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

Right after pre approval I received electronic communication from One main requesting bank and personal information I entered this information then I received multiple calls from loan companies representing themselves as One main offering me different loan products. After receiving these calls I called One main and was advised that I qualify for XXXX as an unsecured loan and would need to use my vehicle to qualify for the XXXX secured personal loan. I referred the gentleman to the ad where I choose the unsecured product. After giving the matter some thought I decided to accept the XXXX unsecured loan. I called the XXXX branch today spoke to a representative as well as the main number spoke to XXXX both advised me that i was not approved for either loan. I called the inquiry dispute department and was advised to send them a request to remove the inquiry letter which I did. I would like to lodge a complaint against One main for false and misleading advertisement and the damage done to my credit report. as well a security breach.
Product: Consumer Loan

Continuous phone calls several times daily-now calling siblings at work. Payment is not over 30 days. Repeatedly asked not to call.
Product: Payday loan, title loan, or personal loan

Sometime in XX/XX/2019, I called the clerk at the Advance America store located in XXXX, LA and informed her that I would be in that week to make the late payment on my loan and not to deposit the check. The next day, she deposited the check. I called the manager, XXXX to inform her of how furious I was that they did this and she apologized for that error. She told me that it should have never happened. 

On XX/XX/19, I paid {$40.00} on my {$250.00} loan and was going to make weekly payments but couldnt. On XX/XX/19, my {$250.00} check was redeposited over five times per my bank. A few times were returned NSF. No one mailed me to inform me that my check would be redeposited which was fraudulently done because I made payments. I did not owe them the full amount. As such, it shows that my payments were never applied to my account and they stole money from me. I have the receipt.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a payday loan ( so I thought ) expecting a small interest on an {$800.00} loan and thought I was paying {$140.00} a month until payoff but have realized I am paying {$140.00} per week for 1 year on a {$800.00}. {$570.00} per month for over a year to pay {$800.00} back This was a scam and now I am going in debt because of the withdrawal weekly coming out my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out letters to all credit bureaus every month since XXXX of XXXX. Dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. Each of these day have been specific in what was asked such as removal, validation and up date with correct information. I have not got any response from credit agencies as well as any success in having my profile updated.
Product: Mortgage

Dear Sir/Madam, I got a rate lock for a mortgage from Citibank after signing a purchase agreement for a property and they have since then added 0.75 points for the mortgage increasing my closing costs by {$4700.00}. Even after reminding them multiple times over the phone and email that a rate lock implies that both the rate and points remain fixed until the lock expiry, they have not yet agreed to remove the points and honor their initial terms. My closing date is XX/XX/XXXX and even though they say they are working on getting the terms back to the initial values I don't have faith that they intend to do it. 

Please find attached the initial rate lock document and the subsequent revised document they sent me. 

Thanks XXXX XXXX
Product: Checking or savings account

Back in XX/XX/2012 my account with Bank of America and over the next two and a half or six individuals turn that over {$34000.00} and we're in my account paying the bills and taking them and their statements statements what's some address in XXXX XXXX I've never been to but I was in XXXX now time with all this going on I know when I can I filed one complaint and they said that they were list 8 release about a year but they won't release any cancel checks and all those checks are XXXX 's and don't have my signal and I'm suing them and I need the rest of the information they know they're holding back information the last year-and-a-half ago did XXXX said I got a deposit or anyting else and so I don't want to make them sure that they give me all the information of my hair it is 8 years later and I don't have all the info whenever my account now I don't understand and then they lied and said they didn't have it and it came up with it XXXX if we were at the XXXX XXXX Police department is investigating this and I've got a lawyer while I'm suing them when they're trying to settle out of court but I need that information cuz I've got to sue the other little to get my money I don't I can't be any clearer 8 years and it still won't give me the rest of the Bank of America
Product: Credit reporting or other personal consumer reports

Under 15 USC XXXXi ( a ) ( XXXX ) ( 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 XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested information on my credit report so they can remove inaccurate information. They responded with a letter with the wrong name and asking for my personal information like copy of my social security, identification and a bill with my address on XX/XX/2024. 
I responded to them letting them know that the letter sent to me asking for my information was incorrect. I denied to send my personal information ; because when i requested for credit report my information was written.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX report my account as pass due more than 30 days in the month of XX/XX/2018 and as a result I'm been denied a current loan application. My monthly payment changed on XX/XX/2018 to make up for a change on the escrow account to cover property taxes and insurance. The monthly payment was {$660.00} until XX/XX/2018. Then, in XXXX the monthly payment changed to {$730.00} starting XX/XX/2018. As I was away on vacations I did not noticed the change on the monthly plus my payments are on autopayment. XXXX XXXX XXXX   received my XXXX payment of {$660.00} cashed and put it into an escrow account rather than into my loan account. 
In XXXX, when I found out about it. I was asked to make an extra payment of {$73.00} to cover the XXXX balance. In XX/XX/XXXX, i made an extra payment of {$140.00} to cover the {$73.00} balance for XXXX and XXXX as my payments are in autopayment and every first of the month my bank ( XXXX ) send a check to fulfill the payment. As a result, my XXXX payment of {$660.00} was already out on the XX/XX/XXXX by mail and a second payment for {$140.00} went out on XX/XX/XXXX. 
In sun, my XXXX payment was short {$73.00} dollars as a result of an adjustment on the monthly payment on a Fix mortgage. Please note the payment become delinquent every month on the XXXX. So, XXXX XXXX XXXX received more than {$730.00} before XXXX XXXX. Therefore, my account was not late more than 30 days.
Product: Money transfer, virtual currency, or money service

I initiated a load of {$500.00} into my Skrill account, after which my account was immediately restricted. XXXX weeks later, they have closed my account and refuse to refund me the money I loaded in.
Product: Mortgage

I have home owners insurance through XXXX XXXX XXXX XXXX, issued by XXXX XXXX XXXX of the XXXX. On XX/XX/XXXX, I paid the annual premium of {$930.00} through my credit card. Days later, Wells Fargo paid the premium as well due to a misunderstanding regarding my escrow account. I called Wells Fargo and they said they could not retract the payment and I had to call the insurance company. I called the insurance company and they said they'll send me a check for {$930.00}. As of XX/XX/XXXX, I still have not received the check despite calling the insurance company to follow up several times. I also have called Wells Fargo several times and they just refer me to the insurance company. The insurance company insists on sending the check via US mail without tracking information. It should not take over 3 months for me to get my money back. Please help!
Product: Credit card or prepaid card

I have multiple company credit cards that are managed by Citi card services, including retailers and gas company cards. Recently I have noticed that when you sign on to any credit card site with the Citi logo to make a payment, there is no " Payment Due Date '' shown on the main account summary page. There is a " Make a Payment '' option but that choice doesn't give you the date due either. The words " Payment Due Date '' does appear on the summary, but no date is ever given. You must search for the payment due date by clicking the " Payments '' history. The " payment due date '' was always displayed with the " make a payment '' option, and had an actual date given. This new lack of a " payment due date '' is misleading in that it makes it look as if your payment isn't due yet or has not yet been calculated. I have multiple examples of a payment being due within days and no notice that a payment is due. I don't know the reasons for this change, I have reached out to Citi and have only received automated response that doesn't address the issue. This change will also lead to customers unknowingly missing payment deadlines and potentially hurting their credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous attempts to try and fix fraudulent addresses, names, and accounts on my credit report from XXXX, Equifax, and XXXX, I haven't had any results or verification from anybody. The only name that should be on my credit report is XXXX XXXX XXXX. The only address that should be reported on my credit reports from all 3 bureaus should be as followed : XXXX XXXX XXXX, XXXX NC XXXX. All these other addresses are fraudulent. These fraudulent accounts need to be removed they are not mine and they won't investigate my claims. These are the fraudulent accounts as follows : 1.XXXX XXXX XXXX acct XXXX XXXX 2.XXXX XXXX XXXX acct XXXX XXXX 3.XXXX acct # XXXX 4.XXXX XXXX XXXX acct # XXXX acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX & XXXX XXXX ; XXXX XXXX  ( Hotel and travel XX/XX/XXXX, XXXX XXXX  XXXX XXXX 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, 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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report.

Here is the list of items that 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, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$93.00} ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Certainly! Heres the revised explanation with the additional detail : -- - I was recently coerced by a third-party cell phone company into providing my personal information under false pretenses. They promised me an upgraded smartphone, but instead, I ended up being charged {$220.00} without any clear explanation or understanding of the charges. I was misled and left with unexpected costs. 

To make matters worse, an employee from the company informed me that they were involved in stealing peoples identities. Now, a collections agency named XXXX XXXX is attempting to collect this debt, but I believe they are doing so illegally and without proper consent. I sent a debt validation letter to them via mail, requesting proof of the debt as required under the Fair Debt Collection Practices Act. According to 15 U.S.C. 1692c, I am entitled to request that they cease communication until they provide proper validation. 

Despite this, the collections efforts have continued, and I am concerned about the legality of their actions and the impact on my credit. I am seeking assistance to resolve this issue and ensure my rights are protected.
Product: Credit reporting or other personal consumer reports

I am not an attonery or a third party rep I have accounts on my credit report that does not belong tome i have a legal right to dispute anything on my credit report that does not belong to me and these companies listed below are in violation of FDCPA, 609, 611, 608 : -XXXX # XXXX {$0.00XXXX XXXX XXXX # XXXX {$450.00} XXXX XXXX XXXX # XXXX {$570.00} XXXX XXXXXXXX XXXX # XXXX {$430.00} -XXXX  # XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX XXXX my wife became medically XXXX and was unable to work. We were no longer able to pay our mortage. We performed a short sale on our home in XXXX, XXXX. The XXXX lien was held by GreenTree Serving. In spite of repeated assurances that the short sale would satisfy our account, the company did not provide a settlement statement at closing and mailed a letter stating we still owed $ XXXX postmarked ON THE DAY OF CLOSING. They began harassing us for the money, calling us day and night, and they wanted us to pay all that money at once. We had to get a lawyer to stop the harassment. Nothing was reported on our credit from that point on. Two years later, our financial situation greatly improved, the VA had declared me XXXX XXXX and I received a pension and my wife had received a legal settlement as a result of her medical circumstances. We were able to buy a home again ( VA standards are to wait for 2 years after a short sale ). But the second lien was still listed as open. We tried to get the company to remove the derogatory information but they refused. We ended up settling the amount for $ XXXX. In our settlement statement we made sure that the date of settlement reflected XXXX XXXX. GreenTree began reporting that we settled in XXXX XXXX, which greatly damaged our credit and prevented us from qualifying for a loan. With a settlement statement in hand we attempted to dispute the date with all three credit bureaus. The credit bureaus ignored our documentation and used what GreenTree told them, that the settlement date was XXXX. GreenTree pretended that it was n't their fault, that it was the fault of the credit bureaus. It took several months of disputes to finally get the credit bureaus aligned to reflect the correct date. We were able to get a loan in XXXX XXXX. By then interest rates had risen over 1.5 %, and the market had appreciated over 20 %. This unethical behavior by GreenTree cost our family over $ XXXX. As soon as our loan was processed, the credit bureaus " magically '' began reporting the XXXX date again. We disputed several times and were only able to fix XXXX of the bureau reports. XXXX is correct, the other eliminated the account altogether, but a XXXX continues to report the inaccurate date. The XXXX bureau refuses to accept our documentation and claims the date has been verified by GreenTree. This company has put us through years of emotional stress and have directly affected our financial situation - tenuous as it is in our recovery from XXXX. 

GreenTree has still asserted recently that their report of the XXXX date was accurate in spite of internal emails and a settlement letter disputing this.
Product: Debt collection

There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case MIDLAND CREDIT MANAGEMENT is attempting to collect as XXXX XXXX XXXX These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute was submitted on XX/XX/2021 ; ( 1 ) requested deletion of incorrect name spelling and usage on file. ( 2 ) Information relating to the status of bank accounts is incorrectly listed and an attempt to fix the information was denied, ( 3 ) a debt collector claims to have ownership of an account but can not provide ownership of the account or a contract that we entered into a contract or a contract they purchased said account. A request was made for the information to be deleted because debt collector could not supply proof of ownership or contract information requested. Experian refuses to remove or investigate the above disputes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX Per the Fair Credit Reporting Act this account should immediately be deleted. I never used this account as a credit account nor have I signed any agreement that rises this account to the level of a credit account by law. I never gave this company authority to use my credit consumer report to collect a debt and by law should not have accessed due to this not being a credit or loan that I signed for.
Product: Checking or savings account

On Thursday XX/XX/XXXX, there were XXXX transactions from a website I have used in the past on my chime debit card, never on my Chime credit builder card due to it being new to me. I do not reconize these transactions were not me and I would like to just get my money back. So I can then end my relationship with Chime. I filed a dispute on XX/XX/XXXX and my claim got denied within 2 hours with no explaination. I just want help getting my money back I have lost so much money due to chime not doing proper investigations. There is XXXX dispute ids, XXXX is Dispute # XXXX and Dispute # XXXX
Product: Payday loan, title loan, or personal loan

This company needs to OWN UP to its mistake. We demand the registered agent in whatever state they have that person living / registered, to give us a call or provide their name. We will be suing you. 

We have contacted the CA department of motor vehicles. No registration exists. We called AZ where the trailer was registered and guess what? The bank never requested the title. 

They are lying. 

Attached are the financing agreements and the verification that the AZ title was completed. It was, however, never requested by Key Bank. 

It is their responsibility as they loaned us money to pay for the boat AND trailer. They MUST provide title. Their attorneys have stone walled and gas lighted you and us and it will not be tolerated or let go. 

We called the AZ department of vehicles and here is what they said : " The bank never requested this title. '' The AZ dept. of vehicles number is : XXXX. 
STOP running us in a circle. We will never quit, you WILL get that title for us and we will sue you. This delay in your letter writing and excuses will not be tolerated. 

What is the CFPB gong to do about this gross negligence of due process according to normal business practice??? Banking laws???? 

We will be reaching out to the FDIC.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I have reviewed my information and it is not up to date per FCRA and Metro 2 compliance reporting standards. If there are any discrepancies between this information and what is on file at your company, then there are problems with either your records or those who provide them to you. Because these two sets of rules must be followed precisely in order to maintain accuracy, I am requesting that you remove all personal information on file that does not match what is listed above. I also need you to confirm the data you have on file. I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681i ) and METRO 2 compliance criteria.

In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, has never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently. I will need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. 
Attached a summary of the data in which I am challenging.
Product: Debt collection

On XX/XX/XXXX  I received a notice in the mail from CBHV trying to collect a debt on a student loan account. After review of the notice and the amount said I am owed, the numbers are inaccurate to what I actually owe to the student loan account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following closed accounts listed on my current Equifax credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. Furthermore, I do not want any extended fraud or security alerts on my credit report.