23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

We have been paying this loan for a year now and still have the same balance as we did when we began! We understand that there is interest but it seems grossly unfair that none of the payments we made have been applied to the principal. We got this loan during a very rough time and were told later that it is not really a " loan '' but a " pawn ''. We seek justice in this matter and would like to be released from this " pawn '' and for the debt to be considered satisfied as we have paid the loan off more than twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this compliant non influence by a third party. I am a victim of identity theft and these companies are reporting inaccurate information. I have attached supporting documents.
Product: Mortgage

We recently refinanced and our loan is with United Wholesale Mortgage. The first payment was due in XX/XX/2021. We paid the first payment on XXXX XXXX. They lost that payment. So when we paid the next month in XXXX ( for XXXX payment ) they applied that payment to XXXX. Same thing happened in XXXX for XXXX. We've been in contact with the company since XXXX. We've sent proof of payment twice - once from our bank. I took the afternoon off to call and get it resolved. I spoke to a few people, got transferred around, and ultimately got disconnected after 2 hours on the phone. They have been given all of the documentation proving we've paid the payments on time, but our account remains delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an unauthorized personal loan which was taken out in my name with Citizen 's Bank in XX/XX/2019. I did not know about this loan until XX/XX/2019 when I received a letter stating that they have not received payment for this loan. I explained to them that I have not authorized this loan and did not received any monies from Citizen 's Bank. I fill out all of the paperwork requested of me by Citizen 's Bank, I had a police report file as well as the letter from my bank stating that no money from Citizen 's Bank was deposited into any of my accounts and was sent to Citizen 's Bank Fraud Department. I also put a freeze on my accounts at all of the 3 credit reporting bureaus and filed disputes which each of them. After dealing with Citizen 's Bank Fraud Department, I only receive letter stated that they are denying my claim. No reason or documentation was provided regarding the denial. I'm having a difficult time contacting them as they do not answer their phone number. I continue to send them faxes providing documentation showing that I did not authorize this loan. No response from Citizen 's Bank, accept for a pre-printed denial letter generation. Please help me to clear up with situation with Citizen 's Bank. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm 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 : //www.ftc.gov 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

On XX/XX/2017, I visited a gas station merchant, XXXX, whom I frequent to purchase gas. I always use my debit card w/PIN number to do so. On this occasion, the point of sale did not process, so I decided to try another pump and yet again, the point of sale did not process. I asked the attendant inside if there was a problem with the pump and that person indicated that he was n't aware of such. I then attempted to use another ( 3rd ) pump but again, no luck. I immediately contacted my bank via phone to determine the problem. The bank rep I spoke to advised that the gas merchant had placed FIVE holds on my account for each transaction, attempted or otherwise, in the amount of {$91.00} dollars. Yet, I explained that while that has not happened in the past and if even so in this case, I had the funds on hand well over the amount of {$91.00}, so why is the transaction not being process. I was then advised that since I made three attempts in addition to two other holds the merchant had on my account, totaling five, my account was now in a negative balance. I was completely frustrated and to no resolved could I get the bank rep to understand that this hardship should not have occurred since my account had the available funds. On XX/XX/2017, ( today ), I decided to investigate this issue further and found that by all accounts on-line, when a consumer uses a debit card with a PIN-number, a hold is not placed, or should not be placed on the consumer 's account since the transaction is immediate. Based on other reports, the instance where a hold is placed, the funds are made available within the hour since a PIN-number is used. Moreover, by all reports, the merchant is not responsible for holding up your funds, the merchant ONLY SETS the amount to be held. Thus, it is the bank that HOLDS the consumer 's funds. Thus, I immediately contacted my bank again to voice my concerns for their FAULT at withholding my funds and to vent my frustration as to why the bank did not allow my point of sale for the gas to process. I was met with resistance for resolve and even after speaking with a so-called supervisor, who YELLED at me, while no less agreeing with me that it was the bank 's fault, I am still left with frustration. I have also incurred an overdraft fee on my saving account in the amount of {$2.00}, along with the held-up funds of {$430.00} dollars, all of which I demanded be released and credited to my account expeditiously. I feel that I have a right to such, since the bank is clearly blaming the merchant and faulting me. Moreover, I had available funds to cover my costs and should not have even been subject to the pre-authorization hold since I ALWAYS use a PIN-number with my debit card. PLEASE intervene here and help me to resolve this issue forthwith.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

I tried to dispute about 40 transactions by a company named XXXX which is a ride share company similar to what we have here in the United States called XXXX or XXXX only XXXX doesn't offer it's service in the United States. I live in XXXX XXXX XXXX Utah. I have never been out of the country USA. I have never even been on an airplane. And you can see I made purchase in XXXX XXXX XXXX the same days someone was using my card to take ride shares in XXXX. How can I be in 2 different countries at the same time. I have proof from the company XXXX telling me they don't operate in the USA. Well I sent all this into my bank and the denied my disputes totaling in almost XXXX XXXX Not includeding this is my only bank account and my account has been on hold or I haven't been able to properly use it in months. I'm am not happy.
Product: Credit reporting or other personal consumer reports

Any accounts linked to my profile not associated with an account, I did not authorize or ask for an inquiry to be made on my behalf.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX ( Original Creditor : 11 XXXX ) XXXX
Product: Checking or savings account

My capital one 360 high yield account changed to a 360 performance account.
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 : //www.ftc.gov 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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: Consumer Loan

Check n ' Go online continued to debit my account XXXX pay periods in a row after my loan was paid off totaling {$630.00}. I have been contacting customer service for the past month ( XXXX times in total ) inquiring about my money. The representatives continually tell me that the check was mailed out to me on the XXXX of XXXX and it should take XXXX business days. As it currently stands XXXX XXXX XXXX 2015 XXXX, it has been a month since this apparent check has been sent out. I have confirmed my address multiple times with the representatives and the only answer I receive is " I do n't know where the check is. '' Additionally, they claim to have put in expedited requested to the accounts payable department, but do n't get a response. If I take a loan out I can get my money in XXXX hours, but when it comes to money that is owed to me it takes over a month. This is very poor business practice. I have requested multiple times to have someone contact me and please provide an explanation as to the status of my refund, but still nothing. Since they XXXX took additional funds out of my account it has been nearly XXXX months and they have yet to refund a XXXX dollar or make any effort to even though they admit to owing me the money.
Product: Checking or savings account

I have a checking and savings account with Ally bank for years. As they are very good bank and offer very good services ( including customer services ) - it seems their customer base has really increased ( more than what they even expected ). 
With such a higher volume I don't think they are able to scale up their operations which results in too many frequent maintenance events ( downtime, system not available ) and various IT errors. Can't really comment on their IT staff as it is below expectation according to me ( based on my XXXX yrs of XXXX experience ). 

On or about XXXX XX/XX/2019, I wanted to transfer {$10.00} from my savings account to checking account. Due to Ally 's mistake it got transferred 3 times. Essentially that means I incurred 2 additional withdraw transactions from my savings account. 

When i reported this to Ally, they said we can't reverse it but if there is a situation we charge you fees of exceeding more than 6 transactions from savings, reach out to us and we will waive it. 
It happened to me yesterday that just 2 days before the statement cycle-i exceeded 6 transaction. But now ally customer service is not honoring their words.
Product: Debt collection

I have paid off my debt and there still taking money out of my bank account. I have tried to contact Weltman , Weinberg & Reis Co. LPA several times during there open hours and left them messages telling them the times I'm available and they only call me while I'm at work. XX/XX/XXXX was my last full payment of {$200.00} and then XX/XX/XXXX was going to be my last payment of {$3.00} but was charged the full {$200.00} then was charged another {$200.00} in XX/XX/XXXX.
Product: Debt collection

LVNV Funding LLC is trying to collect on an unknown debt for XXXX XXXX XXXX in the amount of {$650.00} dated XX/XX/2017. I have contacted them and the credit bureaus. No one has provided an original signed contract or any identifying documents such as my ID. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this XXXX  complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian : Has a past due account from XXXXXXXX XXXX that shows a delinquent status. I dispute the account and it was removed On XX/XX/2023 report. Experian then put the account back on my XXXX report. A direct violation 15 USC 1681. Experian also, failed to notify within the 15 day window as to why the account was put back onto my credit rep report. How was the investigation done. This is having a direct effect on my credit score.
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I trust this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, associated with the email address XXXX. I firmly believe that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for an extended period, I have consistently adhered to PayPal 's terms and conditions. Maintaining a positive and trustworthy relationship with PayPal is paramount to me, and I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation.

I kindly request that PayPal conducts a thorough reevaluation of my case, carefully examining the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only relieve my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process expeditiously. If there are specific documents or details required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX
Product: Mortgage

Our mortgage company Mr cooper sent us a letter stating our insurance company must have a grade b or higher, I called our insurance agency XXXX XXXX they told us they had a grade b and resent a copy of our housing insurance policy via mail. We got a second letter stating the same thing, this time we used there portal to provide proof of insurance and had our insurance company fax proof of insurance. We heard nothing for a few weeks and assumed the issue had been sorted. 1 week after our insurance date lapsed our insurer informed us they still hadnt paid and we would go uncovered if we didnt pay by the end of the month. After hours of phone trees I finally got ahold of a Mr cooper representative to informed me they actually require a b+ rating and they would not pay our insurer. I found new insurance as quickly as possible and got it going again but now our mortgage company is trying to charge us for carry over insurance XXXX. During that time we had coverage which they failed to accept but it was only an issue because they sent us faulty information.
Product: Checking or savings account

I received a call on XXXX XXXX it said from XXXX XXXX XXXX XXXX XXXX XXXX. They said they were from the fraud dept. I was asked if I made purchases from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I told them No i didn't make those purchases. They sent me a text unusual activity on debit card XXXX for XXXX from XXXX XXXX, XXXX XXXX, Florida. I was instructed to click Yes and they would dispute these charges and get my money back into my accounts. They read my ss number to me. They also said they had my PIN numbers. Then they said as a courtesy they would contact XXXX fraud dept. for me. Then someone got on the phone saying they was with XXXX  fraud dept. I was told someone made a request for payment through Zelle. A male posing as a supervisor. They instructed me to sign up for Zelle and say Yes to the payment request. I was told that XXXX was the supervisor. He would freeze my checking account and set up a new checking account and he would put the money back in the new account. He said someone would phone me on Friday morning. I went to XXXX XXXX XXXX. They said they didn't phone me and there was no employee named XXXX XXXX ( the name I was given when they called me Thursday. They closed all my accounts and gave me a new account number and new debit cards. I then went to XXXX  bank and disputed the Zelle payments. XXXX  closed my account and gave me a new account number and debit card
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally request the urgent removal of inaccurate information from my credit report, maintained by Experian. Despite my previous efforts, including a report submitted on XX/XX/year>, these inaccuracies remain unaddressed. This situation requires immediate attention and resolution. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, mandates that credit bureaus ensure the accuracy of the information on credit reports. Additionally, under consumer law, any information that can not be verified must be promptly removed. The failure to respond to my initial report and the subsequent inaction has caused undue harm to my credit score and financial health. As a result, I am providing you with a final notice to rectify and remove the inaccurate information from my credit report within five ( 5 ) business days from the date of this request. Failure to comply will necessitate further action, including contacting the Consumer Financial Protection Bureau ( CFPB ) to monitor this situation closely and ensure compliance with federal regulations. Please find below the details of the inaccurate information for your reference : I trust that you will address this matter with the urgency it warrants. Please do not hesitate to contact me should you need any more details or documentation to facilitate the resolution of this issue. Thank you for your immediate attention to this urgent matter. I look forward to your prompt response and assistance.
Product: Credit reporting or other personal consumer reports

They are reporting 30 days late on this account however this are billing error acct was never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, Experian, and Equifax all reporting a credit card negatively. XXXX XXXX XXXX Bank ending in XXXX in the amount of {$920.00}. 
Transunion has XXXX credit inquires. None are mine, Equifax fixed the inquires on there report but Experian and Transunion are reporting incorrect/fraudulently made inquires still. 
Equifax reporting Negative/Collection account in the amount of {$1900.00} from original XXXX XXXX opened before I was even legal age of XXXX. XX/XX/2016 2016
Product: Debt collection

I have received multiple ( wrong number ) calls from this company. They are requesting to speak to a family member whom I have very limited contact with. This morning a voicemail was left regarding this individual and also saying that they were going to contact the employer of this person. I returned their phone call to tell them that they had the writ number and also to notify them that the practice of calling someone 's employer after a phone call is illegal. The representative became irate, yelled at me, and hung up as I told them that I would be filing a report.