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

MY NAME IS XXXX XXXX. I HAVE been getting loans through heights finance for XXXX  years now. in that XXXX  years i have only went past the XXXX  day grace period once before this time and that was when my little brother XXXX XXXX XX/XX/XXXX XXXX i called XXXX XXXX that week and told the woman she said theres nothing i can do about that but i can refinance your loan and give you another XXXX i hung up on her and never went back to XXXX  office XXXX i had my loan switched to XXXX. when i got this last loan i told the woman that i can not get calls on phone cause i drive a XXXX XXXX  XXXX all day. she said ok we will mail any issues. this month she started calling numerous times everyday last week she called and phone rang and it startled me and i almost hit the bridge. later in week i had to pick a resident up at XXXX and while in XXXX i called the customer service line and told her issues and that i would pay on XXXX which i did and didn't want called it was unsafe cause of my job unless called when home at around XXXX XXXX. i was only XXXX behind at that time and now today i get a letter saying pekin is going to send letter to work to garnish wages.. this is completely wrong of her to do this the loan wasnt even a whole month behind. very bad service from her and i'm sure heights corporate doesnt agree with what she did. my XXXX a hour raise didnt go in affect till XX/XX/XXXX and wont show till XX/XX/XXXX or XXXX check. at that time i will pay the next XXXX payment will be within the XXXX  day grace period. if you look you will see i have always paid my loans off early. i would like a hand written letter of apology from heights finance in XXXX and sent to me or whats better is have XXXX XXXX the XXXX miles to my mail box and leave it in my mail box in XXXX XXXX. if this isnt mailed or left in mailbox i or any person i know will no longer after XXXX  years get loans though heights. .please have them do this asap. this is always a very hard time of year for me dealing with what my little brother did please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act, XXXX XXXX XXXX  acct # XXXX has violated my rights 15 u.s.c 1681 section 602 a States I have a right to privacy 15 u.s.c 1681 section 604 A Section 2 states a states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Secure Credit card with PNC for {$300.00}. they never sent me a bill and I never got the card but they charged kept charging me a membership fee and reported late on my credit report.
Product: Credit reporting

When working on building my credit, I took out a loan from XXXX XXXX XX/XX/XXXX. I paid as agreed and on time until XX/XX/XXXX ( 12 months ), at which point they offered me a new loan and to consolidate the remaining balance of my old loan into the new XXXX. Since 12 months of payment history was reported, I decided to do this to help my credit scores even more with another loan. I paid that loan off XX/XX/XXXX. During this time, I had not missed a single payment on my loans, however, the original loan was never reported as closed, and shows a 90-day late payment XX/XX/XXXX and two 30-day late payments as well. 

I have disputed this account several times with the credit bureaus, of which Experian and XXXX WILL NOT remove the account, XXXX did on the first dispute. 

This account reports my ONLY late payment in my credit reports and is harming my credit scores and making me pay higher interest rates for all of my loans. 

The fact that Experian and XXXX will not properly investigate the account is the primary issue. I 've contact Lendmark on multiple occasions and have received multiple verbal responses ranging from " I see the error and will get it corrected '' to, " we have no record of a late payment '' to " We do not show your other account with us ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX, # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the following fraudulent accounts off my Credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}. UNder the FCRA section 605b, you are required by law to remove these accounts off my Credit file since these accounts resulted due to my identity being stolen.
Product: Money transfer, virtual currency, or money service

Wells Fargo Sent a XXXX through their system, and held the funds for 15 months. After many attempts I was unbale to get the funds. 15 months later Wells Fargo sent a check. They took the money and held it for 15 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 have contacted the credit bureaus multiple times regarding this inaccurate and inconsistent account.These discrepancies do not align as required by the Fair Credit Reporting Act ( FCRA ), which mandates the maximum possible accuracy of information in consumers ' credit reports. 
Therefore, I request that you investigate this matter promptly and delete any inaccurate or inconsistent information from my credit report.
Product: Checking or savings account

On Monday XX/XX/2019 my XXXX account was hacked into and the person charged my debit card {$2200.00} which caused my account to be negative. I immediately called the fraud dept of chase bank.I then called XXXX  to cancel the order, received an email confirmation that the order was canceled. chase bank said they will cancel my card and open a claim, and within 12 hrs a temp credit will be issued while they investigate the charges. Tues XX/XX/XXXX, i checked the bank, no credit was issued, i call the fraud dept back, they then tell me, there is nothing they can do because the charges are " pending '' on the account, they can only issue a credit if the charges have " posted ''. I then called XXXX, spoke to a manager, she stated there is nothing they can do about the pending charges, it is on my bank. XXXX did offer to write a letter to chase to explain the order was canceled ... Chase bank refused the letter ... so now this is day 3, my account is still negative, i have no debit card, i cant buy my children food nor diapers ... I am being held accountable for something that is out of my hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter to the company EXPERIAN in reference to alleged accounts being reported on my report incorrectly that are not being properly verified and are not mine. These alleged accounts are XXXX XXXX in the amount of XXXX, XXXX XXXX XXXX, and XXXX   XXXX XXXX. I am requesting they send me copies of any documents with my signature on it stating I have contracted with these companies. Not just a letter stating it was verified by some automated system or e-Oscar.
Product: Credit reporting or other personal consumer reports

Self Financial is improperly reporting negative items to my account, the account was a prepaid account in which I paid upfront and used fraudulently.
Product: Credit card or prepaid card

Chase refuses to close my credit card account and keeps sending me new credit cards.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and concern regarding the recent attempt to rectify the late opening of accounts. Despite assurances and prior attempts to resolve this issue, I find it disappointing that a second attempt was necessary to address the matter adequately. 

I understand that mistakes can happen, but repeated oversights are unacceptable. This situation reflects poorly on your company 's efficiency and attention to detail. Moreover, it raises questions about the reliability of your services and the level of professionalism exhibited in handling customer accounts. 

I urge you to take immediate action to rectify this situation and ensure that similar delays do not occur in the future. Additionally, I expect clear communication regarding the steps being taken to prevent such issues from arising again. 

Furthermore, I request compensation for the inconvenience and time wasted due to the delayed account openings and the need for a second attempt to correct the error. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXXXXXX XXXX  XXXX Balance : {$36000.00} ; XXXX XXXXXXXX Balance : {$20000.00}.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( insert date Always add month and year ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 
XXXX 1 LATE PAYMENT Balance details 36 % paid off Balance {$210000.00} Balance updated XX/XX/year> Original balance {$330000.00} XXXX 2 LATE PAYMENTS Balance details 57 % XXXX off Balance {$65000.00} Balance updated XX/XX/year> Original balance {$150000.00}
Product: Credit reporting or other personal consumer reports

The amount of Debt listed on all three ( Equifax, XXXX and XXXX ) Credit Bureaus are inaccurate. They are all report XXXX different amounts of debt. And I don't owe any debt. I've filed a dispute with all three of the credit units and nothing is ever resolved.
Product: Debt collection

Focus Financial Management has been calling my place of business " in an attempt to collect a debt '' IT is a robo call they do not have any information, nor have I ever received any communication through the mail. I do not have any unresolved business accounts. They called me this morning XXXX/XXXX/15 at XXXX.
Product: Money transfers

I attempted to send XXXX XXXX to my friend XXXX, living in the XXXX, sending him the money at XXXXPST on the morning of XX/XX/XXXX.By XXXX, He had not recieved the money. Angry at Paypal, i proceeded to cancel the payment and try using the service through XXXX instead. The service there was able to transfer the lesser amount of XXXX XXXX to him with no problems or delays. It 's been about 20 minutes since then, and i have yet to receive the refund promised to me by the company of {$290.00} ( XXXX XXXX converted )
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 usc 1681a2 of the fcra lending companies are supposed to have my written consent as me giving my approval to pull my credit file which I never have done so there has been multiple companies who have illegally obtained my credit report and this has caused me issues obtaining credits and have left so many inquiries on my credit profile it is hurting not only my score but my profile and my ability to use my credit properly I'm asking for these hard inquiries to be removed the only inquiries that belong on my credit reports are from accounts that I have opened myself I have not given any such permission so if these companies say they had permission I'm requesting by law written proof with my signature mailed to me if this can not be done any and all inquiries must be removed by law listed below are the credit card or loan companies date of inquiry and a list of their names thank you for your Swift and decisive action as I have been dealing with this for over 2 years now I also have sent an FTC reports multiple times and done everything I was asked to do and these credit bureaus have yet to do what they're supposed to do by law aside from XXXX they were the only ones to remove fraudulent inquiries however this issue is for Transunion and XXXX companies are listed below Transunion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please make sure every one of these are removed and if you find their legitimate I'm requesting the proof with my signature on a contractual agreement mailed to me as per the law states if this proof can not be submitted they must all be removed thank you and I hope this is handled in a timely fashion as it has already been 2 years since I've been starting to deal with these as they have came up I am only asking for my rights to be legally followed as the law states so if there is no proof mail to me these need to be deleted if not this will be a flagrant violation at the fcra and these companies will be fine {$1000.00} per violation as the law states that I wish would be paid to me as I am the victim of this nonsense thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally applied for a loan with XXXX XXXX on XX/XX/XXXX for underwriting. The loan ( XXXX ) was pre-approved and then transferred to Mortgage Loan Officer-XXXX XXXX on XX/XX/XXXX because he was licensed in Georgia. 

On XX/XX/XXXX, XXXX XX/XX/XXXX access my credit file unbeknownst to me and started another application for underwriting even though they had all the necessary documents. 

On XX/XX/XXXX, after I pressed the issue with XXXX XXXX, the Georgia branch manager, however no logic explanation was given. On XX/XX/XXXX, I terminated my loan ( XXXX ) and relationship!
Product: Money transfer, virtual currency, or money service

I have accounts at BOA, I got scammed and sent money to the scammer three different times via wire transfers. The first transfer was completed with payment of {$24000.00} to an individual account on XXXXXXXX XXXX from online banking on XXXX  The second transfer was completed with the amount of {$35000.00} on XX/XX/ and the third transfer was completed with the amount of {$30000.00} on XXXX Those XXXXwo transfer sent to the same account of BOA. the account name was under " XXXX XXXX XXXX '' which is a property management company. The scammer told me I am making payments to XXXX XXXX XXXX XXXX This is totally scammed. I found all true information via XXXX XXXX after I made all money transfer. I called back a week later to refund my money or cancel the transaction. They say they can only try with first transaction ( {$24000.00} ) since this was made on online backing. Other two transactions are not possible even though it was transferred to the same bank ( BOA ). Please help me to get a refund my money. I have all evidence that supports I got scammed. I got scammed by people in XXXX. they left me with bunch of debt and broke my heart.
Product: Debt collection

Block and remove the fraudulent account listed in my credit file immediately, per the law ( FCRA 605b ), or face legal action. Provide documentation bearing my signature within 4 business days ; otherwise, delete the information. I do not consent to E-OSCAR or automated verification. I demand swift resolution to this matter. XXXXXXXX XXXX XXXXXXXX Date Opened XXXXXXXX XXXX XXXX Balabe : {$11000.00}.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX My credit was pulled by Santander Consumer USA without my authorization. I've never given anybody the authority to send my information to Santander. On XX/XX/XXXX I contacted XXXX regarding this issue, and i was told i needed to have Santander send them a letter addressing the issue. When i contacted Santander ( XX/XX/XXXX ) I was informed that because I am not a member of theirs, they will not send the letter to XXXX. When I asked why my credit was pulled THREE times in the first place, the representative said she didn't know which was highly concerning. I am now stuck between a rock and a hard place as Santander is refusing to send a letter of deletion to XXXX, or ANY credit bureaus these fraudulent inquires have been sent to. XXXX told me to contact consumer finance regarding this issue, so here I am. Thank you.
Product: Credit reporting or other personal consumer reports

There was only one closed auto loan with XXXX XXXX XXXX included but not all account number : XXXX balance {$0.00} opened : EXPERIENCE BETWEEN CONSUMER AND CREDITOR IS EXCLUDED FROM CONSUMER REPORT PER 15 USC 1681a. FACTUAL INFORMATION IS EXCLUDED FROM CONSUMER REPORT PER 15 USC 1681a. This is Defamation in the Libel. Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. The inaccuracy is due to reporting PRIVATE CONSUMER TRANSACTIONS THAT REVEALS THE PRIVATE NATURE OF A TRUST BETWEEN THE CONSUMER AND THE CREDITOR AND VIOLATING 15 USC 1681a The FCRA provides people multiple ways to dispute inaccurate information on their credit reports. Commonly, people dispute the accuracy of information on their credit reports with a credit reporting company, such as Experian, XXXX, or XXXX. In response, the credit reporting company often refers the dispute to the company that provided the disputed information. When a person submits a dispute to a credit reporting company, and it is passed along to the company that originally provided the disputed information, the company is then required to conduct its own investigation into the disputed information. 

There was never a contract between the XXXX  XXXX XXXX ASSUMED NAME : XXXX XXXX XXXX and XXXX XXXX XXXX or any variations of or any titles or names derived thereof. There was never a consummation, no liens and no financing statements. See the attached Exhibits. XXXX XXXX XXXX EXPERIAN, XXXX, XXXX, XXXX XXXX has violated 15 USC 1681a ( exclusions ) and and other consumer data collecting agencies and/or companies ; are at fault for permitting improper data furnishing. The EXPERIENCE ( HISTORY ) BETWEEN CONSUMER and CREDITOR IS EXCLUDED from CONSUMER REPORTS. The CONSUMER REPORT is prescribed to reflect the full story and character of the natural person which is why it consists of INTERVIEWS of ones neighbors, associates & friends. When did you send me the details of these interviews, the names of who you spoke to?
Product: Credit card or prepaid card

I was their client since XX/XX/XXXX. Closed my account of {$17000.00} in XX/XX/XXXX without ever missing a payment and I 'm still paying for that closed account meaning that they have ALL my information on file .I believed that by being a previous client with past and current excellent credit, it would be easier to obtain a credit card for traveling purposes. I was approved for {$10000.00} and received my card only to see that it was restricted. I called and they kept asking for the same documents over and over even after admitting that they received them and explained that I would have to send them again. Each time the person would refer to me as M'am because my voice has a high pitch, which I 'm used to, but never had a problem for credit because of that.They even asked me to change my address on my XXXX account and I even did that because at this point I just wanted to " prove '' that I was me. I ask to go directly to a branch, they said it HAD to be done online. For over a few weeks I have been sending documents and every time I have to wait up to 72 hours for each documents they ask for every time they call. I even tried to speak to a supervisor from the department on XX/XX/XXXX at XXXX XXXX  and first the representative XXXX told me that they were all in a meeting and seconds later that there was only 1 available because they were in a change of shift. I ask to wait, XXXX explained that her supervisor XXXX was going to give me a call back and that was yesterday. I guess that is the longest meeting/change of shift a company has ever had. I called to cancel the card they already sent and I have n't been able to do that either. Plus they sent a fraud alert to the different Credit Agencies and I had to call each to clarify my identity, which happened without any inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX credit card account. I called to close the account in XX/XX/XXXX. Without any notice to me, XXXX XXXX XXXX charged an additional {$23.00} to the account and did not close the account. 

Because I had no notice, XXXX XXXX XXXX listed the account as unpaid and in XX/XX/XXXX reported it on my credit report. I attempted to resolve their error but was rebuffed.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you to perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXXXXXX XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX