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

I paid my loan in full via cashier 's check on XX/XX/XXXX. 
On XX/XX/XXXX I called the company to make sure the payment had been received. I was assured that it had been received and posted to my account. On my request, the XXXX said I would receive an email notification within 24 hours stating that my loan had been paid in full. 
48 hours later ( XX/XX/XXXX ), I called again to ask the status of said email notification as I had yet to receive it. At that time I was informed that even though the payment had been applied to my account and that the account had been closed due to receipt of payment, I would have to wait 10 days from the receipt of payment to verify my funds and it would be an additional 24 - 48 hours after that time before I would receive written confirmation of receipt of funds and closure of my account. 
At that time he CSR assured me that she would put in an expedited request as the receipt of confirmation of account payment and closure is holding up a property closing on my end. 
On Tuesday, XX/XX/XXXX, I called again to ask if my request had been expedited. At that time I was told that it would not be expedited. I requested to speak to a manager, and was told no one in management was available to speak to me. I was also informed that it would take 3-5 daysfrom the time of my request for payoff confirmation before I could expect an email. I pointed out that it had already been seven days ( XXXX ). After I pointed this out, the CSR told me I could expect an email by Friday, XX/XX/XXXX. 

My frustrations : 1 ) Incomplete and varying information about processes and time frames. Every time I call I get a different answer tomyrequests and questions! This does not foster any trust that this company is giving truthful, consistent information. 

2 ) Lack of availability to someone other than a CSR. I am being told by the CSRs that " their manager '' or " the back office '' can not ( will not ) talk to me to elucidate your policies. 

3 ) I paid with a CASHIER 'S CHECK. This is as good as cash! This situation is akin to me giving them {$13000.00} in CASHand being told I can not have a receipt for my money! When I asked for a simple letter ( typed by anyone ) stating that the funds had been received and that the account was closed, I was told thatthat was not an option. (??? ) Bottom line, I have paid my debt in full, and LendingClub is refusing to show receipt of payment.
Product: Debt collection

On XX/XX/2018, at the suggestion of the agent for XXXX, a XXXX of XXXX XXXX, I sent via email ( address given by him ) a detailed letter and revised 'RIE ' form, attached here. 

After some weeks, I got a call from XXXX XXXX of that firm which I returned the next day. 

He was belligerent and interrupted me when I told him that the figure his QC 'people ' had arrived at was neither reasonable or affordable ; he refused to give me anything in writing at which point I terminated the call. 

He has violated their own Manual, attached ; furthermore, XXXX XXXX own materials speak of 'monthly payments as low as {$5.00} .... ', a category that suits my disclosed income and expenses. As importantly, when I pointed out that no one had requested me to document each item -- which I then and now am prepared to do -- he demurred, simply repeating that his 'supervisor would tell me the same thing ' -- i.e., that I had to pay $ XXXX  monthly vs. the {$99.00} he had previously quoted on a then current RIE form.
Product: Credit reporting

I closed my account with XXXX. They have sent me bills in the mail that only show the total amount owed but not what the charges are for. My husband and I have attempted to call them multiple times as well as stop into the store to understand these charges. We were only hold for extremely long periods of time with no-one picking up the phone. In the last few days their collection agency ( XXXX XXXX ) contacted me and asked if there was anything they could do to help resolve this debt. I let them know that I wanted a bill noted as final that showed what the charges were for. They agreed to this and all I received from them was another bill that just showed the balance due ( not what it was for ) plus a collection charge. To make matters worse I noticed that my credit score dropped significantly this month so I pulled my credit report. I have NEVER had a late charge on my credit report in the 20+ years I have been an adult. XXXX reported my account as deliquent. I contacted our local non profit credit counseling agency and they suggested I first try to work with XXXX to get a final copy of the bill and also to get it removed from my credit report since they have not provided me with adequate information to understand the charges. I spent over 30 minutes on the phone with them and took detailed notes. They said that they would send me the bill as I requested ( " now '' ) but that once it went to their collection agency I would have to wait 7 years for the negative information to go away. I contested this verbally on the phone as I was never given the proper information to understand what the bill was for. I asked to speak to a supervisor and was put on hold. I waited a few minutes and they said they were connecting me to a supervisor now that would help me - no-one had picked up 7 minutes later when I finally gave up and hung up. I would like to understand what I need to do to get this negative information removed from my credit report. I have absolutely no problem paying a {$99.00} charge if it is valid but I have a significant problem with XXXX not providing me the information to know whether it is valid. I also have major issues with being on hold multiple times to get this information without them picking up the phone. I am hoping that you can help resolve this for me. Thank you in advance for your assistance.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This debt has remained on my credit report for months after it was paid off. The collection agency responsible for removing this from my credit report has even written a letter stating they would take the debt off my report but as of yet they have not. I want this debt removed. I long ago paid exactly what these people asked for and they are still not removing the debt. I am tired of my credit suffering because of their inability to conduct business in a timely manner. The collection agency is Pro Collect in XXXX.
Product: Mortgage

I have issues with the transaction of my Mortgage. I attached a formal grievance letter stating the areas of concern regarding the transaction of my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - XXXX is a fraudulent account reporting on my credit report.
Product: Credit card or prepaid card

Hi, I have filed a credit card dispute with Citi bank on XX/XX/XXXX. They told me they are doing investigation.. and the investigation should be complete within 2-60 days. It has been over 60 days and when i call they now tell me its still open and under investigation. This time they are not giving me a time frame. 

In addition to that they closed both of my credit card account 80 days into the investigation.
Product: Credit card or prepaid card

For about a year now I have been going back and forth with the bank how about a fraudulent charge my account. I did attempt to purchased hearing aids. The hearing aids did not work properly they not only did not work properly they fell out of money ear they required to sell phones to make it work they kept speaking to me when I wouldn't be speaking to anyone I went back to the doctor and he attempted the adjustments that just did not work. There was a warranty on them that the doctor and manufacturer both refuse to honor. Dealing with the bank I have put in multiple calls telling the bank that they've participated in a fraudulent activity find not investigating why I am still being charged for the hearing aids when the hearing aids were returned to the provider. The rudeness of the bank why you not even sending me an email telling me their findings. I have been to the XXXX XXXX XXXX to report the hearing aid company, the hearing aid company said basically the doctor would have to refund the money. The doctor refuses to and keeps invoicing me for them. The bank has just been fighting with me without explaining to me any of the information that they have collected to keep the charge on my account. I believe the bank is in a criminal act by protecting the Doctor Who Sold me defective merchandise that was returned to him. I have made my payments to the bank and have asked them for help to resolve this issue to this day they have not. I need you to step in and get my money back the bank in the doctor are on the same page but they're not giving me any explanations other than emails from the bank that I can not open. When I've notified the bank of this I've been told they would send me an updated email and I never receive it. Now on the last encounter with the bank I have complained again it's interesting to me how for the first time I just couldn't pay the payment on time that the bank was able to call me and reach out to me and chastise me for not being on time but not once for a year has the bank reached out to me to investigate my complaint. The bank is committing an act of fraud an act of deception and should be investigated on how many people they forced to buy defective merchandise. Any help you can be I greatly appreciate it I am a XXXX XXXX victim that this doctor took advantage because I can't recall or remember or find any paperwork that I may have signed the bank has frustrated me for their lack of cooperation in this investigation. 

Thank you, XXXX The following is the bank information Synchrony Bank XXXX XXXX XXXX, XXXX XXXX, XXXX, Utah, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX, XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. Also would like to state According to XXXX v Transunion 1997. Transunion is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2. 15 USC 168115, 15 USC 1681eb.
Product: Credit card or prepaid card

I am a victim of identity theft. On or about XX/XX/XXXX, I received at least XXXX order receipt confirmations from XXXX XXXX XXXX XXXXComenity Bank with multiple items that I did not purchase. When I attempted to access my online account, the password would not work. It was then that I realized that my email was comprised and a hacker obtained access to my social security number. He used it to apply for credit, open bank accounts, raise credit limits, purchase items, etc. On XX/XX/XXXX, I called Comenity Bank and alerted them to the Fraud. They did nothing to address it. The rep gave me false information on the phone by stating that an investigation would be opened, the account would be locked, and I would not be responsible for making payments on the purchases I did not make. However, today XX/XX/XXXX, I received another order confirmation so he did not do anything to protect me as a consumer from additional fraud. I also received a UPS shipment the hacker made that was somehow re-routed to my address. I have not received any return phone calls from either XXXX XXXX XXXX XXXX  or Comenity Bank. They also left the fraudster 's phone numbers on my account, allowing him continued access to my personal information after I informed them the correct phone number is XXXX. I have the name of the hacker from an order receipt, XXXX XXXX, in XXXX, XXXX. I reside in XXXXXXXX XXXX at the same residence since XXXX, which is even more disturbing that Comenity Bank did not have enough security controls in place to suspect fraud.
Product: Debt collection

After reviewing my consumer report on XX/XX/2023, I noticed LVNV Funding LLC is showing on my report as a collection. They are attempting to collect an alleged debt amount of {$590.00}. As of XX/XX/2023, I've been sending out NOTICE FOR VALIDATION OF DEBT PER 12 C.F.R. 1006.34 to the company. LVNV has not provide the documents requested and continues to keep reporting on my consumer report. This inaccurate reporting is causing severe damages to my character and reputation. I am asking the account to be deleted from XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit alert stating my account is 30 days past due and now delinquent. As per XXXX payment was not received for XX/XX/22, which I have 10 days before I am charge a late fee and 29 days before it is delinquent. As per XXXX payment for XX/XX/22 was 30 days past due, However payment was received on time. For the past 2-3 years payments towards my Nissan Motor car loan was paid before the 30 day past due mark.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, there was a hard inquiry placed on my credit report on all XXXX credit bureaus On XX/XX/2024, I received an application for a XXXX XXXXXXXX credit card under my name On XX/XX/2024, I called XXXX XXXX and informed them that it was fraudulent. They marked it as fraudulent and told me within 60 to 90 days it will be removed from all XXXX credit reports. 

At the same time, I put a fraud alert and froze my credit on all XXXX websites. I also filled a FTC and a police report the my identity was stolen. 

On XX/XX/2024, I called Transunion informing me that my hard inquiry was still on my report. My case was then escalated and I was told that a supervisor would call me within 3 days. 

Fast forward to today XX/XX/2024, my hard inquiry is still on the report and I did not receive a call from a supervisor. Customer Service confirmed that they could see my documents under a specific case number This is unacceptable and my hard inquiry needs to be removed. XXXX and XXXX already removed my hard inquiries.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Collection Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Complaint Number XXXX Correction : The Correct Number on the BJ 's Perks Mastercard A.K.A COMENITY PerksMastercard the right Account Number is XXXX XXXX XXXX BJ 's Perks Mastercard is Closed.
Product: Credit reporting

Currently the credit reporting agencies are reflecting a public record bankruptcy and the courts and XXXX have verified that there is no such record or information. I have made various attempts to dispute the derogatory however, the agencies are determined to " lock '' my files for a 10 year period. This has lowered my credit score and reflected a negative response to my present creditors and potential future creditors. Please advocate for me in this challenge to have the derogatory information removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I applied for a Pay As You Earn Loan/XXXX Sloan Forgiveness and was approved ; therefore, my payment on my account was {$0.00}. I was told that my loan would be forgiven if I worked for a Title I school for 5 years in CA. In XX/XX/XXXX XXXX. XXXX XXXX reported to the credit reporting agencies I was 130 days past due, which is inaccurate. I called them and they said that my loan expired and so they sent my information to the credit bureaus without notifying me that it needed to be renewed. It is unlawful to report false information to the credit bureaus. They never contacted me and when I spoke with them on the phone, the CSR confirmed that my payments should be at {$0.00} for the loan I have.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX unauthorized inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

An auto loan with Wells Fargo Bank was paid off in full in XXXX XXXX for the amount of {$370.00}. Wells Fargo wrote on XXXX XXXX XXXX that the auto loan was satisfied in full and submitted a request to XXXX Credit Reporting Agencies - XXXX, XXXX and XXXX - to update my credit report. 

Subsequently when I applied for a home loan in XXXX XXXX, it transpired that Wells Fargo had reported that the loan was either charged off or written off and I still owed money on this account which is false as the amount was paid in full. So my credit report is adversley affecting my chances of obtaining the loan as requested. Wells Fargo have admitted their error and have submitted a request to the Credit Agencies to update their reports but say that it will take 30 to 60 days for this to happen. Time is of the essence and I have waited almost 5 years for them to rectify this. 

I have called Wells Fargo several times to try and resolve this matter by asking them to do a rapid rescore and send it to the Credit Agencies as soon as possible. My initial contact was XXXX in the Executive Office who gave me a Complaint Case # of XXXX saying that it would take 10 business days for this to happen and referred me to a XXXX XXXX ( Tel XXXX XXXX XXXX ) with whom I left messages to call me to no avail until I reached a colleague of his, XXXX, who sent a text to both XXXX and his boss , XXXX XXXXe ( Tel XXXX XXXX XXXX ). I subsequently had phone calls from both explained the situation and of the massive importance of the requested rapid rescore. XXXX has twice written to me to admit Wells Fargo 's error and XXXX telephoned me to say she would not do a rapid rescore and that the 10 business day alternative would be the only resolution. The 10 business day period is now over and I have phoned both XXXX and XXXX and left messages for them to call back but neither has bothered to do this. 

This whole matter is badly affecting a ) my credit score b ) my chances of a private equity loan and c ) my health as it has caused me much XXXX and has led to me having very XXXX XXXX XXXX levels and XXXX XXXX. It has also meant that the home we picked out has risen in price by {$3000.00} and we are potentially going to lose our preferred lot. This will likely also cause increases in my home and car insurance policies. 

Wells Fargo Bank having admitted their error should be making every effort possible to resolve this for me as quickly as possible and it seems the only way I can get something done is by contacting you. 

The documentation regarding this is attached in the relevant section.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, police report and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.
Product: Credit card or prepaid card

After reviewing my credit report i saw that I had a late payment for  XXXX  of  XXXX  on my account. My bank account was drained after someone stole my debit card number and made a number of erroneous purchases online. When i submitted my chase payment for the month it was declined because of the erroneous purchases. I paid chase immediately when i became aware of the situation. I asked if this would report negatively on my credit report and they stated they were unsure at the time. After reviewing my credit report I saw that it had indeed been reported as a 30 day late. I contacted chase and requested that they remove the late payment because I had never been late before, nor have i ever been late again. They told me they would not remove the late payment. I believe tha t Chase is acting UNREASONABLY,  as i have had the account since  XXXX  and have never been late before and this was clearly an isolated incident outside of my control.
Product: Checking or savings account

There was a check placed in to a chase checking account chased put a hold on that check due to it being a business check chase then cleared the check and the checking account was closed about two weeks after that chase has been holding on to the money since. The check is in suspense. There have been serval attempts to recover the funds from chase bank. By myself and the originator of of the check The check was written XX/XX/2021.