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

XX/XX/XXXX. I was contacted by title max about my payments. I am behind XXXX payments on my loan due to my XXXX leave. I talked to XXXX on XX/XX/XXXX and was told come in I have the refinance option. I came in on XX/XX/XXXX to do the refinance and found out I needed to pay the past due amount of XXXX and bring the vehicle to refinance. I told them I should have been told this on the phone and I did n't have the funds I get paid the following week. They asked if I could borrow I said no and I was rudely walked to the door. Monday XX/XX/XXXX XXXX called and asked when I could pay. I told her again I thought I could refinance. She said you can but how do I know your going to pay going forward. I explained why I was behind and explained I came to the store with full intention to bring my loan current. She replied with a smart remark and I stated she was making me angry and that I 'm trying to be respectful. She stated oh I am making you upset. I said yes and she said I 'm messing with her money loudly in my ear I explained I owe XXXX XXXX and she said I 'm messing with her money. I ended the call. I feel like Im being harrassed even after making attempt to get current. I was given misinformation which is why I 'm still past due. I do n't appreciate the girl speaking to me the way she did when they messed up. I told them my pay date and even tried to ensure I would be in my next off day. I just wanted to refinance and get current. They threaten to take my car but are hardly helping me. This is the XXXX XXXX in XXXX XXXX  Missouri located on XXXX and XXXX XXXX.
Product: Payday loan, title loan, or personal loan

Ace Cash Express is holding me liable for a payday loan account I didnt apply for. The account is fraudulent and an unauthorized pay day loan account. I filed XXXX  XXXX bankruptcy with the United States District of Court District of Minnesota Bankruptcy Court. On XX/XX/XXXX all of my debt was discharged under XXXX  XXXX bankruptcy in bankruptcy court. I never applied for any payday loan account with Ace Cash Express. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
Product: Checking or savings account

I went to dinner at XXXX and XXXX on XXXX XXXX XXXX on XX/XX/year>. The total for the bill plus tip was {$67.00}. 
The next morning my card appears to be charged in the amount of {$370.00} on the same date as the charge of {$67.00}. {$370.00} was charged for a XXXX in XXXX, FL with zip code XXXX. I went to this XXXX on XX/XX/year> after filing a dispute with my Chase bank and them denying the fraud dispute. The XXXX stated they had no charge with the card number on that date nor did they find my name in the system for a stay with them in the past. I called my bank and they informed me that at the time {$67.00} was charged was the exact same time {$370.00} was charged which was at XXXX on XX/XX/year> and they both were in person charges. I never authorized a {$370.00} charge at XXXX as I can not be in XXXX places at the same time. 
I have been dealing with this fraudulent dispute with Chase bank for about a month now and they have not been helpful nor making any sense. They asked me to submit documents to prove that this was fraudulent and I did not process this payment. They were not clear in what specific documents so I submitted through the app a police report document that I filed and an email from the hotel that stated that I was not there. They told me that those documents were not sufficient and because the card has a chip on it, their system is showing that I was physically there. Which doesn't make sense because how can I be in XXXX places at the same time. This matter has not been handled properly by Chase XXXX XXXX department and I will continue to take this matter up the chain of command because if this can happen to me, neglectful work by the claims department, this can happen to anyone.
Product: Debt collection

The company is ERC and it is a autodialed recording asking me to call back with a reference number provided. 
According to my financial records and the credit bureaus I owe no outstanding debit for which I am past due. 
My telephone number has been on the no call list for years.. 
The offending tel number is XXXX
Product: Credit reporting or other personal consumer reports

It seems FCRA 605B obliges us to delete any erroneous accounts from my credit report. Can you verify the documents? Some of the accounts shown contain inaccuracies in reporting, such as wrong amounts and dates.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 collection bureau of a has violated 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent certified letter to Equifax regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX informing them they were in non compliance and also in violation of the Hippa Law.I also sent a copy of the attached letter sent by XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating they had requested the credit bureau delete the account from my credit report. This same letter was sent to XXXX and XXXX and they took the account off my credit report. 
Equifax stated this account was verified. ON XX/XX/XXXX I filed a complaint with the CFPB Equifax responded on XX/XX/XXXX COMPANY 'S INTERIM RESPONSE stating Equifax has received your complaint submitted through the CFPB portal. We need more time to review and thoroughly research your submission. Once we've completed our research, we will provide an updated response with our findings.On XX/XX/XXXX responded to thru the CFPB website. Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. It Is now XXXX and this account is still being reported by XXXXThis willful non- compliance, I sent proof account should be removed and it was ignored. The letter I sent was to Attn : Dispute Manager at Equifax. I want this account removed immediately from my credit file with Equifax. There is no need for another investigation I have attached the proof this account should not be on my credit report and it being ignored by Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account XXXX XXXX XX/XX/XXXX Amount XXXX Date XX/XX/2017
Product: Debt collection

a few years ago I got a collection notice from XXXX stating i owed a medical bill for my daughter, XXXX XXXX XXXX XXXX. I was confused because I NEVER received an initial billing from the hospital for her ER visit and I assumed she still has medical insurance at the time. I panicked because I knew it was affecting my credit so I tried to call and notify them that the bill was never sent to me. They said it was sent several times and was passed due so it was sent to collections and I can attempt to dispute it once its paid off. I called XXXX and set up a payment plan. This month I finally finished paying everything off. I checked my bank account to get in contact with the Medical Business Bureau to dispute it since they notified me that I could once it was paid off. When I called them XXXX ( XXXX ) XXXX they stated the bill I'm refering to under " XXXX '' opened on the XXXX of XXXX in XXXX that is NOW CLOSED because i paid the {$2100.00} amount. However we couldn't proceed with the initial information intake because the date of birth and address did NOT match mine. They notified me that it sounds like identity theft and I need to report this. I gave them BOTH of my addresses that are for my residency for the last 20 years at XXXX XXXX XXXX XXXX XXXX CA XXXX and my current address since XX/XX/XXXX at XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX. 
They stated the address on the account is XXXX XXXX XXXX XXXX and I don't know anyone with that address! They also stated the date of birth was different. My date of birth is XX/XX/XXXX, the date of birth they had on file was XX/XX/XXXX! 


For the past several years I've been paying off someone else 's bill! AND my credit has been affected by it!
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payment isn't late. Company made error in reporting payment late. Payment was not late. XXXX payment isn't late.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  AND DEPT OF ED/XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in to be removed. 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. XXXX XXXX XXXX AND DEPT OF ED/XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a free credit report from trans union by mail ... My first experience was to go to their website where they hide information about CHARGING for a credit report in small print. They ask for a credit card and one can not proceed unless you submit one ... They charge your card monthly regardless of the the FREE report they are supposed to provide.. 
.. I contacted transunion who said they are permitted to charge credit cards and blamed me for not reading the tiny print and they refused to close the account and I was forced to file a dispute. I immediately contacted my Credit Card and disputed the charge, they then stopped charging my account ... HOWEVER they never gave me access to the credit information and they still refuse to do so. I requested a Credit report by mail and they sent the report refusing to give my Credit Score. The problem is transunion has given my credit score to several credit card companies who are sending me offers I signed up for the no call list but am still receiving these. I have verified that the other credit reporting agencies are not giving out this information This means transunion is giving out my credit score to others without my permission yet refusing to provide it to me without charging me for it. I want everyone to know that transunion is violating the no call list and that they have refused to provide a credit score. it is my understanding that they can not give out information and refuse to give me that information. This clearly would include giving out a score to credit card companies yet refusing to give me that score.. They have violated misusing my personal information as they are required to provide me with any information they give to others which absolutely includes a score they give out to others. The CFPB needs to stop both transunion forcing a credit card to get information and transunion charging accounts unknowingly. Also Transunion must be stopped from giving out information to Credit card companies that make offers via email and phone. A no call or contact list is supposed to be valid for 5 years and Transunion is violating personal privacy, and on top of that refusing to provide the public with the information they provide to others.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX
Product: Student loan

I have XXXX student loans serviced by XXXX ( XXXX ). I refinanced both loans into a single loan with Wells Fargo, and my husband cosigned the loan. According to Wells Fargo, they sent a check to XXXX on XX/XX/2017, and began accruing interest on the balance they had lended to me. It is now XX/XX/2017, and XXXX is saying they never received the check from Wells Fargo, and that I am late on my XX/XX/XXXX payment to them. I have already paid the maximum that I can afford to Wells Fargo for the month of XX/XX/2017, because I did not know that I would have to pay both loans simultaneously. 

I have had multiple conference calls with XXXX and Wells Fargo customer service representatives. XXXX says that Wells Fargo has to provide an image of the check and proof that it was cashed, if in fact the check was cashed. Wells Fargo says that they can not provide that. 
Also, Wells Fargo says that it can take 60 days for the check to process, but by that time, I will be 63 days late on my payment to XXXX, and XXXX says they will go to the credit bureau by this time. This will damage my credit. I essentially am burdened with twice the debt that I originally had, and am offered no solution from either bank, but to pay XXXX for a 60-day period until the payment processes. 

My XXXX account is under My maiden name ; XXXX XXXX, and my father XXXX XXXX My Wells Fargo account is under my married name XXXX XXXX, cosigned by my husband XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my dissatisfaction and frustration regarding the ongoing issue with my open account at your bank. Despite my previous attempts to rectify the situation, it appears that the matter remains unresolved. I initially brought the matter to your attention through. At that time, I explained the circumstances surrounding the late opening of my account and requested prompt assistance in resolving the issue. However, to my dismay, the matter persists. I understand that mistakes can happen, and I appreciate your efforts in addressing the issue after my initial complaint. Unfortunately, the situation has not been rectified, and it is causing me considerable inconvenience. As a valued customer, I expected a more expedient resolution to such a matter. I kindly request that you investigate this issue promptly and provide me with a detailed explanation of the reasons behind the continued delay. Additionally, I would appreciate a clear timeline for when this matter will be fully resolved. I believe that transparency and communication are crucial in maintaining a positive customer-bank relationship. If necessary, I am willing to provide any documentation or information that may assist in expediting the resolution process. I trust that Credit Bureaus values its customers and will take the necessary steps to rectify this matter promptly. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX XXXX Balance : {$120.00}.
Product: Credit reporting or other personal consumer reports

Was informed by XXXX XXXX  that my information had been compromised in a recent data breach. 
I froze all XXXX of my credit reports and went over them and identified an inquiry ( XXXX Bank XX/XX/year> ) I do not recognize nor remember initiating, I then verified that I had no personal credit account open with them. 
I called into Transunion and tried to have the inquiry removed but they said I needed several documents ( State ID, Social Security Card, Police Report/Affidavit, Recent Utility Bill/Bank statement ) I am submitting those document through this complete in hopes of a fast resolution.
Product: Payday loan, title loan, or personal loan

Im writing to you to see if your agency would be able to review First National Banks practices and correct all the related charges created and caused by First National Banks personnel. Over the past several months, Ive repeatedly tried to get various individuals within First National Bank to correct and make good on the issues relating to a five year loan which I had taken with this bank. This five year loan recently approached its maturity date which I was initially told I could renew. Just shortly of the maturity date, First National Bank informed me that they would not renew this type of loan. Due to all the delays from the local branch managers, false promises, run-arounds and customer service failures, I was informed that I now owe a late penalty fee of nearly {$13000.00} or First National Bank would take legal action against me. I wanted to make one more attempt to explain the circumstances and issues created by the branch managers to resolve this issue by writing to the president of First National Bank. 

Due to the notice of legal action, I proceeded and made arrangements to pay off this loan together with the wrongful late charges along with other increased interest charges. I only did this since it was clearly futile to continue dealing with the various First National Bank personnel. 

Meanwhile, Ive recently learned that it appears that these branch managers ( both XXXX XXXX and XXXX XXXX XXXX have not reported the full truths and promises made by them to their upper management which has resulted with this bank standing firm by charging me nearly {$13000.00} for an additional late fee together with other charges regarding the payoff of this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint and spoke to someone in efforts to resolve. I do hate to constantly submit complaints but unfortunately this is the only way the company respond. I financed my XXXX XXXX XXXX in XXXX of XXXX. XXXX XXXX was my account manager. Long story short, due to COVID-19 you guys INACCURATELY reported to TransUnion that XXXX wasn't making payments to COVID-19 which was incorrect. After I reported the discrepancy to TransUnion and provided proof that I was making payments the account was removed from my credit report instead of being corrected. The loan is now paid off and closed and it should accurately reflect that on my credit report. I spoke to someone from the XXXX XXXX XXXX over the phone regarding this situation after submitting the first dispute and was told to contact TransUnion. After contacting TransUnion I was told to contact the finance company and request that they submit a reinsertion request for the loan. Please, I just need my credit history to accurately reflect I am a young male who is trying so hard to make a great living. Please help me resolve this simple issue so I can leave great reviews on the company.
Product: Mortgage

XXXX XXXX XXXX XX/XX/2022 Loan # XXXX To whom it may concern : I was transferred over from XXXX Mortgage in XX/XX/2022, before I was transferred I completed my Loan modification in XXXX of XXXX Since then, Midland mortgage continues to say that my loan modification hasn't been completed and that they are waiting for the VA to accept the partial claim. I contacted the VA and spoke to the assigned representative handling my case. She advised that the partial claim has been completed and that Midland Mortgage should have all the information to update my account. However, every time I call Midland, they tell me that they are waiting for the VA. This delay has caused me stress and is delaying my refinance since I can't order a payoff until my account is updated to reflect the partial claim. I've spoken to multiple agents at Midland and asked to speak with a supervisor but they continue to tell me that my request is pending review. I have done everything on my end but I continue to get the run around from Midland. Please help me get this resolved so I can move forward with my refinance. 



XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Checking or savings account

On XX/XX/XXXX this year I made a payment thru XXXX XXXX to my Insurance agent in the amount of XXXX Dollars. Agent is. XXXXXXXX XXXX XXXX located in XXXX NC. phone number is XXXX XXXX XXXX ask for XXXX. I received a call from agent they were cancelling my policy for non payment as of XX/XX/XXXX. I went tp bank and talked to agent of theirs. Wells Fargo. XXXX XXXX XXXX XXXX  SC. Wells Fargo claim number us XXXX phone number is. XXXX XXXX XXXX or XXXX XXXX XXXX money shows being deducted from my acct but XXXX XXXX XXXX has never received it. I had to pay an additional XXXX to keep my insurance. Somewhere someone is sitting on my XXXX and I want it back. Thank You.j
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 reporting or other personal consumer reports

I am disputing the accuracy of the information reported on my credit profile.