthly payments were increased from $ XXXX/month to $ XXXX/month. I am unable to pay the new amount. I did have a very small increase in pay ( 2.5 % ) last XXXX from $ XXXX/hour to $ XXXX/hour. ( I work full-time/non-exempt, which means if I do n't have work for 8 hours/day, I do n't get paid for 8 hours ). I work for a XXXX XXXX XXXX XXXX for people who have severe and multiple XXXX. My pay is approx. minimum wage in the area where I live, which is in one of the highest cost-of-living areas of the United States. My budget is stretched to the limit every month. I was able to pay the $ XXXX/month payments. The new amount, $ XXXX/month, however far exceeds my budget. I am XXXX years old, live in a very small rented room, and on my paycheck, I am not able to save for future health care/living costs. When FedLoan Servicing increased my payment amounts, based on their calculation of how much my income allows me to pay each month, I wrote to them ( on XXXX ), told them that I can not pay that amount, and asked the why the increase was so high, when my pay and pay raise was little. I also provided details and requested that they help me find a way to lower my monthly payments to approx. the amount I paid last year, {$82.00}. They emailed me a form letter on XXXX, saying I would hear from them within 10 days. On XXXX, I received the bill for my next payment, due XXXX XXXX, for {$340.00}. I emailed them immediately, again stating that I can not pay that amount, and asked them to help me lower my payments to approx. the amount I was paying. I understand that it has not yet been 10 days since their XXXX form email, saying I will hear from them within 10 days. I am sending in this complaint, however, in order to get some clarity and support in this situation. I do not understand their reasoning regarding raising my payments so high. Also, with the changes proposed by our new administration in the Federal Government, I do not know if I will have any support in the future. Thank you very much for your assistance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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.
Product: Credit card

So this charge for XXXX needs to be credited back I bought a service thst was a supposed to be good for a year and it was not as advertised and the seller lied to me and ripped me off and lied to me. It turns out the service was only good for 6 months and the seller will not respond to me at all. And it wont answer my disputes or emails. I am really upset. I disputed this before and it came back I can only reach your company by chat because every time I try to call any of your XXXX numbers it says they are all disconnected its like you have some kind of block on my phone from reaching you. I need to dispute again and the chat people keep saying I need to call but I cant because every time I call you back the numbers are alll disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 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: Checking or savings account

I deposited {$250000.00} with Webster Bank ( XXXX ) XXXX year ago. My XXXX year XXXX matured and I requested the funds be returned to me. They said OK but it has now been over XXXX weeks and they have not returned my funds. I emailed XXXX times through their client portal and I have called XXXX times. On the phone calls, they have told me the same thing each time -- wait a few days. The response to my email was " we are having trouble with XXXX transfers ''. They tell me not to worry because I am getting interest but I need my funds.
Product: Credit card

My Wells Fargo active cash rewards card was charged {$500.00} by XXXX # XXXX. I noticed and reported the fraud a few days later, but the charge went through on XX/XX/. There were several other gaming charges made during that 2 day span including from XXXX which leads me to believe it was the same criminal ( s ). Wells Fargo credited me back for the XXXX charges, but denied the {$500.00} XXXX fraud claim because they said it was using mobile wallet, and the fraud issue isnt with my card, but actually with my mobile wallet. When I asked who I would report the mobile wallet hacking to, they said they dont know. 
Its very clear to me that I was the target of gaming fraud charges in XXXX, NY and my bank did not contact the merchant or do any due diligence to track the mobile wallet fraud source. I feel that my accounts are unprotected. 
I have been a loyal Wells Fargo customer for nearly 30 years, and do not feel like they thoroughly looked into this matter to vindicate me as customer. Based on the payment method used, they washed their hands of my claim.
Product: Mortgage

My mortgage servicer : ( ServiceMac ) PMI removal request ( {$130.00} ) was sent by email to my mortgage servicer ( myservicemac.com ) on XX/XX/2022, I asked about the processing time and was informed it'll take up to15 days... but it's almost 2 months now.. 
everytime I've called the company to ask about the delay, the answer was ( someone will call you tomorrow ) but they never did, emailed several times to complain and they don't reply to emails ( only automated replys ). 

And after so many calls and complains the BPO was done on XX/XX/2022 and the appraiser told me that the company should contact me regarding the appraisal in 3-5 days but 12 days passed now and everytime I call the answer is ( We'll call you tomorrow ) which is not happening.