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

Made online application on Monday XX/XX/year>, loan approved XX/XX/year>. The promise in advertising that money will be in my banking account within 3 days is not true. I provided correct routing information, they have confirmed this. I even scanned a voided check for their information, when asked they said they could not combine it with the present loan because it was not offered in the application process. When asked " where is my money '' they say my bank rejected the deposit, yet my bank after an extensive search of all transactions presented to the bank this did not occur. I believe they are holding the money to increase the amount of interest I have to pay, online the interest is accruing at {$3.00} a day. They just told me that my money would take 2-3 weeks to arrive as a check, yet their advertising promised money in under 3 days. This would be an extra {$45.00} in interest and I still do not have the money I borrowed. This is a scam, there are hundreds of XXXX XXXX reviews saying the same thing, made arrangements for a loan, got approved and NO MONEY was deposited.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I disputed the tax lien that equifax has been reporting on my credit file. Each time I dispute this item they say it has been verified but refused to provide me with the person name and number who verified this tax lien. I have a freeze on XXXX XXXX and the court house itself did not furnish any information to the credit bureaus. Equifax has claim on many occasions the furnished is the recorder of deeds, magistrate or municipal court. Which is all a violation of the XXXX to report false information and claim to get information from the court, when it is actually obtained from an unnamed 3rd party which can easily be considered false information on my credit report.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX i was notified on that midwest acceptance corporation has reported account as a Charged Off account as I tried by mail and phone call to resolve this issue with them they have still denied me the 1099c that I requested that they filed on my behalf In accordance to IRS law a charged off is considered a certificate of indebtedness which is income and INCOME IS NOT TO BE FURNISHED ON A CONSUMER CREDIT REPORT I have asked for removal of this furnishing that is effecting my consumer report and also my life I have also requested a statement of accounting and or settlement of accounting and they have refused to send over that copy and copy of original contract
Product: Money transfer, virtual currency, or money service

I make a wire transfer on XXXX for {$13000.00} XXXX Dollars to XXXX XXXX XXXX XXXX is equivalent to {$250000.00} Mx pesos. 
The money will be available XXXX but not, I contacted to Wells Fargo and XXXX opened a claim and XXXX  recognized XXXX money and XXXX will XXXX the money XXXX and dont do it. I call to Wells Fargo XXXX and they opened another claim to return my money to my account and asked me for XXXX labor days. I call today XXXX and they said they need 30 days.
Product: Money transfer, virtual currency, or money service

Apparently yesterday XX/XX/XXXX, there was two checks deposited into my account without my permission. One for {$8500.00} and the other for {$5000.00}, a total of {$13000.00}. Were in debt XXXX  due to this. Funds were moved around and sent to my XXXX  which was also used. I tried calling USAA to let them know it wasnt my husband or I. I told them when I went to the grocery store to get some food and stuff for my son my debit card declined. I usually have some money in my XXXX  so I used that in the time being. When I got into my vehicle and tried to log in to my bank app ( USAA ) it said my account was locked. When I got home I called the number it gave me and I was on hold for an hour and a half or so. I hung up in hopes I would have better luck of getting someone to answer soon. I was on hold for another 3 hrs and 48 mins. I was informed that everything was pretty much coming from my phone. That the checks were deposited from my device and in XXXX. I told them it wasnt me. They informed not much can do since they dont have much evidence from me to prove it wasnt me. My XXXX was hacked and my XXXX  too. I deleted XXXX in hopes to put a stop to the culprit from its wrongdoings. Ive tried calling XXXX  to inform them not to release the funds to them. They said they have a high volume of calls and I need to go through the app but I am having a hard time recovering the account in order to file a complaint. I recent called USAA again was told I have to wait another 3 hours. I have to call them once again in the morning and hoping I dont have to wait 6 and a half or more hours to get to the bottom of my situation. Hackers are so advanced now a days and can figure out how to make it seems my phone was being used from the same location and everything. Im the victim and my family and I are being punished for someone elses actions. I dont have access to my account nor my funds. God forbid something happens and I dont have access to my money to take care of my family and I. Were in the hole for XXXX and its completely unfair!
Product: Credit reporting, credit repair services, or other personal consumer reports

ORIGINAL CASE XXXX WHY IS THIS STILL ON MY CREDIT REPORT. THIS ACCOUNT HAS BEEN CLOSED SINCE XXXX. AGAIN I ASK WHY IS WF & XXXX ENTERING REMARKS ON AN ARCHIVED ACCOUNT. DO NOT MAIL ME YOUR FINDINGS. I WANT EMAIL ONLY AND YOUR RESULTS OF THE INVESTIGATION UPLOADED ON THE CFPB. I TRIED DISPUTING DIRECTLY ON XXXX AND WOULD NOT LET ME.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX Balance : {$590.00}, XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00}, XXXX XXXX XXXX Balance {$530.00}, XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX Balance {$110.00}, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00}, XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX 2023
Product: Vehicle loan or lease

Toyota Motor Credit is reporting that my auto loan was delinquent in XXXX of 2017. It was not. I have asked Toyota to correct this mistake on my credit report, but they refuse. I am attaching a copy of my payment history on this account, which clearly shows that the account was not delinquent.
Product: Debt collection

Weltman , Weinberg & Reis Co. , L.P.A . Call multiple times a day multiple times a week, most days starting at XXXX MST. I have reached out to them through their website for a payment plan with no response. I have these debts because XXXX and XXXX XXXX XXXX XXXX refused to work with me on payments so I paid what I could until they defaulted ( I now have two loans at Weltman, Weinberg & Reis Co., L.P.A ). Please stop calling and harassing me early in the morning and multiple times a week. I know the issue and I reached out to you with what I can pay, and that 's all I can pay. Calling me multiple times a day and week about either loan will not increase The amount I can pay. I have always wanted to pay these loans and still want to pay them, It just needs to be within my budget because I ca n't pay anyone what I do n't physically have. I do n't have any assets to sell to pay or else that would have already been done, these loans have taken everything from me, any chance of owning anything is gone. My mental peace is gone. The best way to reach me is through email as I live in the mountains and the chances of any call I answer being dropped shortly after answering are high.
Product: Credit card or prepaid card

I have had a Prosper card for about a year. Recently I needed to change my online account password. I followed the steps; received a confirmation email yet am still locked out of my account. 

I have repeatedly contacted Prosper and only get sent a password reset email which does not work. 

I strongly feel Prosper is setting me up to not be able to log in and not be able to make a timely payment. 

This account has been nothing but a negative experience since the beginning. It is predatory lending thru and thru.
Product: Debt collection

Refer to CFPB Case Number : XXXX, On XX/XX/XXXX, I wrote letters to Midland Credit Manangement , LLC spoke with XXXX XXXX , in the Concern dept @ XXXX asking for an update on my Identity theft account # XXXX. Midland Credit XXXX had an attorney office XXXX XXXX @ XXXX, filed for wage Garnishments without my knowledge. I was notified through my Employer back in XX/XX/XXXX. I immediately went to work on XX/XX/XXXX with all three Credit Bureaus disputing each account. Midland Credit Manangement had three accounts under my name however only two of these fraud accounts were closed. The third account XXXX, that went to XXXX XXXX a Identity Fraud packet was not applied & caused the Garnishments. After several attempts contacting Midland Credit Manangement, LLC XXXX XXXX, told me back on XX/XX/XXXX, that they needed to recall the account from the law firm. Ive now received a paid in full letter from the law firm & now awaiting a refund since XXXX XXXX confirmed receiving my fraud packet on XX/XX/XXXX, for the third time. XXXX, XXXX, XXXX XXXX XXXX, sent Midland Credit Manangement a fraud packet in XX/XX/XXXX, and To the XXXX XXXX back in XX/XX/XXXX, while in the middle of my paychecks being Garnished. 
Midland Credit Manangement had time to processed MCM # XXXX & MCM # XXXX as fraud accounts on XX/XX/XXXX, but failed to processed MCM # XXXX. XXXX XXXX, in Consumer Support dept advised me on XX/XX/XXXX, while being Garnished that she would recall my account from XXXX XXXX to review my account. XXXX XXXX confirmed on XX/XX/XXXX receiving my Fraud Packet, that fax to her number XXXX. 
I continue calling Midland Credit Manangement & XXXX XXXX XXXX  making sure the Garnishments stopped. Afterwards I contacted XX/XX/XXXX, XXXX XXXX ( XXXX, ph : XXXX, with XXXX employed by Midland Credit Manangement explaining the Garnishment issue to her. I emailed XXXX XXXX showing that Midland Credit Manangement had already processed the fraud packets for two MCM # XXXX & XXXX accounts listed above, the third account MCM # XXXX not yet processed. XXXX received those letters I emailed that Midland Credit Closed both accounts. XXXX contacted Midland Credit Manangement and the Garnishment stopped immediately. 
Midland Credit Manangement stated that I paid the account # XXXX, in full although XXXX XXXX said, a balance of $ XXXX dollars was accruing interest daily. This is Unacceptable. Midland Credit Manangement refused to refund my Garnished wages knowingly that the fraud packet was received while the Garnishments was active. 
I've requested a refund of {$2700.00} however Midland Credit Manangement, claimed they received the fraud packet after the Account was placed with the Lawfirm. Under the FCRA law, you are not allowed to keep my wages if you processed the fraud packet for two accounts listed above, then refused to issue a refund, in your recent response to complaint number XXXX. I will attach documentation for supporting my claim.
Product: Mortgage

Called For A Reconveyance statements and tax statements, Phone calls go Nowhere they say no account in system? 
Prior Phone Number goes from OCWEN to PHH Mortgage. 
When I call for reconveyance Department they say it no longer accepts calls? 
Goes back into regular phone system. 
No Customer service or account availability to resolve issues
Product: Checking or savings account

I had a Citibank checking acct that was opened around late XXXX XXXX and was dormant from XXXX through XX/XX/XXXX with a balance of {$12.00}. XXXX had closed all their nearby branches and we switched institutions.I had been receiving monthly e-mail statements. At some point that stopped. In XXXX, XXXX, Citibank began charging the account a monthly maintenance fee. I did not know about this until XXXX, XXXX, when I received notice that my XXXX XXXX overdraft line of credit was delinquent. Citibank 's explanation for the charges is that I did not maintain a combined balance of {$10000.00} or more. I do not believe I have ever had that much in the account over its entire life. In XXXX I spoke with a customer service " supervisor '' named XXXX who stated that the chargeswould be reversed. Since the account was closed she stated I would receive a check or checks for the full amount plus the {$12.00} balance and I would then send a check to XXXX to cover the balance on the now-closed account. Inever received checks. 
Subsequent phone calls were either cut off mid-call or answered with a simple, " Hello? '' and then disconnected. I finally spoke to someone last month who stated XXXX would " investigate. '' I now have a mailed statement that all the charges were correct and that I must pay them. XXXX has placed negative information on my credit reports which, I believe, caused me to be denied credit at least once and has also caused a precipitous drop in my credit score. I demand Citibank reverse these charges, refund my original balance, and remove all negative statements from my credit reports. 

Thank you for any assistance you may provide in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion violated my rights under FCRA. Transunion deleted a Chapter XXXX Bankruptcy on my credit report due to a dispute I submitted, however, they reinserted the Bankruptcy and did not notify me that it was reinserted. It has been over 30 days and Transunion failed to report it deleted and instead reinserted the Public Record. Do I have grounds to sue? Transunion notified me over the phone that they dont have to verify the Bankruptcy. Please see my attachments from XXXX XXXX showing it was deleted by Transunion. I also I contacted the court and they did not verify this public record so why does Transunion continue to inaccurately report. Its bias and discrimination.
Product: Checking or savings account

This complaint is regarding the Citibank new checking account cash bonus offer. 
On XX/XX/2023, I opened my new Citibank checking account and funded the account on XX/XX/XXXX with the required amount to receive the bonus ( see bonus confirmation email ). Subsequently, I also mailed in my signature card and W-9 form in a prepaid return envelope provided by Citibank ( see return envelope pic ). 
On XX/XX/2023 I was supposed to receive my cash bonus from Citibank. However, the bonus was not posted and I was told it would be posted soon. 
On XX/XX/XXXX, they finally informed me that my W-9 was not in their system even though I already mailed it to them back in XXXX. 
When I spoke to Citibank, they told me to wait for an email from them so I could email them my W-9 again. 
On XX/XX/XXXX, I received an email from Citibank and I replied them with my W-9 and mailed them my W-9 through USPS as well. 
On XX/XX/XXXX, I also faxed them my W-9 and was told that it would be processed in XXXX business days ( see fax confirmation ). 
Today, on XX/XX/XXXX, Citibank still insisted that my W-9 is missing and my cash bonus has not been issued.
Product: Credit reporting or other personal consumer reports

I did not give consent or have any knowledge of the inquiry on my credit report XX/XX/2023 XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a capital one credit card and I never received the statement and they report me for late payment I owed {$1.00} I called them in XX/XX/XXXX they told me to write a letter asking them to removed the late payment 45 days later I had to called them because I never was notified that my request was denied I ecplyaned them that because coronavirus maybb be e the stamens was lost and they did not care.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the improper investigation practices by the XXXX major credit bureaus : XXXX, Experian, and XXXX. I have been disputing inaccuracies on my credit report for nearly XXXX years, specifically with accounts related to XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXX and XXXX. Despite multiple efforts on my part, these inaccuracies remain unresolved, and the accounts in question continue to appear incorrectly on my credit report. Even to the point where deleted items where reinserted back on my credit File.

Throughout this period, I have submitted numerous disputes and requests for detailed documentation explaining the steps taken to investigate my claims. I have repeatedly asked the credit bureaus to provide step-by-step records of how my disputes were processed and resolved, as required by law. To date, I have not received any of the requested documentation, nor has there been a meaningful resolution to my disputes.

The continued presence of these inaccurate accounts on my credit report has caused me significant emotional distress, as I believe my consumer rights have been violated. I have made every effort to resolve these issues, yet the credit bureaus have not adhered to proper protocols or responded in accordance with the regulations set forth under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. This ongoing situation has made it incredibly difficult for me to manage my financial obligations and provide for my family, while also hindering my ability to obtain future credit. 
As I understand it, your recent lawsuit against Experian filed on XXXX XXXX XXXX, highlights similar issues with the credit reporting industry. In light of this, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into this matter, ensuring that XXXX, Experian, and XXXX are fulfilling their legal responsibilities. I am also considering legal action if these issues are not addressed appropriately and in a timely manner. 
I respectfully ask for your attention to this matter and urge you to take action to ensure that my credit reports reflect 100 % accurate information, in accordance with the law within 15 days of receiving this complaint. Further due to the numerous claims and still the information on my report continues to report incorrectly. I am requesting these accounts be removed in 4 days. 
Thank you for your time and consideration. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against Discover Bank for multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ) related to their handling of my account, Account # XXXX. These violations have caused substantial financial harm, emotional distress, and injury to my credit reputation. 

Discover Bank has reported inaccurate, unverifiable, and erroneous information regarding this account on my credit report. Despite my consistent efforts to resolve this issue, including the submission of six dispute letters that clearly identified the inaccuracies and missing data points, Discover Bank has failed to provide any supporting documentation to verify the legitimacy of the information being reported. 

As you know, the FCRA requires furnishers to investigate and verify disputed information. When they can not do so, they are legally required to correct or remove it from the consumer 's credit report. Discover Bank has not fulfilled these obligations. Instead, they have persisted in reporting inaccurate and incomplete information, despite clear evidence challenging the validity of the account details. 

This misconduct has caused significant harm to my creditworthiness, restricted my ability to secure new credit at fair interest rates, and negatively affected my personal and professional reputation. I am aware that other consumers have reported similar issues with Discover Bank, which raises serious concerns about systemic noncompliance with federal consumer protection laws.