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

On XX/XX/XXXX Thrifty Loans located at XXXX XXXX XXXX, XXXX, LA XXXX ask for my permission to have a payday loan fee of {$55.00} taken out of my bank account. I authorize this transaction to take place on XX/XX/XXXX. There are XXXX payday loans taken out in my name at this location. XXXX payday loan fee is {$55.00} which is due the XXXX of the month. The XXXX payday loan fee for {$55.00} is due the last day of the month. The same Thrifty loans employee contacted me again asking for another payment of {$55.00} on XX/XX/XXXX. I advised her that the payment should've been paid on XX/XX/XXXX already. This set off an alarm for me so I pulled up my bank transaction history and realize that XXXX payments of {$55.00} each were taken out my account by Thrifty Loans on XX/XX/XXXX. I immediately contacted Thrifty Loans employee by phone on XX/XX/XXXX to explain that a refund should be processed because the employee over charged me. The employee stated that her manager sent her an email and the refund was already being processed. On XX/XX/XXXX I received an text message from the same Thrifty Loans employee from XXXX at XXXX " ok my boss said instead of reversing the charge they just gon na use it on your next payment due date. '' I immediately responded and declined. I advised the employee to again issue a refund for the {$55.00} that was charged to my bank account without my permission. On XX/XX/XXXX I recieved another text at XXXX " ok I will see what they can do because it was a card payment not cash let me get with my boss. You don't come back in until XX/XX/XXXX and XX/XX/XXXX. '' I replied at XXXX XXXX again asking that the company reverse the unauthorize payment of {$55.00} that was charged to my account on XX/XX/XXXX. The employee text me at XXXX XXXX " i will reach out to my boss to see what can be done but a refund is going to take XXXX business days it depends on your bank. '' I responded " I wish the refund was processed on XX/XX/XXXX per my request. '' I have called the Thrifty Loans in XXXX XXXX, LA and spoke to XXXX on XX/XX/XXXX and again on XX/XX/XXXX to see if she can get the manager XXXX to solve this issue. I also called the Thrifty Loans located in XXXX, LA and left another message for the manager to contact me. I was able to get the manager personal cell phone which I've called and text her on XX/XX/XXXX. No one from the company has reached out to resolve this issue and as of XX/XX/XXXX I have not been issued a {$55.00} refund.
Product: Checking or savings account

I am a hospice caregiver and am usually paid cash each week. You can see my weekly cash deposits. The last XXXX weeks has been via checks and the first XXXX were deposited via the mobile app and {$220.00} was made available the next business day and the remainder the following business day. That was until yesterday when it said it was placing a hold until Friday ( 5 day ). I cant wait that long. Unfortunately because the app states I have to write for mobile deposit only on the back, its prevented me from cashing it at XXXX XXXX. So now I had to wait to go inside my local financial center and there was no hold prompted or placed. Now Ive been notified its a 7 day hold and funds wont be available until XXXX XXXX. This is absolutely ridiculous, unnecessary and wholly unwarranted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened XXXX. XXXX, XXXX, Balance {$43000.00} ), XXXX ( Date Opened XXXX XXXX, XXXX, Balance {$0.00} ), XXXX ( Date Opened XXXX XXXX, XXXX, Balance {$0.00} ), XXXX ( Date Opened XXXX XXXX, XXXX, Balance {$0.00} ) .Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the following account from my Equifax credit report, as they were recently deleted from my XXXX credit report following a dispute and investigation : XXXX XXXX XXXX XXXX  CC {$1100.00} Account Number : ... XXXX Investigation Completion Date : XX/XX/year> Status : Deleted from XXXX report. 

Following my dispute with XXXX, these accounts were thoroughly investigated and deemed unverifiable. As a result, XXXX has completely removed these accounts from my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I now request that you, as a credit reporting agency, take the same action to ensure the accuracy and integrity of my credit report. 

Additionally, I have filed a complaint with the Federal Trade Commission ( FTC ) to document and report these issues further. 

Consumer Protections Under the FCRA : FCRA Section 611 ( 15 U.S.C. 1681i ) : Requires that inaccurate or unverifiable information be promptly deleted from a consumers credit file. XXXX has determined these accounts are unverifiable, and as such, I am exercising my right to have them removed from my report with your agency. 
FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Mandates that information suppliers provide only accurate and complete information. If XXXX has deemed the information unverifiable, it is your obligation to follow suit and remove these accounts. 
Required Action : I request confirmation of the removal of these accounts within 30 days or less from the date of receipt of this letter. Failure to comply with this request may leave me no choice but to pursue the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Seek legal recourse as allowed under : FCRA Section 616 ( 15 U.S.C. 1681n ) : Provides for legal remedies in cases of willful non-compliance, allowing consumers to sue for damages. 
FCRA Section 617 ( 15 U.S.C. 1681o ) : Permits legal action for negligent non-compliance. 
These accounts deletion by XXXX demonstrates that the information is not only inaccurate but also unverifiable. The burden now lies on you to ensure my credit report is fair, accurate, and compliant with federal laws. 

I appreciate your prompt attention to this matter. Please notify me in writing once these deletions have been completed.
Product: Credit reporting or other personal consumer reports

I already typed a lot of information and the system timed out. Too much information to renter. It is about my account that needs to be corrected on my credit reports from the loan servicer NELNET at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I have incorrect information on my Credit report. 

XXXX XXXX I have either reached out to the company through phone or their portal to have my incorrect information removed.
Product: Money transfer, virtual currency, or money service

Zelle is connected to my bank and when people send me money it would never go through because they couldnt verify my phone number, but when i had the app before it got connected to my phone it was able to verify my phone number. Every time people would send me money it would go back to them.
Product: Debt collection

This matter has been ongoing with XXXX XXXX since XX/XX/XXXX. Now, XXXX XXXX has shared my personal information with the Asset Recovery Bureau, which I did not know. Now I'm receiving threatened voicemails and emails until today XX/XX/XXXX!
Product: Debt collection

I called and advised them it was not a valid debt & that I was suing the creditor. I asked for validation of the amount because it was inaccurate. Within a week, without validating the debt the collection agency reported it to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Systems Inc. Is reporting false information to my XXXX  and this is negatively impacting my credit. This company is reporting a collection of {$1400.00} This account is not mine. I have contacted NCSI on several dates, they are still reporting this account, please remove and cease reporting to any of my credit bureau 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I'm looking forward to the prompt update of the following items. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My student loans were through fedloan and they switched all of my loans to XXXX. I was given the balance by XXXX which matched my records and everything was fine. Then Im XXXX I get an alert that I have a XXXX loan all of a sudden from fedloan. I called XXXX they confirm they have all of my loans and there is nothing with fedloan. I call fedloan at that time I could speak with someone they confirmed I have no loans with them and I would need to call XXXX XXXX. I called them XX/XX/XXXX I believe and filed a dispute. I never heard back from them so I called them XX/XX/10 and they said I never filed a dispute. I was placed on hold and then was told they contacted fedloan and I do have XXXX loan with them. I went on fedloan dna webpage and it says I have no open loans. I called them but since I have no open loans I cant speak to anyone. I called back to XXXX and they suggested I reach out to you. My student loan balance is XXXX per XXXX  and per the National student loan data base. XXXX doesnt show the XXXX student loan either. This all of a sudden popping up out of nowhere has affected me applying for a home equity loan and has dropped my credit score. I am at a loss of what I can do to fix this because that is student loan debt that is not mine.
Product: Mortgage

My loan is with XXXX XXXX and I pay my bill through Loan Care. I live in Florida and am qualified and receive the 100 % Veterans reduction on my Real Estate Taxes. I was refunded in XXXX for last years taxes. I have spoken to Loan Care at least six times about them lowering my escrow deduction. They are still charging an excess amount for my escrow reserve. They have been notified by the County and State and I have sent notifications that the payment should be dropped and the escrow amount should be dropped. I have not been able to get them to acknowledge when or even if they are going to drop the amount of escrow funds. I don't want to be paying an over payment on escrow like I did last year and then have to wait for a refund. Can you help me get this problem solved? Thank You
Product: Credit reporting

Where do I start? Equifax has destroyed my credit file. I received an updated report and I am furious. They removed several student loan accounts that are in good standing, then they reinserted deleted collection accounts without giving me 5 day notice required by federal FCRA laws, and added personal information to my account that is not mine. They have broken and violated several of my consumer rights and federal laws that protect those rights. They have purposely damaged my credit reputation with potential creditors and lenders. What they have done is illegal. I AM NOT ASKING BUT DEMANDING that they fix my credit file. I am so livid right now, I am ready to sue them for defamation, violation of my consumer rights and undue stress with dealing with their incompetency. I have contacted my consumer rights attorney. Did Equifax not learn from the 18.5 million settlement they had to payout because of their incompetency to insure that a consumer 's credit file is reporting accurately and complete or the joint 45million dollar settle they had part in paying out for negligent noncompliance with FCRA laws? Do I have to sue for punitive damages for them to get their act together? At some point this becomes ridiculous and unnecessary for me to keep going through this XXXX with them. They refused to respond to my other complaints and now I am demanding that they respond and do so appropriately. I am tired of playing nice with Equifax while they destroy my name and credit file. It has to stop and it stops today.
Product: Debt collection

Portfolio Recovery Associates LLC just had some one show up to my ex-neighbors house harrassing them and leaving notes on their door regarding sueing me I can not take the repeated phone calls and letters after I asked them not to contact and harass my family and friends but to no avail today was the last straw and I have proof someone harrrased my neighbor.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by XXXX  data breach and may have got into the hands of the wrong person.
Product: Debt collection

XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$720.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$720.00} Balance updated XX/XX/XXXX Never had account. Similar person by name. iD theft. Violation of federal rights.
Product: Debt collection

XXXX reported a debt collection on my credit report due to an alleged account opened on XX/XX/year> under my name with XXXX XXXX XXXX  XXXX. The charge was {$150.00}. LVNV Funding LLV C/O Resurgent Capital Services a collection agency reported it as an unpaid debt. I contacted them to figure out where this account came from because I have been under contract with another electricity company for the last 5 years. They gathers all my information and said they needed my ssn in order to look up my account. I made the mistake of giving it to the agent who refused to give me his name and the next day I received a fraud alert of a data breach that exposed my ssn. I called XXXX XXXX XXXX  to figure out the account but they did not have any account with my name or address. This seems to be a scheme between XXXX XXXX Resurgent/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX After receiving two postcard notifications from Transunion station my proof of address was unacceptable and not being able to obtain a free copy of my credit report online I called Transunion. After verifying my identity I was informed that I would not be allowed to view my account until after XX/XX/XXXX. The explanation was that i would not be allowed to view my report until after my dispute was settled on that date. I asked did I need to send in documents requested via the postcards to verify my address or identity and she said " no. '' My issue is this : I filed several disputes via certified mail and was not allowed to check my credit report to see if Transunion was reporting my disputes on my credit report. To date I have not received any feedback on the status of any of my disputes. Upon receiving my credit report today, they have not settled my dispute to update any of my personal information requested on XX/XX/XXXX received by Transunion on XX/XX/XXXX. Their delay in allowing me access to my credit report violated my rights as a consumer and there was no resolving this with Transunion. They said what they said and did not allow me access until they were ready.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must delete any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00} XXXX  XXXX Balance : {$63.00} XXXX  XXXX Balance : {$93.00}
Product: Money transfer, virtual currency, or money service

In XXXX, XXXX, I was aware that my online wire transfer limit was between {$3000.00} and {$5000.00}. At that time, I executed a wire transfer in the amount of {$1500.00}. Wells Fargo temporarily locked my account in the event the transaction was fraudulent. 

In XXXX, XXXX, I had to go into a Wells Fargo branch in person to execute a {$15000.00} wire transfer as this amount was above my limit. 

In XXXX, XXXX, I was the victim of a reverse wire transfer fraud scheme. The fraudsters manipulated me to execute an online wire transfer in the amount of {$25000.00}. 
This transaction went through immediately with no apparent scrutiny by Wells Fargo. 

Where were the previous anti-fraud measures that I had experienced? 

When was my online wire transfer limited increased to {$25000.00}? 

On XX/XX/XXXX, I asked a Wells Fargo online banking telephone representative, when was my online wire transfer limit increased and she stated, XX/XX/XXXX. 

My fraud occurred on XX/XX/XXXX and I reported it on XX/XX/XXXX. 

Did Wells Fargo change my online wire transfer limit after my reported fraud? 

I respectfully request answers to these specific questions. Thank you.
Product: Mortgage

Regarding Case number : XXXX, While currently under review by my lender, I am writing to ask that my ongoing challenges with my lender be both documented and added to the open complaint referenced above. 

With this in mind, I am submitting screenshots XXXX of my accounts that clearly shows the discrepancy in the amount indicated as owed to keep my account current and the amount that the site will allow me to pay when I indicate that I wish to pay the whole sum ( monthly payment ) that is indicated as owed by me. 

In addition, I am also going to upload a copy of the most recent PAST DUE NOTICE that I received from the lender for another of my accounts for the record after both spending an hour on the phone with XXXX their representatives last month to try to verify that they had worked out their difficulties and also being assured that I was going to receive a letter ( that I have still not received ) indicating that they were both assuming responsibility for the errors and were planning to correct their erroneous report to the credit bureaus of " my failure to honor my obligations as agreed ''.
Product: Student loan

Unable to Get a copy of XXXXXXXX XXXX Note for XXXX spousal consolidation student loan currently being serviced by Navient : XXXX. I have tried to get a copy of my husband and mine 's Master Promissory Note ( MPN ) for our XXXX Joint Spousal Consolidation Student Loan from Navient for XXXX weeks now, since XX/XX/XXXX. I have called every week since- between XXXX pm as it is the only time I can - every time, after explaining that we need a copy of our XXXX mailed or email to us- it is always the same response : after a brief inquiry, I am placed on hold either to look into it further or to transfer me to someone that can help -It is old loan from XXXX and it seems none of them can find it and do not know what to do so I am placed on hold, a few times very long holds, over XXXX mins, only to be cut off or hung up on every time. This is beyond frustrating ; this document must be in their database, as without it- if it doesn't exist, then our loan is not valid and I highly doubt that is the case- I just need a copy sent to us..it seems like an easy request- it is the least thing they could do considering how we are unfairly trapped in this loan type as it is the only loan type that one can not reconsolidate. 

For Navient-I just want a copy of our Master Promissory Note Mailed to us- please help.
Product: Credit reporting or other personal consumer reports

My information was used to open fraudulent accounts, such as credit cards, loans and collections, XXXX XXXX, Consumer Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXX, an XXXX XXXX  with XXXX XXXX opened XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX under the account number XXXX, and note loan opened at XXXX XXXX XXXX XX/XX/XXXX that's paid and closed under the account number XXXX, and lastly a XXXX  secured loan opened 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 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.