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

XXXX XXXX XXXX sent me an email to get approved for a loan. I was approved for {$1000.00} on Monday, XX/XX/XXXX but accidentally gave them the wrong routing number due to the fact that my bank had changed names from XXXX XXXX XXXX Bank to XXXX XXXX XXXX Bank so I thought the routing numbers had changed. I discovered this on Wednesday, XX/XX/XXXX when I hadnt received my money. I called them right away and corrected the routing number. They told me that they would wait for it to be rejected by the wrong routing number bank ( XXXX XXXX XXXX Bank ) and then resend to the correct routing number bank ( XXXX XXXX XXXX Bank ) when it came back to XXXX XXXX XXXX. I received a voicemail from XXXX XXXX XXXX on Friday, XX/XX/XXXX to call them to verify my bank account number and routing number. I called them and spoke with a XXXX who then called my bank with me on the phone. She verified my account information with my bank. She then stated that she needed to call her underwriting department. She did just that and came back on the line and said the loan had been denied. I asked why and she said that I would be receiving an email with the reason. I received the email several minutes later. It states that they could not verify my bank information?? I then tried to talk to a supervisor but she just made more excuses. In that time frame on Friday, XX/XX/XXXX I also received another invitation to sign documents for another loan from XXXX XXXX XXXX. Which was also denied. 

I want to pursue this legally. I feel what they did was illegal and was discriminatory. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft! Ive sent multiple FtC reports to XXXX & XXXX & Equifax!! XXXX has blocked all fraudulent information from my file. XXXX & Equifax says its gon na take 60 days!! Per Fcra All Fraudulent accounts should be blocked within 4 days. Ive never done business with any of this companies. Some used my name and ID to get medical care & Apartments. 
XXXX XXXX XXXX XXXX XXXX! Is Fraudulent they cant provide my signature!! Because Ive never done business with them!! 
XXXX XXXX XXXX XXXX XXXX!! Ive never done business!! XXXX has blocked from my report! 
XXXX never received medical care XXXX  never received care XXXX  contracting never done business. 

Im A Victim Of Identity Theft!!!!! 
Please Send And UpDated Credit Report Via US Mail!!
Product: Debt collection

Lendly LLC issued a fraudulent loan through XXXX XXXX XXXX on XXXX in my name for the amount of {$1000.00} without my permission. I learned about this from a debt collector - XXXX XXXX XXXX , XXXX on XX/XX/XXXX of this year. The debt collector claims I owe {$1700.00} and has reported this fraudulent account to the credit agencies. XXXX XXXX XXXX shows as the 'current creditor ', XXXX XXXX XXXX shows as the 'original creditor '. I have NEVER done business with Lendly. I have never done business with XXXX XXXX XXXX or XXXX XXXX, XXXX. I did NOT authorize any such loan and it is clear a crime has been committed by using my information fraudulently. I filed a FTC fraud claim against Lendly on XXXX. I mailed XXXX XXXX XXXX a letter requesting a debt verification investigation on XXXX. I filed a police report with the XXXX County Sheriffs Office on XXXX, case number XXXX. I am mailing have mailed the FTC Identity Theft Report and dispute letters to XXXX XXXX, XXXX and Lendly LLC on XXXX.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6100.00} XXXX XXXX XXXX Balance : {$51.00} XXXX XXXX XXXX  TX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : - XXXX  XXXX XXXX Balance : {$51.00} XXXX XXXX ( Original Creditor : XXXX CHARTER COMMUNICATIONS ) XXXX Balance : {$570.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX BV XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$6100.00} XXXX  XXXX XXXX Balance : {$51.00} XXXX XXXX ( Original Creditor : XXXX CHARTER COMMUNICATIONS ) XXXX Balance : {$570.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$7000.00} XXXX Bankruptcy XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Lender refuses to postpone foreclosure sale to complete borrower 's loan modification review.
Product: Credit reporting or other personal consumer reports

I received my Lexis Nexus report on XX/XX/2023 and discovered that XXXX XXXX XXXX XXXX is reporting an address that is not associated with me to Lexis Nexis
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XX/XX/XXXXXXXX XXXX Syncs/aeXXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Syncb/AmazonXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Syncb/PayPal XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX There are all fraudulent inquiries that I dont not authorize the creditors to run my report
Product: Credit card or prepaid card

Barclays Bank refuses to close my credit card account. They also refuse to admit that it remains open. When I call, they insist that it has been closed since XXXX, XXXX. In XXXX, XXXX, they applied fraudulent transactions to my account. Over 9 phone calls and 2 months, Barclays staff consistently admitted that I was not liable for the charges and repeatedly made false promises that the charges would be removed. At one point, they even duplicated the false charges. After ten phone calls, they finally removed the false charges and returned my money to me. Barclays representatives also assured me that the account was closed. On two occasions, I even made calls specifically to verify that the account was closed, including on XX/XX/XXXX, and on XX/XX/XXXX. I made these calls separately from my calls about the false charges, and I documented them as separate calls just for verifying the closure. Barclays staff insisted on both occasions that the account had already been closed, and that I would receive a final statement no more than 90 days after its closure. On the second occasion, I asked to receive a paper statement acknowledging the closure of the account, and was told that one should have been sent to me, and that I am not allowed to have another one. I asked for an e-mail confirming that my account was closed, and this request was also denied. Today, XX/XX/XXXX, Barclays has issued me a bill for an account renewal fee of {$99.00}. 

I am attaching the following evidence : ( 1 ) an annual statement that shows no charges were made on my account by me after XX/XX/XXXX, ( 2 ) Statements from XX/XX/XXXX and XX/XX/XXXX showing an account balance of XXXX dollars, with the exception of the annual fee, ( 3 ) a screenshot of my account, showing the annual fee and new balance of {$99.00}, ( 4 ) a letter I wrote to CEO XXXX XXXX of XXXX XXXX dated XX/XX/XXXX, in which I asked Mr. XXXX to end his company 's business relationship with Barclays. This letter details, with contemporaneous notes, the misconduct of Barclays, and states that I am still waiting on the closure of my account.
Product: Debt collection

Once the due date has passed by a few minutes, they call both myself and my daughter more than once per hour which is very unreasonable.
Product: Debt collection

Discovered what I believe to be unauthorized accounts on my credit report. Request their immediate removal.
Product: Credit card or prepaid card

I worked hard to finally get myself out of credit card debt, especially with the 25 % interest they put on my account. I called and got my payoff amount and finally got my account to {$0.00}. Come to find out Chase wasn't don't yet and tacked on another {$240.00} interest charge, and then refused to waive it even though the card was at {$0.00} and there wasn't a purchase since XXXX.
Product: Debt collection

Several attempts have been made to property validate and remove the account with Portfolio Recovery Associates , LLC. I have requested on multiple occasions that a thorough investigation be completed. This way is properly completed you would see that I was only of age XX/XX/16 years old at the time the account was opened. A copy of a statement with fraudulent information is not property " proof '' or " validation '' per the FTC. I just enter the credit world and this account is destroying my options before even getting started, why not property validate the account by providing a signed application with my signature??? This would have resolved the issue and I have endured so much as a beginner. 
Please remove this account immediately, or advise why you choose to report an account that is not mine and that I would be unable to obtain based on my age at the time of opening.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions from XX/XX/XXXX to today XX/XX/XXXX telecheck  has incorrectly reported my personal check writing history to multiple retailers including : XXXX XXXX ( 6 seperate visits ), XXXX ( 3 seperate stops ), and XXXX  ( 1 stop tonight involving two transactions with two seperate checks written by me to retailer ). Each occasion telecheck has denied authorization of 10 seperate checks belonging to two of my accounts one a business checking account and the other a high yield investors checking account. The only grounds for denial being that they have zero history of me writing any checks in the past, which is incorrect as I wrote personal checks from my XXXX XXXX and XXXX checking accounts to my landlord for rent every month from XX/XX/XXXX to XX/XX/XXXX ; all of which were cleared without issue by my landlord. The two payments made tonight were actually authorized with the checks both franked and processed as authorizations, clearly showing an authorization frank on the signature line on the back of both checks and no mark or indication on the back of the check showing denial of payment. The register for both transactions at XXXX  still came up as denial of payment by telecheck which was completely contradictory to what the check itself reflected. I then call the authorization phone line and am told that they were going to decide how much I am allowed to spend out of my own accounts with my own checks, which was a slap in the face at the very least and that I would have to calll the department that handles those issues in the morning tomorrow. All of this during my endless work in repairing my credit and taking my own business to the next level, most of which starts with making these much needed purchases mostly equipment in order to effectively sky rocket my corporation in its infancy. It seems as though telecheck and many other financial institutions/ merchants are purposely attempting to pull the rug out from under me at the most critical portion of my entrepreneurialship at 2 years and 3 months in business. I feel as though I am being completely discriminated against on the grounds of Ageism and My high level of knowledge and intelligence and it has literally put myself and the business in a crippling financial stalemate that could make or break a tremendous enterprise.
Product: Credit reporting, credit repair services, or other personal consumer reports

i want these accounts removed not mine account name : XXXX Account XXXX balance : {$560.00} i want these accounts removed not mine account name XXXX XXXXr account XXXX balance : {$900.00}
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX # XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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: Checking or savings account

As per my records, I have not yet received the remaining balance from my closed account. I kindly request your assistance in investigating and resolving this matter promptly. 

Please provide me with information on the status of the transfer or any relevant details that can help me understand the delay. I appreciate your attention to this issue and look forward to a swift resolution. 

If there are any forms or procedures I need to follow to expedite the process, kindly advise. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

Nationstar is my mortgage servicing company since home purchase XX/XX/XXXX. I escrow my taxes and insurance and have done so with no changes in HOI company or escrow status since I purchased the home XX/XX/XXXX. This year my XXXX renewal was due XXXX/XXXX/XXXX and nationstar failed to make payment on my homeowners insurance. The policy lapsed as payment was not issued until XXXX/XXXX/XXXX and not received by XXXX until XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX i recived a letter from Nationstar regarding forced placed insurance. When I called I was told my HOI had not been paid this year. I ESCROW MY HOI WITH THEM! After escalation I was told the reason it was not paid was they did n't get a renewal. They also said the only attempts they made to get the renewal were the 2 calls to my insurance agent on XX/XX/XXXX and XX/XX/XXXX. My policy lapsed on XX/XX/XXXX and they made no attempts to obtain renewal or make payment on my HOI after the 2 calls to my insurance agent on XX/XX/XXXX and XX/XX/XXXX. My HOI had not changed, same company they made payments to in prior years. They never called XXXX to get renewal and didnt notify me until the forced placed letter arrived on XX/XX/XXXX. When i called them XX/XX/XXXX they advised payment was issued XXXX/XXXX/XXXX. That was a lie! Payment went out on day of call XX/XX/XXXX ( regular mail ) and was not received by Acuity until XX/XX/XXXX. There was nearly a 1 month lapse in my HOI coverage due to Nationstar 's incompetence.
Product: Debt collection

XX/XX/2018 XXXX Spoke with XXXX XXXX @ XXXX XXXX XXXX XXXX ( XXXX ) about SETTLEMENT AGREEMENT for balance due of {$2200.00} to XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX.

Settlement agreement for the amount of {$800.00} made between XXXX XXXX XXXX on behalf of XXXX XXXX. Initial agreement was for 3 payments of {$260.00} to paid XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018.

Modification made to initial agreement made Monday, XX/XX/2018 with XXXX @ XXXX XXXX XXXX XXXX for 2 payments ; XX/XX/XXXX {$260.00} and XX/XX/XXXX {$530.00}.

Settlement was paid according to initial and modified agreement. I have attached transcript of phone recording, letter confirming settlement agreement from XXXX XXXX XXXX XXXX, and bank statements confirming payments.

My account has been reactivated on my credit report. I have been called no less than every few hours every day by XXXX XXXX in an attempt to collect the full amount of the debt that was settled XX/XX/2018.

I want removal of the account from all 3 credit bureaus. I want a letter confirming the account has been settled and paid in full from XXXX XXXX XXXX XXXX and XXXX XXXX. I want to have them apologize for harassing me every day with collection calls and if you can fine them, please do.
Product: Credit card or prepaid card

The merchant credited me through Citibank for a transaction that was not completed. The merchant provided proof of the refund and its receipt by Citibank but Citibank refuses to credit the account, stating that I must contact the merchant. See attached for greater detail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX - ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX - ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  - ACCOUNT # XXXX XXXX XXXX- ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

After providing proof to Transunion they are still choosing to report false information on my report. The accounts are XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Someone stole my card as soon as I realized I contacted Bank of America to lock my account and let them know of the unauthorized transactions so far. They are still having my account charged and taking my direct deposit checks. They will not give me any access to any money so I can atleast get groceries to feed my child. I have been on hold for 3 hours today spoken to 8 people JUST today. I have been banking with them for over 10 years and this is the first time it happened and I am completely disappointed with how theyve handled it
Product: Student loan

Requested by certified mail  XXXX  17that  I receive the original promissory notes to validate the debt, and also that communication be done in written format only. I have not received any communication back from them since. They received the certified mail  XXXX / XXXX / 17 . I received a phone call today on  XXXX / XXXX / 17  (  XXXX   XXXX   XXXX  at  XXXX  even after I requested document only communication, harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX false credit reporting. Long story short once the pandemic hit my wife hours got cut and decided to call XXXX XXXX and ask for assistants. This was around late XXXX early XXXX. We were told we should do the loan forbearance for three months. Once the three months was coming to an end we called to see about what options we had for re-payment. They said it would take 1-2 month to review and we should extend our forbearance to 6 month. So trusting XXXX XXXX we agreed. This was were it got bad! We were waiting on paperwork that we never got. Then we get a letter that XXXX XXXX sold our loan to XXXX XXXX. This was around XXXX/XXXX. We then had to go through the repayment process with midland that took another 2 months, We ended just paying everything off in one lump some to get us back to current. Our credit is reporting late payments that were not late, they reported the XXXX late payment to Experian in XXXX. How can you have a late payment that month? I was not even able to pay XXXX XXXX anymore, my payment were to go to XXXX XXXX. This has caused extreme stress in my wife and I lives and our credit is so bad now we can't do anything we want to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Equifax located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, Equifax has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Debt collection

A few weeks ago I initiated a letter to verify debt from Portfolio Recovery account number XXXX for XXXX dollars. It appears that account incurred on XX/XX/year>. My initial contact was by phone and have not been able to verify or resolve, My second attempt was letter to verify information and request written communication based on Fair Debt collection Practices Act ( FDCPA ) 1692g, and have yet to receive a response. Portfolio Recovery have left message representing as an attorney to collect a debt that yet to be verified. I'm currently seeking to have this debt removed from my credit report immediately due to no response and unverifiable debt according to Fair Debt collection Practices Act ( FDCPA ) 1692g, I thank you for your immediate attention to this matter. 

Best Regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage through XXXX and they repeatedly ran hard inquiries via Equifax Mortgage. The Hard Inquiry on XX/XX/XXXX should be the only date recorded. The dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX should all be removed from my report and my husbands. We both received alerts for the dates the Hard Inquiries were requested and we reached out to the loan officer and questioned what was going on. He stated that they were soft inquiries and would not affect our credit worthiness. We recently requested a credit increase on one our credit cards but was denied due to too many hard inquiries. The credit reports we received indicate Hard Inquiries not soft and this error or oversight has had a negative effect on our credit. We both have scores in the low XXXX and the reason for the credit increase denial on our credit card is too many Hard Inquiries.