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

This company is operating in predatory practices and its operation is more analogous to the practices of a loan shark! Unfortunately, as a recent XXXX student, I was put in a predicament that forced me to either apply for this particular loanor be homelessand I chose the former. Within this timeframe that I applied for the loan, I was working and anticipated to pay back the loan before the loan terms indicated. However, a global pandemic called Covid-19 happened to the world. Shortly after, I was laid off from work and was unable to get a job for months. As such, it made it extremely difficult for me to pay my bills, rent, and expensesincluding to Personify Financial. 

When I gain employment, I made a total payment of {$3000.00} for a loan in the amount of {$4700.00}, and currently, Personify has only applied {$360.00} towards my principal and {$2600.00} towards the interest of this loan. The current interest rate is 93.50 %, at this rate ; by the time this load is paid off, Personify would profit close to {$15000.00} or more on a {$4700.00} loan. Of this {$4700.00}, I was only issued {$4500.00} because I was also charged another fee before the money was issued. Even with all my efforts to pay this ridiculous loan, my outstanding balance remains at {$5200.00}. This amount includes the {$3000.00} that I have paid to this company.

Personify Financial is nothing short of a loan shark. This is a predatory loan. It is unfair and unethical. This company needs to be under investigation for its immoral practices. To add insult to injury, this company preys on the most vulnerable population, those who are in desperate need of survival. Living in a country where you must decide whether to buy groceries or pay your bills. The XXXX XXXX XXXX XXXX act states the lenders must engage in fair lending practices. I feel that this company is not engaging in fair business practices and they are taking advantage of consumers. Further, XXXX XXXX XXXX should be investigated.
Product: Mortgage

I applied for a loan from Alterra Home Loans at XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX, Nevada XXXX on XX/XX/XXXX. The loan took over 8 weeks to close for no good reason. The contract had to be extended 3 times as the lender was unable to close on time. We should have closed on XX/XX/XXXX, but the close did n't happen until XX/XX/XXXX. This loan was contingent on the property 's appraised value. The lender received the contract on XX/XX/XXXX and did not order the appraisal until XX/XX/XXXX. Every time the lender requested documents from me, I provided them within 48-hours or less. The lender has yet to explain why it took them so long to close the loan. As a result of the lender not being able to close until after XX/XX/XXXX, I was charged pro-rated rent charges in the amount of XXXX. I had a 6-month rental agreement with the seller/landlord of the property. The rental agreement expired on XX/XX/XXXX. Had the loan closed on time, I would not have had to pay the XXXX. Per my closing documents, the lender paid the seller XXXX to compensate her for the delay in closing the loan on time. I have sent them 6 request to compensate me as well. I was their customer, not the seller. The only response to my requests came from XXXX XXXX via email. On XX/XX/XXXX, she wrote in an email, " I am out of town. I will return tomorrow and I will speak to the manager regarding your request. '' To date, she has not gotten back to me, nor has she responded to my follow up emails. I advised her that if I did n't get a response from her or the manager XXXX XXXX by XX/XX/XXXX, I would be filing a complaint with CFPB. At the day of the closing, I learned the lender had charged me XXXX to reduce my interest rate. They never said anything about this charge.
Product: Credit reporting or other personal consumer reports

I recently submitted a dispute to TransUnion on XXXX XXXX about a debt collection account being inaccurately reported on my credit report. It has been more than 30 days since I filed this dispute and I have not received any proper information that's there has been a Theral investigation. My identity has been at risked because of this company inaccurate reporting and has been destroying my reputation. I have not given TransUnion, XXXX or XXXX any order to furnish these reports and I have never consent to these reports in the beginning. This would be considered identity theft. 

I would like to request the collection be removed. These reports are impacting me negatively which makes it extremely hard to get a vehicle for me and my family. I would like to request proof of any written authorization each credit reporting company has received from these creditors showing that I have made consent to these authorizations and that they investigate in good faith. TransUnion has been giving more than enough time to conduct a proper investigation to validate the account and has failed. I demand that this account along the others should be removed immediately. 

1681i ( A.5 ) says that after the reinvestigations... all of the unverified information must promptly be removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that it can not be verified or validated. '' Pursuant To 18 USC 8, I Owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4 [ XXXX XXXX XXXX XXXX ] Account Number : [ Account Number ] [ [ collection Debt owed : {$740.00} ] [ Original creditor : XXXX XXXX XXXX  ] [ XXXX XXXX XXXXXXXX XXXX XXXX ] [ collection Debt owed : {$510.00} ] [ Original Creditor XXXX ] [ XXXX  XXXX XXXX ] [ collection Debt owed : {$2400.00} ] [ XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT, BEGINNING FROM XX/XX/2019. I TOOK ALL STEPS THAT WAS AVAILABLE TO ME TO REPORT THIS ISSUE, WITH THIS COMPANY PERSONALLY, FILED POLICE REPORTS, FILED FEDERAL TRADE COMMISSION REPORT, LOCKED MY CREDIT BUREAUS, PLACED ALERTS FOR 1 YEAR ON ALL OF THEM. FORWARDED ALL NEEDED PAPERWORK TO THIS COMPANY SO THEY CAN CLEAR MY CREDIT HISTORY. NOTHING RESOLVED YET SINCE XX/XX/2019. I CONTACTED THEM SEVERAL TIMES, BUT I AM NOT GETTING ANYWHERE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I made a payment by check of {$97.00}. I enclosed a copy of the payment. 
Original creditor : XXXX XXXX owner : XXXX XXXX XXXX The tradeline reported by : XXXX XXXX XXXX Can you please remove this potentially negative item off my credit report.
Product: Credit reporting or other personal consumer reports

Initial account dispute due to identity theft and fraud for XXXX XXXX  credit card ending XXXX. Was initiated XX/XX/year> and investigation was finalized along with results XX/XX/year>. 

The account was deleted from my credit report as it was found fraudulent on XX/XX/year>. 

The account has since been reinserted on my credit report XX/XX/year>, a month and 13 days after the investigation was finalized. Experian allowed the account to be reported 43 days after the investigation was finalized.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I transfer a international transfer to XXXX XXXX XXXX but in a Father 's account, in this time my bank said that the tranfers is complete in this account, XXXX said me that the transfer is never is in the Father 's account. 
In this time, I had all transaction with my bank for return the wire transfer, and they have return in XX/XX/XXXX, for this time I have all transaction with XXXX for pay my loan, and she only post my Id card in XXXX wihtout my authy and it is a fault. 
I want to pay my loan but with wire transfer for pay my taxes, and XXXX need I pay withput the taxes
Product: Checking or savings account

Associated Bank is holding me liable for a checking account and debt that was discharged in bankruptcy court under Chapter XXXX in the United States District Court District Of Minnesota Bankruptcy Court. I had a checking account with Associated Bank and the checking account was closed with an incorrect balance. Associated Bank alleged I deposited fraudulent checks into my checking account and thats why the account was closed and have a balance. I never deposit any checks in my Associated Bank Checking Account. My Associated Bank checking account and debit card was compromised and used fraudulently by someone else. My Associated Bank checking account debt though was discharged in bankruptcy court and I dont owe any money or debt to Associated Bank.. Full Name : XXXX XXXX XXXX XXXX DOB : XX/XX/1974, SSN : XXXX. The Office of the Comptroller of the Currency is investigated Associated Bank and my complaint against Associated Bank as well.
Product: Debt collection

This Company is attempting to collect a debt that does not belong to me. Delete this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

AGAIN I FILED A COMPLAINT AND ADVISED XXXX BACK ON XX/XX/2019 AND ADVISED THEM CREDIT SYSTEMS WOULD BE ATTEMPTING TO ADD AN ACCT THAT THEY ARE ILLEGALLY ADDING TO MY CREDIT. THEY REFUSED TO VALIDATE THIS DEBT BACK ON XX/XX/2019 AND THEREFORE NULL AND VOIDED THEIR RIGHTS TO ADD THIS ACCT. IT WAS ADDED AND REMOVED BY XXXX LAST YR AND ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. AND THEY ARE ASSISTING THE COMPANY IF VIOLATING THE FAIR DEBT COLLECTION PRACTICES ACT. THIS ACCT NEEDS TO BE REMOVED IMMEDIATELY. I AM REALLY FRUSTRATED WITH HAVING TO KEEP DOING THIS, BUT I HAVE WORKED TOO HARD TO BUILD MY CREDIT. THEY NULL AND VOIDED THEIR RIGHT. THIS ACCT IS OVER 1 YR OLD AND XXXX XXXX XXXX BREACHED THEIR CONTRACT AND REFUSED TO CANCEL CONTRACT UNDER Service members Civil Relief Act AND ALSO UNDER THE POLICY THAT I COULD CANCEL IF I HAD A MEDICAL CONDITION THAT DID NOT ALLOW ME TO XXXX ANY LONGER AND I HAVE XXXX   XXXX. I ALSO RELOCATED TO ILLINOIS AND THEY COULD NOT PROVIDE THEIR SERVICES IN THAT STATE SO THEY COULDNT ABIDE BY THEIR OWN CONTRACT. THEY ARE NOT THE ORIGINAL CREDITOR AND RECEIVED MONEY BACK ON TAX RETURNS THEREFORE NO AMTS ARE OWED. THEY CAN NOT LEGALLY " DOUBLE DIP ''
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report act. ACCOUNT XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights. The next account request removed pay late. XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights y request removed pay late in XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rigths y request removed pay late in XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rigths y request removed pay late in XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rigths y request removed pay late in XXXX XXXX. In accordance with the Fair Credit Reporting act 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 reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax, XXXX, and XXXX for what I believe to be a violation of the consumer protection laws outlined in the United States Code ( USC ). I have outlined the details of my complaint below, citing specific sections of the USC. 
I have attempted multiple disputes by certified mail as well as online to XXXX, Equifax, and XXXX. I requested them to verify dates, balances, and contracts from the furnishing companies with my signature. I've attempted correspondence with Equifax, XXXX, and XXXX starting from XXXX of this year until the present with no satisfactory results. 
I recently discovered that Equifax, XXXX, and XXXX have improperly used my credit report information in violation of the Fair Credit Reporting Act ( FCRA ), as outlined in USC Title 15, Chapter 41. My reports show incorrect variations of my name, incorrect addresses, as well as inaccurate and inconsistent balances and dates. 
These actions by Equifax, XXXX, and XXXX infringe upon my rights as a consumer, as protected by USC Title 15, Chapter 41, Subchapter III. 
I want to bring to your attention that Equifax, XXXX, and XXXX did not obtain proper authorization for the use of my credit report information, which is a direct violation of USC Title 15, Chapter 41, Section 1681b.

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Equifax, XXXX, and XXXX in accordance with the USC.

I have attached a copy of the Final letter that was sent to Equifax, XXXX, and XXXX as well as a copy of my reports, other supporting documentation, and a copy of my State ID. 
I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will act diligently to ensure that my consumer rights are protected.
Product: Credit card

Having issues that refuse to help to remove the error information that they have on my report XXXX and XXXX have late payments that inaccurate that I would like to know as hard over the phone to dispute the item that I would like to remove from my report and also sending in dispute. They dont reply on time nor wan na communicate with you. Its very complicated and I would like to get my credit reporting fixed. 
But this one is mainly for XXXX first I would like to request XXXX to remove the late payment that has on my report which is inaccurate and I request XXXX times to remove and they refuse to work with me or accept any of my disputing They dont provide me enough information why my information is not fixed or why the dispute is not have enough information. The reason why its not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are not following the laws. I showed them multiple times how they violated the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have any written permission.

According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall 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 data is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

This shouldn't be so difficult to make sure that they follow the rules. 

The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit card or prepaid card

Someone just opened credit card under my name through Walmart store and I want to report the fraud on it and I want this account and other credit card opened under my name to be close. 
Thanks
Product: Checking or savings account

I filed a dispute for an unauthorized charge by XXXX account I do not hold, but my card info WAS saved on walmart.com on my actual walart account and someone like hundreds of other complains I seen, hacked their website and stole my card info and made a {$260.00} charge on my account, chime refused to stop that charge from being completed even though I called an hour after I received the alert, the problem could of stopped right there.they refused to stop that payment and said I had to wait for the money to be taken from my account then dispute it.i did that, I stayed in contact with XXXX also who sent me an email saying they flagged the account using my card as fraud.i sent that email to chime, chime claims they investigate with XXXX yet XXXX has no info on them communicating and dosent understand why my claim was denied as XXXX can see I didn't make that order XX/XX/XXXX for {$260.00} on my XXXX account and there's no reason to denied my claim.chime made no effort to check with XXXX to see if I had an order on my XXXX account at all for the {$260.00} amount charged on my card, they did find the charge on my card but see it wasn't made by my account. I even tried to call XXXX to stop the order someone else made immediately and they also refused to help because I had no order number because IM NOT THE XXXX ACCOUNT HOLDER. Chime refuses to refund me saying there was no error made. It was fraud not an error. They have no clue what is going on as they do not listen. I want my money back they never properly invested in contacting XXXX to ask if my XXXX account shows an order at all for that amount.nor did they bother reading the XXXX email I forwarded them saying they flagged the other account for fraud.how do you deny a claim whiteout properly investigating with the company that received the money from a stolen card number? XXXX said there is no reason and it's concerning that chime has done with and will be in contact with chine to question why I was denied my money back.in my XXXX with chime I have never had a problem but the first time I do have a problem I begged them to stop payment on as soon as it happened they act like I'm a liar. If I was lying I would not have called right away apon my text alert of the charge to stop this from going on. I sent them the email yet was told they determined there's no error and I won't get my money back, yet they didn't investigate with XXXX to even see that I was not the one who made the order or who it's shipped to. This is a horrid policy and damages their customers funds that are kept with chime. My money XXXX be refunded according to XXXX. Chime has done a XXXX loyal customer wrong
Product: Checking or savings account

Received a letter from Comerica Bank about an open checking account on XX/XX/XXXX. Called Comerica Bank, spoke with representative indicated I did not open the account. Informed the account was caught by the fraud department. Account was opened on XX/XX/XXXX and closed on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

They wont give my back XXXX XXXX, Thanks for getting in touch! 

In my previous email I mentioned that I was referring to the email screenshot you sent with 4 transfers in an email from Wise. Those are the ones we saw were already refunded. I've attached the screenshot you sent us for clarity. 

You have now confirmed that these other 4 transactions are the only transfers you are stating were not made by you. 

XXXX ( https : XXXX ) - XXXX USD XXXX ( https : XXXX ) - XXXX USD XXXX ( https : XXXX ) - XXXX USD XXXX ( https : XXXX ) - XXXX USD We will be sending you our final response shortly. 

Thank you, XXXX Complaints Officer | Wise XXXX XXXX XX/XX/2023, XXXX XXXX XXXX ( https : XXXX ) - XXXX USD XXXX ( https : XXXX ) - XXXX USD XXXX ( https : XXXX ) - XXXX USD XXXX ( https : XXXX ) - XXXX USD Those havent been chargeback. My bank told me you declined those claim. You havent refund me those yet. 


XXXX XXXX ( Wise ) XX/XX/2023, XXXX XXXX Hello XXXX, Thanks for getting back to me so fast. 

From the screenshots ( to confirm with you ) you're stating that the following transfers were not made by you to this recipient : XXXX - XXXX USD XXXX - XXXX USD XXXX - XXXX USD XXXX - XXXX USD XXXX - XXXX USD We're aware that you've already filed chargebacks with your bank for the XXXX transactions in the email screenshot and thusly have already been refunded. 

Please let me know if I've misunderstood anything. 

Thanks, XXXX Complaints Officer | Wise I didnt even talk with someone from fraud department? I got spam. I told my bank. They told me I could speak with you about this matter. This person hack my account and took my money. What should I do? This is ridiculous. All they say is Wise doesn't help me in any way. I will never do business with your company if you don't protect my account. I have lost XXXX from your business. You won't even investigate it. You keeping saying you don't get involved with dispute. 

The person is blackmailing me and forcing sent email to you. He make me screenshot and sent email to me. I told my bank. He might come back to me and my family. First he targeted my school and classmates XXXX customer is blackmailing me. I am scared of my life. I think he is trying hack my account before and sent himself the money. I have called my bank about this.
Product: Vehicle loan or lease

XX/XX/2018 I entered into a deferment plan with finance company believing that it would bring current but, far from what has happened. This company excessive deceptive acts in applying fees and making it impossible to contact or reach them is horrific.I have request real time payments of account and cant get that info. According to my records i am current and showed an amount of credit. This company bills 30 day in advance and reports me late to Credit report agency sa being late every month. I am a online account holder who pays on line every month but they have now locked me out of my account due to excessive fees that no one can answer to. my online account will not allow me to process a monthly payment. its locks me into only paying the excessive amount onXXXX be paid so it will not take monthly payment of XXXX. Called spoke to supervisor forwarding info they requested and never heard back till i tried paying my bill today.
Product: Credit reporting or other personal consumer reports

To whom it may Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX. My only social security number is : XXXX. My only and correct date of birth is : XX/XX/year>. I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was part of the XXXX credit information hack. In addition to lack of personal notification that ALL of my personal and financial identity information was compromised, I find it unacceptable that I have to PAY to freeze my credit when I did NOT consent to my information being stored by XXXX, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I informed them that it was fraudulent information that they saying that belongs to me. If any reinvestigation under paragraph 1of any information disputed by a consumer, an agency shall promptly DELETE that item information from the file of the consumer.