23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( {$980.00}, Opened XXXX. XXXX, XXXX ), XXXX XXXX ( Balance : {$130.00}, Date Opened : XX/XX/XXXX, Original Creditor : XXXX XXXX XXXX ), XXXX XXXX ( Balance {$51.00}, Original Creditor : XXXX XXXX XXXX ), XXXX XXXX ( OpenedFeb. XXXX, XXXX, Balance : {$570.00}, Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX  ( Reported : XXXX. XXXX, XXXX, Balance : {$170.00} ), XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$190.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, WI XXXXXXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX : {$62000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$890.00}
Product: Debt collection

On XX/XX/2022 I discovered that Caine & Weiner were reporting that I owe an amount of {$310.00} and it is greatly affecting my credit report. I sent correspondence out on the same day to address the matter. I requested that they send validation of the alleged debt in a timely manner and they did not send anything that would validate that I owe them that amount. I have no contract with this company and they're reporting fraudulent information that is damaging to my person.
Product: Credit reporting

My concern is something I do not believe this agency addresses but needs to. I have no late payments. None! I pay my credit cards off XXXX, for years. I earn in excess of $ XXXX per year. My house is almost paid for and I have another home that has no mortgage that my parents live in. I present no credit risk what so ever. My debt to income ratio should be extremely low. Yet, XXXX credit agency, Transunion, has my score at XXXX. Why? The other XXXX agencies have me as high at XXXX and I think those scores are low. As a consumer, I have no way of understanding their computation and getting an answer from those people is not possible. In no way are these agencies focused on consumer protection. That is why the cfpb exist in part. It seems to me the credit rating agencies assess risk as related to credit payment history, income, ( it should reflect total net worth ) and other factors. If I am ( including all liquid assets ) in fact debt free, why are my scores so low? This cost me money. Is this all some sort of scam? A way for lenders to charge higher interest rates to consumers that are worthy of premium rates? Is there collusion between lenders and XXXX or more credit reporting agencies? Maybe the government turns a blind eye to this? I am by no means a conspiracy theorist but the amount of money that could be generated by falsifying or intentionally degrading peoples credit scores, must be massive. I will start a lobbying effort surrounding this and demand congressional hearings to get to the bottom of this. I assure you this letter/electronic communication will be part of the record, including you, the person reading it. I hope you have the integrity to work this issue to completion including escalating this issue as is appropriate. Any other action should be considered full involvement in a cover up.
Product: Debt collection

In the crash of 2008, XXXX XXXX wrote off my credit card debt while I was in Chapter XXXX. A few months ago, I started getting letters from Resurgent Capital Services L.P., XXXX XXXX XXXX, XXXX MI XXXX. They use XXXX XXXX XXXX XXXX SC, XXXX as an address. XXXX. Resurgent " manages the above referenced account for PYOD LLC. Not only did XXXX write off the debt, but collection of the debt is time barred by Arizona 's statutes of limitation. I believe Resurgent/ PYOD is attempting to collect debt from numerous parties all over the United States , preying upon the ignorance of debtors who debt was discharged or no longer collectible. Resurgent dupes the debtor into acknowledging the debt to reinstate it by fraud.
Product: Debt collection

On XX/XX/XXXX, I contacted Midland Credit Management Inc., disputing the debt and asked for a verification letter in which I have not received. They are garnishing my wages in which they have not verified the debt. The sent a letter of garnishment to my place of employment in which I did not give the permission nor did I provide the address to my place of employment. On XX/XX/ I sent a cease and desist letter certified mail and they have chosen to ignore the letter and continues to take my money illegally.
Product: Payday loan, title loan, personal loan, or advance loan

I am trying to verify my loan was offered under the terms of the lawsuit and restitution won by the XXXX. 
If the Company is accountable for continuing illegal practices.
Product: Credit card or prepaid card

The account was suddenly closed for no reason and about {$5000.00} in rewards were stolen from me by citibank. The account was restored but not the rewards.
Product: Credit reporting

Good Afternoon This is a complaint about Transunion I would Like to continue my dispute with Transunion about reporting false information and ILLEAGAL INFO about me If you look at the documents that i attached to this complaint this is from Transunion orginal credit report on XX/XX/XXXX they are reporting a 30 day late I have sent Transunion proof that I paid XX/XX/XXXX on time. Ok XX/XX/XXXX they report a Ok ( paid as agreed ) NOW WHEN YOU LOOK AT XX/XX/XXXX They reported a 60 day late. How in the XXXX is that possible?? Transunion this is against the LAW FOR YOU TO REPORT NEGATIVE IN FRAUDULENT INFORMATION ABOUT A CONSUMER I ASK YOU TO REMOVE ALL LATE PAYMENTS THAT YOU ARE REPORTING ON THIS ACCOUNT AS NONE OF THIS INFORMATION IS TRUE. IF YOU ARE UNABLE TO DO SO I ASKED YOU TO PLEASE CONTACT XXXX AND HAVE THEM SEND ME PAYMENTS FROM XX/XX/XXXX UP UNTIL XX/XX/XXXX BECAUSE I KNOW I WAS NEVER LATE WITH THESE PEOPLE I WILL NOT CONTACT XXXX BECAUSE THEY FAILED TO RESPOND TO MY REQUEST SINCE YOU ARE reporting This false info about you I want you to remove this information as you are running my Good name
Product: Payday loan, title loan, or personal loan

On XXXX I took out a loan of {$200.00}. As of XXXX I have paid back {$260.00}. On XXXX and XXXX of XXXX I tried to pay off the entire loan, but their website would not accept my payment. I tried e-mailing the company on XXXX and received a response on XXXX that basically told me to go on line to pay off my balance. I tried again, and had the same issue. on XXXX the amount to pay this loan off was {$200.00}, and on XXXX, the amount went up to {$210.00}. They tried twice ( supposedly ) and told me that my bank declined the payment. They then told me that they could process it the same way that the bi-weekly payments have been coming out, but that they could not process it until Tuesday, XXXX, and the amount would be even higher. Then when I complained about how difficult they were making it to pay off my loan they told me to call my bank to authorize the payment, but every day that passes, the pay off amount continues to go up. 

This company needs to be shut down.
Product: Student loan

The lender Sallie Mae stated that they were unable / unwilling to follow my written payment allocation instructions. I used the CFPB guidelines for my instructions found at http XXXX Dear Sallie Mae , Inc. , I am writing to provide you instructions on how to apply payments when I send an amount greater than the minimum amount due. Please apply payments as follows : 1. After applying the minimum amount due for each loan, any additional amount should be applied to the principal of the loan that is accruing the highest interest rate. 
2. If there are multiple loans with the same interest rate, please apply the additional amount to the principal of the loan with the lowest outstanding principal balance. 
3. If any additional amount above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the principal of the loan with the next highest interest rate. 
It is possible that I may find an option to refinance my loans to a lower rate with another lender. If this lender or any third party makes payments to my account on my behalf, you should use the instructions outlined above. 

Retain these instructions. Please apply these instructions to all future overpayments. Please confirm that these payments will be processed as specified, or provide an explanation as to why you are unable to follow these instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX The account was to be REMOVED account was a account associated with Fraud of a Loan product that lead to loss of primary residence in 2007. 
I have written to XXXX  XXXX XXXX XXXX, your agency and Trans Union and XXXX  are still reporting this lowering my scores for years! Please reach out to them both I will attach the document which indicated the bank decision after the Fraud Case and The Federal Governments Decision to make XXXX  XXXX XXXX XXXX  correct the account. My problem is is this account was removed and placed back onto my XXXX  and Trans Union Reports after all the years. This needs a resolution immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX 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

XXXX  signature - was not able to make payments on line using my XXXX account - spoke with gentleman and he didn't understand why the website was not accepting my payments. 
He said keep trying or try to pay with another card, which is not possible. It's still not working. I thought what kind of bank is this? Months later I get a call to make a payment over the phone, I refused. I'm XXXX and I figured it was a scam. 
Yesterday, this bank magically appeared on Experian, but not the other reporting companies, as a charge off. Now I am being turned down for my XXXX Mortgage. My XXXX XXXX is over XXXX on the other credit companies and Experian has me at XXXX. 

Then, I heard XXXX  bank was shut down. Now over a year later, no mail from them or any communication.
Product: Mortgage

I was trying to refinance our XXXX in FL with AmeriSave. I was originally quoted a $ XXXX cash out refinance with and a buy down rate option. When I was sent the disclosures the Loan Officer, XXXX said he forgot to include the $ XXXX cash out but to sign the documents to get the loan started and he would make the amendment. I paid the {$500.00} deposit on XX/XX/2020, which was said to be refunded at closing. I then waited several weeks with no one returning my calls, I submitted documents they requested but could not get anyone to speak with or email me back.. I did continuously receive text messages from the company that were computer generated stating that if I needed help to reach out to my loan officer. After several weeks of no contact, XXXX finally called me to say the laws had changed and I could not get the $ XXXX cash out. I said okay then I do not want to move forward with the loan, please refund my {$500.00}. He said okay and let 's talk in the future if the laws change. I agreed and waited for my money to be refunded, which it never was. After multiple calls to XXXX he finally informed me my money would not be returned because an appraisal was conducted. I never received a copy of said appraisal nor would I accept this as the reason for not refunding the {$500.00}. The terms of the loan were never correct and I feel like I have been a victim of predatory lending and a bait and switch. I have called the company at least 10 times for help and no one will call me back.. I am asking to please have AmeriSave refund the {$500.00} to me immediately. Thank you.
Product: Checking or savings account

The date of XX/XX/year> I received a text stating that they have detected suspicious activity on account and that restrictions and protections were placed from M & T bank I spoke to multiple sales reps and a supervisor plus fraud protection and they stated that my card was closed and they put a hold on my account. I explained to them that this account is my way of paying my bills and if Im not able to do that its a big issue. I have bills to pay and I need access to my account. I pay my car payment and insurance through account and I need to be able to pay bills. This is not fair.
Product: Credit card or prepaid card

XXXX XXXX  ( aka XXXX XXXX payments ) refunded to my account {$11000.00} that I have a refund slip. It was sent to the original account ComenityXXXX XXXX Credit Card opened XX/XX/XXXX. The account was closed and paid in full XXXX, XXXX. The re-assigned credit card number is on my credit report. The refund fromXXXX XXXX was made XXXX, XXXXI have called so may times to Comenity bank and the same thing over and over is stated. You do not have a credit card with Comenity Bank. I have the listingon my crdit report and I have a credit card statement with my name, account number, address, etc. I paid off the {$11000.00} XX/XX/XXXX. I did so because of the interest, etc. There is a whole long story behin thisXXXX XXXX XXXX REFUNDED THE MONEY TO COMENITY BANK XXXX XXXX, XXXX. They stated their policy is to send to the original purchase point. I have a dialogue with XXXXXXXX XXXX. I sent a USP priority Mail packet with all the documentation I have to Comenity Bank XXXXs XXXX XXXX XXXX XXXX, XXXX. The tracking on this packet stated Comenity received this packet XX/XX/XXXX, XXXX dI received a letter bacvk thaat the account is closed and the balance is zero. SO what happened twith the {$11000.00} refunded by XXXX XXXX. I have documentaTION TO SUPPORT MY COMPLAINT. I can uplod my credit report pages as well. I have not scanned them as yet.
Product: Payday loan, title loan, personal loan, or advance loan

It has been an ongoing issue. They draft my account on the wrong dates. Today for example XX/XX/year> they tried drafting my account when the due date isn't until XX/XX/year>. 
This is a recurring issue. When the payment is late. Quite literally within the same day they will harass ( not just call ) by phone, email and even text from a personal number. To an excess of 11 times within one day. That is to myself and all references listed on my account. They have lied to me. In regards to getting information. Have incorrectly debited the wrong account. They will repeatedly try with accounts that I have used for payments that is not the method of payment or account listed in the loan agreement. This behavior has happened even after agreements have been made about when late payments would be settled.
Product: Student loan

On XX/XX/XXXX, I received a letter from Federal Student Aid that I am eligible for forgiveness on my outstanding loan serviced by MOHELA. The letter stated, " Your loan servicer will send you a communication about XXXX forgiveness within XXXX business days. You don't need to take any action as you await this update from your loan servicer. To monitor the status of your loan forgiveness, ou can log into your account with your servicer. Congratulations on reaching XXXX qualifying payments for XXXX XXXX XXXX XXXX. '' XXXX business days was XX/XX/XXXX. I received nothing but a bill for payment due XX/XX/XXXX. 

MOHELA has already forgiven one of my loans, this notification was specific to the outstanding loan. I reached XXXX payments in XX/XX/year>. 

Federal Student Aid blames MOHELA and MOHELA blames Federal Student Aid. Neither provides information or assistance in response to my inquiries or complaints. They just tell me to contact the other no matter what I ask. 

MOHELA is demanding payment on a loan that shouldn't even still be outstanding, and once that loan is finally forgiven I'm sure they'll take another XXXX months to process the refund. Meanwhile, XXXX is processing forgiveness for their borrowers with no issue. 

XXXX XXXX XXXX is providing inaccurate and misleading information. MOHELA is providing no information. I'm beyond frustrated with this process and I'm tired of not getting any answers.
Product: Credit reporting or other personal consumer reports

TO YOUR COMPANY. I HAVE SENT DISPUTES FOR ACCOUNTS ON MY CONSUMER REPORT. 
AFTER THE DISPUTES WERE FINISHED, THEY CAME BACK UPDATED AND VERIFIED. 
THE ACCOUNTS THAT I HAVE DISPUTED STILL ARE REPORTING INACCURACIES IN THE DATE OF LAST ACTIVITY/STATUS DATE AND THE PAYMNET HISTORY. 
I OBJECT TO OPENING ANOTHER DISPUTE ( DO NOT OPEN ANOTHER DISPUTE ) I OBJECT TO OPENING ANOTHER REINVESTIGATION ( DO NOT OPEN ANOTHER DISPUTE ) I am now requesting which is my right under the FCRA THE METHOD OF VERIFICATION USED FOR EACH INDIVIDUAL ACCOUNT LISTED FROM MY PREVIOUS REQUEST. 
I OBJECT TO OPENING ANOTHER DISPUTE OR OPENING ANOTHER REINVESTIGATION. ONLY GIVE ME THE METHOD OF VERIFICATION ONEACH INDIVIDUAL ACCOUNT AND NOTHOING ELSE WITHIN 15 DAYS. 
IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED UNDER THE FCRA, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY in my last request. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA.
Product: Money transfer, virtual currency, or money service

Beginning XX/XX/XXXX my account was socially engineered. Between XXXX and XX/XX/year> over {$15000.00} had been unverified transferred out from my account. This also impacted three other external accounts Im not affiliated with. An elderly woman was socially engineered to providing the information for these transactions to take place. We have filed complaints with our banking institution, First Interstate Bank. After their initial research they believe there is nothing they can do for us and the money is unrecoverable. They state my mom walked into the building to approve of these transactions. My mom is heavily XXXX. She does not walk when not necessary. It will be visibly evident in any video recording that any person attempting to replicate my mom will not replicate her walk. She has a XXXX XXXX XXXX. The person they are saying that came into the bank and impersonating my mom initiated over {$25000.00} in withdrawals over a three day span amongst numerous accounts. My mom is elderly and is going to XXXX  from the XXXX  of this victimization. My bank has said there is nothing they can do for recovering any of the funds. This is straight up XXXX.
Product: Credit reporting or other personal consumer reports

ALDOUS AND ASSOCIATES 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency make take any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681 S-2 ( A ) ( 1 ) 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 information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX closed my account without my consent and opened and reported a new account on my credit report which in turn destroyed my credit. I would never have consented to a new account since XXXX and it's customer service are horrible. I've called and was told they ended the advantage program and took the liberty to start a new account without my permission or knowledge. Had I known they planned on adding a new account to my credit report I would have told them no and refused to open a new account since I keep track of and know my credit. Just because a business decides to do whatever doesn't mean they are allowed to irresponsibly report and negatively affect it's customers. I closed the account but need all information dealing with it removed from all my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling a copy of my credit report. I noticed that Equifax is reporting XXXX XXXX -account number XXXX and XXXX XXXX my credit report reporting non compliant information in which i have disputed this account several times in which Equifax has continued to ignore my request. I send several letters certified with return receipt as well as a notarized letter and they still ignored my letter sending a generated letter stating they have verified information with nothing else attached and at the same time ignoring my letter all together. I have found several UNPROVEN TO BE COMPLIANT much less TRUE, complete and accurate allegations of Accounts that appear to be not in lawful compliance to reporting regulations or else wise improperly reported and transferred by other lender/servicers on the report. I understand my rights and that is why I send Equifax a written notice of my consumer demand checking for federally required proof of compliance even to the metro 2 data field formatted regulatory reporting obligations as a specific mandate due to the CRSA enactment and implementation of the standardized CDIA sponsored Metro 2 Compliance rules. The Fair Credit Reporting Act dictates that every single one even each any and or all accusations of debts, true or not, must be accurately and timely reported in all deferment/transfer cases.
Product: Checking or savings account

They have a transaction processing system that is generated to charge me, the customer, a fee when there is no reason to do so said Bank does not allow the customer any time period - however minor as it can or should be, to monitor or even correct their account 's ever changing balance is it because they want to charge fee s. Said Ba nk sent me an email at  XXXX  in the morning charged my and over draft fee and my deposit came  in 2 ho urs later prior to that - I had enough money in my account. I have also complained that they are still sending me financial statements to my house after I have told the for over 6 months and change preferences to reflect that. I am appalled that after speaking to a m oney manager  that she could not or would not offer any solutions.pnc I just spent time away from job to waste time speaking to someone who had nothing to offer me. I do not trust this bank.