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

Less than 3 weeks ago I first applied for a personal loan with ONEMAIN FINANCIAL and was denied. Approximately 1 1/2 weeks after that denial I received an email from ONEMAIN FINANCIAL soliciting me to request again for a personal loan. I did apply again and received a call from " XXXX '' from ONEMAIN FINANCIAL on or about XX/XX/XXXX and he informed me after asking numerous questions that I was " APPROVED ''. XXXX asked me to submit ( 1 ) Pay Stub ( 2 ) Phot ID ( 3 ) Authorization to release information form. XXXX told me I was approved for {$7200.00} but I told him I only needed {$7000.00}. XXXX told me how much my monthly payment was going to be, interest rate, & the term of the loan ( 60 months XXXX. On or about XX/XX/XXXX I was notified by ONEMAIN ( name of rep unknown - did not write it down ) my loan was denied but the following day XXXX called me and said it wasn't denied but rather it was approved by underwriting but the fraud department of ONEMAIN needed more information. XXXX asked me to provide a copy of a voided check and my W2 from XX/XX/XXXX. I told XXXX that I felt uncomfortable providing so much private information. XXXX told me " your loan is approved don't worry it's that the fraud department needs my information because of my fraud alert on my credit ''. I submitted the documentation XXXX requested and the following day I was conducted by XXXX stating that the fraud department has verified and confirmed all the documentation I provided but needed more. XXXX asked me that I need to provided a copy of my social security card, utility bill, & a copy of my most recent bank statement. I displayed my concern to XXXX regarding feeling uncomfortable providing such private information ( 9 DOCUMENTS IN TOTAL ). XXXX told me " your loan is approved & the fraud department needs this information because of the fraud alert in your credit ''. I emphasized to XXXX that I will only provide additional documentation if he is certain my loan is approved. Without hesitation XXXX stated " It is the only thing holding the funding into your bank account if for the fraud department to have the documentation because it is in the best interest of ONEMAIN to have it because of my fraud alert on my credit report ''. Although I was very hesitant and uncomfortable with the additional documentation being requested of me I told XXXX I will provide this additional information only because he has assured me that the loan was approved. Approximately 3 days later I got a phone call from a ONEMAIN representative telling me my loan was denied ( very unprofessional & rude ).
Product: Money transfer, virtual currency, or money service

I can not connect my XXXX account to coinbase to withdraw money.
Product: Debt collection

On XXXX XXXX, XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX XXXX, XXXX, Georgia stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account CAR FINANCIAL SERVICES via phone, email or fax. 
I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with CAR FINANCIAL SERVICES ( XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX ). 
On XXXX XXXX, XXXX I received official correspondence from Recorder of Deeds in the county of XXXX XXXX XXXX XXXX, Georgia, ( XXXX XXXX XXXX, Clerk Superior, State and Juvenile Court, XXXX County, Georgia ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XXXX XXXX, XXXX I sent legal notarized affidavits from XXXX County, Georgia to XXXX, XXXX and XXXX stating the following : To the Following : XXXX, XXXX XXXX, XXXX, TX XXXX ( XXXX. XXXX XXXX, XXXX, TX XXXX ) XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX ( XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX ) XXXX XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX ( XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX ) This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with CAR FINANCIAL SERVICES ( XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ). 
On XXXX XXXX, XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing CAR Financial Services , Inc. the following : I do n't know anything about this debt please send to the Original Creditor. 
As Resolution of this complaint, I ask that CAR Financial Services , Inc. stop all current and future correspondence with me and their company be erased from my current credit report. 
Thank You, XXXX XXXX
Product: Debt collection

I contacted Diversified Adjustment to dispute the debt. On their notice is explicit writing that says call or write us to dispute the debt. Their customer service rep said I could only do this by visiting their website but it clearly states that I can do this by calling them directly.
Product: Credit card

My credit card was used multiple times without my permission. The transactions involved 8 charges of XXXX and 4 charges of XXXX. The credit card company did not activate a fraud alert for repeat suspicious transactions. I find this weird since, in the past, I tried filling up XXXX cars at a gas station, and the credit card company declined the second transaction but not these multiple transactions. I filed a fraud claim with the company when I noticed my credit card information was compromised. The company denied my fraud claim since I did log into my account during that time period and made a payment. At that time, I was using the card a lot for XXXX since my car was in the shop, and I figured the balance was due to the tips for XXXX rides being processed. While I did log in to check my balance I did not check/notice any suspicious transactions. Once my payment cleared, I tried to make a withdrawal which was denied due to the card being maxed out again by more fraud charges. This is when I noticed the fraudulent transactions and notified the company. The company is saying I am responsible for the charges since I logged into my account and should have noticed, but I do not think that is fair since the company should have issued a fraud alert and denied the multiple transactions. The transactions made do not follow my spending habits and should have been flagged. The company also said I only had 14 days to submit paperwork for the fraud complaint. Looking at the regulations, I believe I should have had 60 days. Once the claim was denied I called the company and was supposed to receive a call from a supervisor but it has been a week and I have not received a call from the supervisor.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Transunion will investigate this account to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX, on Behalf of Themselves and All Others Similarly Situated, Plaintiffs, v. XXXX XXXX XXXX LOAN SERVICES , INC., EQUIFAX INFORMATION SERVICES , LLC, TRANS UNION, LLC, EXPERIAN INFORMATION SOLUTIONS , INC. and VANTAGESCORE SOLUTIONS, LLC, Defendants. Case No. CLASS ACTION COMPLAINT ( I ) Violations of the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( II ) Violations of the California Consumer Reporting Agencies Act, Cal. Civ. Code 1785.14 ( b ) ( III ) Violations of the California Consumer Reporting Agencies Act, Cal. Civ. Code 1785.25 ( a ) ( IV ) Violations of the California Unfair Competition Law, Cal. Bus. & Prof. Code ************* ( The US Department of Education is continuing to report my student loans as derogatory on my credit report. As a a result of Presidential decree my loans are in CARES Act ADMINISTRATIVE forbearance through XXXX/XXXX/2020. However, they are neing reported as open and past due on Experian. This resulted in my being denied housing during the pandemic by XXXX  XXXX use of an Experian credit report. I ask that they immediately update this reporting. The Coronavirus Aid, Relief, and Economic Security Act or, CARES Act, was passed by Congress and signed by President Donald Trump on XX/XX/2020 I will be a member of the class action above.
Product: Credit reporting or other personal consumer reports

I am attaching evidence of the more than 5 errors that are showing on my credit report and that are damaging it with incorrect information that must be removed. I know they are working on the situation and I appreciate it, I have attached more evidence of the particular situation. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent multiple letters off stating that I was involved in identity theft. Even sent the police report and asked if the creditor would remove the false account but they never took action.
Product: Credit reporting or other personal consumer reports

HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

" XXXX THE XXXX REP '' Hello, I'm XXXX, a loyal Wells Fargo customer since 2017. I recently had an unfortunate experience when I called XXXX and spoke with XXXX, employee # XXXX. Right from the start, XXXX 's tone was negative, and he didn't greet me with his name, which is different from the usual Wells Fargo representatives. His behavior was rude, unprofessional, and he spoke over me, even raising his voice. I felt attacked, confused, and small after our conversation. 

The experience was so distressing that I had to take XXXX XXXX  afterward. I even reached out to my XXXX  colleagues to ask if such behavior is typical in their interactions. As a woman of XXXX, I felt degraded. 

I believe XXXX 's conduct goes against the principles of respect outlined in the FCRA act. I was calling to resolve a debt, but after this encounter, I am reconsidering my association with Wells Fargo. I won't be making any more payments to the bank and will share my experience on social media to bring attention to how poorly XXXX treated me. I'm particularly concerned about the possibility that others, especially people of XXXX, might be treated similarly. 

I find it disheartening that such a situation occurred, and I recommend everyone to consider alternative banking options, such as XXXX XXXX XXXX had never encountered anything like this before. When I informed XXXX that I was recording the conversation, he stated he didn't care, so I believe I have the right to share it with my XXXX followers on XXXX and XXXX on XXXX. This incident may gain attention, and it's essential for Wells Fargo to address it promptly.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I called into Wells Fargo to make an additional principal payment of {$20000.00} on my small business loan. I saw the {$20000.00} principal payment leave my external account and didn't think anything of it. I have made similar principal payments from this account several times before. 

On XX/XX/XXXX, I reviewed my loan statement and noticed the {$20000.00} principal payment was not. I called into Wells Fargo to let them know and gave them more details of the missing payment ( external bank account details, transaction details, etc. ) They had told me that this was applied to the incorrect loan number internally and they would put a rush to resolve the issue due to the time that has passed and high dollar value. They had told me that they submitted a research request and get back to me in a few days. 

On XX/XX/XXXX, I called into Wells Fargo and spoke with someone about the missing payment. After looking into the issue, I was told that there was a research request in but no one had taken action as the request was not clear. After explaining the issue again, they verified that the {$20000.00} payment was applied to the wrong loan. They also said that they would send an updated research request form that would hopefully resolve the issue. When I mentioned that I would like to log a complaint, I was disconnected. 

I do not know where my {$20000.00} went, if I will ever see that money, or how to log a complaint with Wells Fargo. I have lost enough sleep over this and just want this to be resolved.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

An account was set up in my name, without my knowledge or authorization at XXXX XXXX. I did not request the account to be set up. 

I received a letter from them with a debit card. I am in the process of contacting the company to get the account closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey I opened up a XXXX big card account through XXXX XXXX then I closed it paid it in full with my payees help however the credit bureaus are all showing that this payment was late and that it's a derogatory account. may I remind you that this was closed months almost years ago this was paid in full on a payment plan it is XXXX  it should not be marked as derogatory this letter that I'm attaching to this complaint will verify that it's been paid please forward it to the this complaint and the letters to the credit bureaus all three of them
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 Balance : {$19000.00} 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 XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt.
Product: Debt collection

Complaint Against Warner Law Firm for Wrongful Garnishment Enforcement Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Warner Law Firm regarding their wrongful garnishment enforcement and failure to comply with Michigan and federal consumer protection laws. Despite my full compliance with a legally binding payment agreement, Warner Law Firm has proceeded with improper garnishment actions against me, causing undue financial harm.

Summary of the Complaint Warner Law Firm Entered a Payment Agreement and Later Ignored It On XX/XX/XXXX, I proposed a structured repayment agreement for a balance of {$1000.00}. 

On XX/XX/XXXX, Warner Law Firm accepted this agreement in writing, legally binding both parties to its terms.

Since then, I have made four ( 4 ) consecutive, timely payments toward this balance.

Despite My Compliance, Warner Law Firm Initiated an Unlawful Garnishment On XX/XX/XXXX, I received a notice from the Michigan Department of Treasury stating that my tax refund was being garnished despite my active payments. 

Under Michigan law ( MCL XXXX ), once a repayment agreement is in place, a creditor must file a release of garnishment and notify the court and state authorities. 

In XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX ), the court held that creditors can not take enforcement actions, such as garnishment, when a debtor is actively fulfilling a repayment agreement.

Warner Law Firm failed to notify the court and the Michigan Department of Treasury, allowing an unjust garnishment to occur.

Warner Law Firm Falsely Claimed I Misled Them About the Garnishment Warner Law Firm falsely alleged that I misrepresented the prospect of a tax garnishment.

At the time of the agreement, I believed I owed back taxes and was informed by the IRS that I would not receive a refund. 

I acted with full transparency and requested a structured payment plan to avoid any collection actions, proving I was acting in good faith.

I have email records proving that I requested the firm cease garnishment efforts, further proving my intent to resolve this matter properly.

Violation of Consumer Protection Laws Warner Law Firms acti
ons constitute : Unfair and deceptive collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ).

Failure to adhere to Michigan consumer protection laws ( MCL 445.901 et seq. ). 

Breach of contract by disregarding the legally binding payment agreement.
Product: Credit reporting, credit repair services, 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. 

Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account XXXX : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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.
Product: Debt collection

The creditor Senex reported an unvalidated debt to the credit agencies. I sent them a dispute letter that included request for immediate removal of this and they responded by sending me a copy of a statement ( which for all I know could have been taken from a trashcan ), ignored sending proper validation that shows I specifically owe them, and simply reported to credit agencies that it is in dispute and it was NOT removed, which they are not allowed to do to begin with since it has never been validated. There is also a stamped note from Senex that says the account balance was adjusted to {$0.00}, how do I know the hospital did not write off as charity as they commonly do?
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items. 
2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX and Transunion continue to violate my rights. They refuse to investigate my claims or provide me with their method of verification. They only send stall letters. This is destroying my life.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ). due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX MN ; XXXX XXXX Balance Owed : {$6100.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXXXXXX XXXX Balance Owed : {$5000.00} ; XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2400.00}.