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

On XX/XX/XXXX, I received a personal loan from Omni Financial of Nevada , Inc. in the amount of {$700.00}. The terms of my loan were that I would pay {$110.00} a month for 7 months by either : allotment through the XXXX XXXX and XXXX XXXX ( XXXX ) or set up Electronic Fund Transfer ( EFT ) through my personal checking account at XXXX. Ultimately, my repayment method was by allotment through XXXX. 

Omni violated the Military Lending Acts prohibition on requiring repayment of the loan by allotment and the Electronic Fund Transfer Acts ( EFTA ) prohibition against requiring that consumers preauthorize electronic fund transfers as a condition of receiving credit. Omni also violated the consent order that requires Omni to provide notice of the Consumer Financial Protection Bureaus XX/XX/XXXX findings to all customers repaying their loans by allotment. That notice was never extended to me and I wouldnt have known to ask for it. 

Along with the violations, my first repayment was not to be made until XX/XX/XXXX and my final repayment to be made XX/XX/XXXX. Omni took my first repayment by allotment on XX/XX/XXXX, and two additional payments after my loan was fully repaid by allotment on XX/XX/XXXX and XX/XX/XXXX. I am able to see the XXXX allotment due to my XXXX online account which shows my mid month and end of month pay plus any allotments 7 days before my end of month paycheck. I decided to check that today ( XX/XX/XXXX ) due to the unauthorized allotment on XX/XX/XXXX. 

The XXXX payment was refunded XX/XX/XXXX in the full amount of {$110.00}. The XXXX payment was refunded XX/XX/XXXX in a partial amount of {$100.00}, I was not made aware of the fact they owed me anything until XX/XX/XXXX, 7 days after the allotment was sent to them. I am unable to get the XXXX payment refunded until after the XXXX as their systems wont receive it until then despite my Leave and Earnings statement showing the future transfer. Omni did not terminate the allotment on their end and never contacted me via phone, e-mail, or my Omni dashboard once the loan was fully repaid to notify me that I needed to terminate the allotment through DFAS if they were unable to do so.
Product: Payday loan, title loan, or personal loan

Lending Club continuously reports extremely late by multiple months negatively affecting my credit score & reports. I've asked them to correct this and even filed a direct dispute with Lending Club and the credit bureaus. They updated some of the bureaus with different information that doesn't even reflect my correct balances for any of the months that are missing.
Product: Debt collection

This company is still attempting to collect a debt that was paid. They are still contacting, sending threating remarks through phone calls.
Product: Mortgage

I request the following information to be provided by Wells Fargo Bank NA. 
As you stated in your letter dated XX/XX/2016, Wells Fargo Bank is the investor of our loan. Please provide a written response with documentation to the following questions ; 1st, how did Wells Fargo Bank NA acquire our loan? 
2nd, what date did Wells Fargo Bank acquire our loan? 
3rd, did XXXX sell our note/loan to Wells Fargo? 
4th, if not, which company or investor sold our note to Wells Fargo Bank NA? 
If Wells Fargo Bank wants to end these complaints, please answer all of our questions truthfully and provide documentation. Failure to comply will result in additional complaints filed against Wells Fargo Bank NA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I contacted Equifax to find out why potential creditors were not able to pull my report. I inquired if there was still a consumer placed freeze on my account ; I wanted to remove it, if so. I was asked to verify my name, social security number, date of birth and address. I confirmed all of the above. I was placed on hold and the gentleman came back and told me that he was not able to release any information from my credit file to me. I asked why they were not able to verify my identity, when I just verified all pertinent information. He told me that the system is telling him this without an explanation. I asked to speak with a supervisor. The supervisor got on the phone and advised me that she could not provide any information to me. I again asked why. She told me the same. After I exhausted myself to no end with the situation, I asked what they needed from me beyond what they already have on file from numerous correspondences that I sent in the past with my State ID and social. 

She advised me that she needed a state ID with an updated address and updated phone number. If my ID address was not current that I needed to send her a utility bill. She wanted something to show where I live. I advised her that she is not entitled to that information. She only needed information that verified who I am. Social, State ID ( updated or not ), name and date of birth. She argued the point and left me feeling blackmailed in the situation. I felt that if I do not send them personal information that is outside of the boundary of ID verification, I will not be given access to my credit file. Meanwhile, I have received adverse action on credit applications due, in part, to the fact that they could not access the file from Equifax. I attempted to receive my credit report through the phone system and was also denied due to " verification '' issues. 

I am willing to send State ID, which bears my date of birth, alone with my social to them. However, I do not believe that asking for my current address and phone number are pertinent pieces of information to verify my identity. Furthermore, I believe that withholding the content of my credit file and score are violations of my legal right to access my credit file, especially following adverse credit decisions. 

I filed a previous complaint when they stopped reporting on XXXX XXXX, since I disputed many items on their report. This has been an issue since then. The complaint was closed, but not resolved. I am looking for a true resolution ... .someone to really look into why I am being denied information in my own credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING NEGATIVE ACCOUNT HAS BEEN REALLY AFFECTING ME TOWARDS ACHIEVING GOALS IN WHICH I NEED TO PURSUE : XXXX XXXX, THIS ACCOUNT SHOWS AS IF IT'S 30 DAYS LATE AND WITH NO BALANCE. PLEASE PROVIDE ME WITH A GOOD REASON AS TO WHY THIS ACCOUNT IS STILL REFLECTING NEGATIVELY ON MY REPORT. IT HAS BEEN MORE THAN FIVE TIMES NOW THAT I HAVE TRIED TO RESOLVE THIS ISSUE AND NOTHING IS BEING DONE. PLEASE REMOVE THIS ACCOUNT BECAUSE IT IS NOT VERIFIED NOR DOES IT PROVIDE US WITH ACCURATE INFORMATION IN WHICH WOULD DISPLAY ON MY REPORT.
Product: Credit reporting

On my credit report there is an incorrect address listed as a previous address.I have never lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. This address is listed for me but I have never lived in XXXX and I have documentation to prove that I was living in XXXX as well as working in XXXX when this was added to my report. I have made a police report In reference to this and notified the credit bureaus although this has not yet been removed
Product: Credit reporting

I have no knowledge of this account and it does not belong to me. This is a fraudulent report on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX A XXXX, CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

This is an extension of my earlier complaint with XXXX- complain # XXXX. I closed my account with BOFA in XXXX of 2023. Since then, I have been trying hard to get my pending balance money delivered to me in the form of a cheque. 
The BOFA authorities just keep on calling me and assuring me that they have sent the cheque. They have done this 4 times now, but I have still not received my money. 
I request CFPB authorities an escalate action against BOFA so that I get not only my balance money but also interest for this delay and any penalty as applicable by law. 
If I do not get the final amount sent to me ASAP now, I will be pushed to take a legal action against BOFA.
Product: Debt collection

I am filing a compliant against Fair Collections & Oursourcing for a violation of the fair debt collection practices act. In response to a letter dated XXXX XXXX, alleging a debt and providing until XX/XX/XXXX for validation, I sent a letter by certified mail requesting validation on XX/XX/2023, within the specified timeframe. 

It has come to my attention that the Fair Collections & Outsourcing intentionally requested the USPS to hold my letter on XX/XX/XXXX, as stated on the USPS website, violating my right to a timely validation. This intentional delay constitutes a deceptive tactic, compromising my rights as a consumer and being a contradiction to the name of their company. Please See USPS Tracking # XXXX Attached is relevant documents, including the certified mail receipt and details of the correspondence. I request your assistance in holding Fair Collections & Outsourcing accountable for this Violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulent made without my consent. Please remove these accounts from my report. 

XXXX XXXX  XXXX {$0.00} XXXX/XXXX XXXX {$290.00} XXXX   XXXX {$49.00} XXXX  XXXX {$680.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX  XXXX {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of they are violating the Fair Credit Reporting Act. Please delete late payment or remove XXXX XXXX XXXX  card account ending in XXXX from my credit report. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus dont have any written permission. According to 15 USC 1681 I have the right to privacy. According to USC 15 USC 1681s-2 A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. I can go on and on, the credit bureaus have no respect for the laws and this is unfair. Someone needs to hold them accountable for this. The company sent me a letter stating the issue has been resolved when it has not been resolved. XXXX XXXX XXXX XXXX  is still reporting a late payment from XX/XX/year>. Please remove this late payment as this information is incorrect.
Product: Consumer Loan

The auto loan is currently XXXX days past due, and the finance company has begun to call references, and release sensitive information about the loan, and delinquency ( past due status, days past due, past due amount ) to these references. as of right now, it has been XXXX.
Product: Checking or savings account

Dear Sir/Madam, The basis of this complaint began when I erroneously forwarded a XXXX XXXX Bill Pay payment to a closed Citibank account No. XXXX ( XXXX ) on XX/XX/XXXX in the amount of {$50000.00}. The closed account was for a mortgage and equity line that had been satisfied XX/XX/XXXX to the best of my recollection. The Equity Line ( XXXX ) remained open until XX/XX/XXXX. Proof that the payment was sent by XXXX XXXX is attached as Exhibit A. 

I have tried now almost a year to have this money wrongfully held. Neither XXXX XXXX or Citibank will help in my cause. Neither have offered us relief let alone help in this matter. I have had hundreds of communications attempts in writing, telephonic and in person communications with both institutions. I am attaching several of these communications to illustrate these communications. They dont show the hours of telephone holds and conversations with offices from NJ, Pa, Ohio, Utah to name a few. 

This is a GREAT amount of money and has caused us great hardship. It is being held erroneously by Citibank and they refuse to return it. 

I am attaching as Exhibit B several documents which illustrate the above timeline :. 
-XX/XX/XXXX Payment erroneously sent to CitiMortgage XXXX XXXX XXXX, XXXX Oh , XXXX. XXXX Acct No XXXX ( XXXX ) -Numerous conversations with Citibank trying to reverse the error lasting several months. Some conversations lasting hours of hold time. 
-An example of written correspondence is attached dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
-Several more conversations ensued with Citibank on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ( just to highlight a few ). All stating summarily that they did not receive the funds so they would not be of assistance. I discovered that Citi had transferred mortgage payments to XXXX. After several communications with them I was advised that they had not received the funds. 
-I then went back to XXXX XXXX to ask for help but was advised that they had done their job by sending the payment and therefore not responsible and would not help me. 
-These communications went through XXXX to XXXX of XXXX. Again copies of all documents are attached. 

I am now contacting you in desperate need of assistance. Any help will be GREATLY APPRECIATED. I anxiously await your reply. 

Very truly yours, XXXX XXXX
Product: Credit card or prepaid card

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, CA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; CBNA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX, CA XXXX
Product: Debt collection

On XX/XX/2019, I received a notice in the mail stating that I owed {$110.00} to our doctor 's office. My wife also received a notice and that will be addressed in a separate complaint here. 

My wife and I have the same doctor. We always are told if we owe money for the day 's visit, but we also have an arrangement of {$25.00} per visit per person. 

The last time we were in the office, we were NOT TOLD that we owed any money nor did they ask for our arranged payment. To me, that is THEIR RESPONSIBILITY TO let us know that we owe the payment.
Product: Credit card or prepaid card

I recently open my credit card account with Chase. My card was flagged for fraud. I called their fraud department and was told to wait for a senior specialist to call me back. I have not received any calls. Therefore, I tried to cancel this credit card as it is not worth the hassle for me to pay for an annual fee when I can not use the card. However, the customer service representative is unable to close out my account. As I am unable to close my account via phone, I have sent a letter requesting the closure and have not heard any response. Therefore, I am going through this channel to get this account close.
Product: Mortgage

Ocwen Mortgage Company will not grant me a modification, i was Willed my grandmother s house, and have all the proper paperwork to show I should be entitled to the modify the loan, so i will not lose my the family home, i have submitted the Modification package
Product: Credit card or prepaid card

I own an Amex Platinum Card that promises certain benefits to induce you to pay a hefty annual fee. Among them is a XXXX XXXX XXXX membership. 
I have been trying since last XXXX, online and on the phone with Amex, to receive this benefit. Until today I have been unsuccessful and Amex always tells me it will be resolved in 5 days and then nothing happens. No resolution, no information. 
Every time you talk with a different person on the phone, are put on hold, get cut off, have to tell the same story multiple times and waste a lot of time. 
Amex should deliver the promised card benefits or refund my fee. 
Thanks for your help.
Product: Credit reporting or other personal consumer reports

ll of the charges that were 60 days late in XXXX of XXXX were Fraudelent charges. XXXX has acknowledged this and refunded all of the charges. They have not corrected the credit reporting. 

I have disputed this multiple times and it has not been corrected. 

On XX/XX/XXXX, XX/XX/XXXX, a fraudulent XXXX charge was made on my card. Late fees were added while investigation process was ongoing. These late fees turned into late payment reporting. On XX/XX/XXXX, all of the late fees and fraudulent charges were refunded to me because the investigation confirmed it was fraud. 

I was told the credit reporting would be corrected, but it was never fixed and the 60 days late is still showing on my credit report. 

Please correct this. This false reporting has kept me from obtaining the credit I need, for the last couple of years.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED To Whom It May Concern, I DO NOT WISH TO USE TRANSUNION DISPUTE FORMS I HAVE A RIGHT TO DISPUTE WITHOUT TRANSUNION FORMS DO NOT VIOLATE MY RIGHT While checking my most recent credit report, I noticed XXXX XXXX  credit inquiries, XXXX Accounts, and XXXX XXXX information that I did not authorize, I am unaware of and believe to be fraudulently made by the following companies : Inquiries : 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 XXXXXX/XX/XXXX Account : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report and believe these to be fraudulent. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I formally request that these fraudulent inquiries and Accounts be immediately deleted from the credit file that you maintain under my Social Security number. 

I called all companies involved, canceled or closed any products issued, and was instructed by these companies and XXXX to let you know formally with these instructions included. Ive attached an XXXX Report # XXXX and XXXX Report # XXXX, as well as my official XXXX XXXX XXXX, XXXX XXXX Card, and Proof of XXXX XXXX. If anything comes verified, show me BOTH XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and myself and Original XXXX documents showing true accuracy. 

XXXX has deleted this information but TransUnion has not. this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit.

My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 

You are required to do what I am asking and block these transactions from being reported to my consumer report within XXXX days from the date of receipt of the notice. 

TransUnion will be in violation of 15USC 1681n ; civil liability for willful noncompliance and 15USC 1681o ; civil liability for negligent noncompliance if chooses not to do so. 

The reporting of the inaccurate information has caused XXXX damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes, and the reporting of this inaccurate information has damaged my livelihood. 


My contact information is as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX