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

For XXXX I foolishly took out a loan through web loan not knowing it was 328 % interest. Online you can apply and a third party shoes who would lend you . I wanted to find a lower interest rate. I realized non of these loans are low interest and was unpleased and stopped the process. I made arrangements to pay the loan with my tax return. In XXXX I also made arrangements to aggressively pay off a bill I was very late on. I made arrangements for a monthly withdrawal. I called this company to see if I was officially paid off. As I had 5 payments of XXXX taking out of my account resulting in the payoff balance. They said I had not paid because the money was not available and they stopped auto withdrawals. I immediately panicked and grabbed all of my statements. XXXX  ( I thought the loan creditor ) turned out to be a payday loan. I never even heard of the company and did not accept or authorize any loan. I went through my back statements and saw in XX/XX/800 $ was deposited to my account. I had not noticed as my union was making retro payments for our new contract in about the same amount. I called the company and asked how they had access to my account? I didnt authorize, ask for etc. they said someone left a message saying congrats you got the loan ( my info must have been from seeking lower interest rate and not going with another such loan after researching them ). They said I also got an email which I found in spam. They said they had the right to sign my name even though I had no contact with this lender. I was extremely upset and told them to end the loan close it and put it in writing. They said I would need to file police reports on anyone who had access to my account. Which would be them. So here I am the loan I thought I was paying off didnt get paid, this company I have never heard of received XXXX $ of my money claim I owe XXXX $ more on this XXXX $ I never authorized. Is this legal. Im horrified, I feel stupid and my family is going to suffer for all of this lost money? Any help or advice would be appreciated I just can not believe it is legal without an approval?
Product: Mortgage

Having trouble making payments on home. We have Home is under contract and kindly asked mortgage company to postpone the sale date. Loss of employment and covid have contributed to trouble making payments. We are selling the home and asking mortgage company to put sale on hold. We never received any 30 day notice of foreclosure sale from Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 {$1800.00} the company is claiming i owe a hospital bill and i do not i told them i had a settlement with the attorney and they paid all the bill during a the insurance settlement so mits fraud and i told them to call the attorney office
Product: Checking or savings account

I received a Notice of Insufficient funds. The statement has a right address of mine but the account information belongs to another customer " XXXX XXXX ''. I called the US bank to fix the issue but they simply asked to returned the statement. They were in no mood to investigate further if this is a systemic issue and more prevalent. 

I am worried my transaction information is accidentally being sent to other customer, just like i received the information of XXXX XXXX. 

I want Bank to make an investigation into the matter and inform me of the outcome.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX
Product: Checking or savings account

Subject : Unauthorized XXXX Transactions and Suspected Identity Theft Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Wells Fargo Bank due to unauthorized transactions made via XXXX from my account, which I suspect to be a result of identity theft. 

Upon noticing these unauthorized transactions, I reported the issue to Wells Fargo immediately. Despite my prompt action, Wells Fargo denied my claim. I believe that I have been a victim of fraud and identity theft, and that the bank has not provided adequate assistance in resolving this issue. 

I request the CFPB 's help in investigating this matter and ensuring that Wells Fargo takes appropriate action. I also request assistance in taking necessary steps to protect my identity and prevent further fraudulent activity. 

Account Holder : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Date of Unauthorized Transaction : [ XX/XX/year> ] Transaction Amount : [ {$400.00} ] Transaction Comfirmation No : [ XXXX ] Date of Unauthorized Transaction : [ XX/XX/year> ] Transaction Amount : [ {$120.00} ] Transaction Comfirmation No : [ XXXX ] Date of Unauthorized Transaction : [ XX/XX/year> ] Transaction Amount : [ {$1000.00} ] Transaction Comfirmation No : [ XXXX ] Date of Unauthorized Transaction : [ XX/XX/year> ] Transaction Amount : [ {$250.00} ] Transaction Comfirmation No : [ XXXX ] Date of Unauthorized Transaction : [ XX/XX/year> ] Transaction Amount : [ {$250.00} ] Transaction Comfirmation No : [ XXXX ] Date of Unauthorized Transaction : [ XX/XX/year> ] Transaction Amount : [ {$250.00} ] Transaction Comfirmation No : [ XXXX ] I look forward to your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] [ Email : XXXX Phone : XXXX ]
Product: Mortgage

4 days prior to closing. I was notified verbally that my financing is being denied because of the XXXX XXXX XXXX for the building management company deductible per unit exceeds the max allowed per guidelines.

I then asked for a detailed letter of explanation to give to the seller to notify of this discrepancy and need to file for a extension on closing. I was told they didn't do that, only that they will send a letter of financing is denied. I then asked for my good faith deposit back and was told that since they occurred costs ie : appraisal, credit reports, that I won't receive it back. Even though everything on my end for financing was done and accepted. Financial approval with underwriting. I called back the next day ( 3 days to close ) to see if I could add to my insurance a loss assessment value greater than the Master policy deficiencies. Or if anything else that could be done and was told flat out the " there team had discussed this matter and it's a final decision " no if 's and or XXXX. Again asked about refund and was denied.

Next day ( 2 days to close ) I received a email to log on to portal for a document to review. I login to see a closing disclosure statement for final numbers of costs to close that was generated that day. 2 day after verbal notification of denial. Now I don't know what to think. Maybe management company adjusted the policy? Couldn't contact anyone because office had since closed. 
Closing day. Tried and contact advisors and supervisor to figure out closing or not and what's going on considering I still haven't received any written notification of denial. Left multiple voice mail and still no feedback. ( On closing day )
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX Whos the original creditor? Im not familiar with this account, and I dont agree with it. Would you agree? Just putting it out there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Equifax several times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to advise them of the inquires on my report from XXXX XXXX, XXXX XXXX XXXX. The Bureaus in collections for the amount of {$460.00} Not only have I spoke with rude associates but have been told that there is nothing they are able to do about the unauthorized inquires and I have to call the company. I called XXXX XXXX XXXX XXXX  XXXX they have no information in regards to these inquires and was referred back to the credit reporting agency. I have disputed the collections with The Bureaus to validate my debit with my permission to place this alleged " debt ' on my credit file and Equifax continues to tell me that my debt is validated and will not advise me of how. I am a victim of their recent and previous security breach and they will not assist me. I have contacted the collection agency on XX/XX/XXXX and they will not provide proof that I gave them permission, instead they keep telling me that I have to pay them in order to get any information.
Product: Mortgage

Please accept this narrow and specific Qualified Written Request under 12 CFR 1024.36 for a copy of the life of the loan accounting and life of the loan escrow accounting for Trade Line XXXX, Chase Mtg, {$74000.00}. Thank you, XXXX XXXX XXXX
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. there are items in my file that are erroneous and needed investigation Here is the list of items that do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Amount XXXX From National Credit Systems account number XXXX, collection representative is XXXX XXXX, office located in XXXX, XXXX My husband and I lived at XXXX XXXX XXXX XXXX XXXX XXXX , because of many people experiencing issues and added on expenses from rental properties, we decided to take many pictures and videos of the apartment when moving out. This apartment was spotless, the collection agency and Mr XXXX will not allow me to send the pictures of the apartment, nor will he call me back. he will not supply email information. I left messages on his voicemail and I am quite sure they will use the Coronavirus as an excuse but I tried previously and again, nothing. I want this amount removed and this also removed from my credit report. I need the last payment that I made and will attempt to get that from my bank, the property stated we only paid until XX/XX/XXXX but when we moved from XXXX back to XXXX we changed our banking information. So if we owe anything, it's XXXX or so. There is no doubt from my videos this is the apartment we lived in because I also took videos from different angles and from the window
Product: Debt collection

I have constantly received phone calls from this organization with different phone numbers. I received a phone call on Sunday at XXXX XXXX   local time. I confronted them how I believed this to be illegal. They hung up on me. They attempted to reach me today and would not verify who they were until they tried gathering information from me. When I would not verify any personal information because I did not know who they were, the woman began to get argumentative and rude to me. She finally stated she was calling from Portfolio Recovery. I responded back saying that it was illegal not to identify that it was an attempt to collect a debt from the very beginning in the conversation. She kept arguing with me and stating that I was wrong. I am tired of them calling from different numbers on a daily basis. I tried resolving this a year ago, and they would not work with me.
Product: Credit reporting or other personal consumer reports

For three years Experian Credit Bureau has violated my rights with regard to three accounts they have continued to verify without proper investigation. The accounts in question are as follows : XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX sure XXXX XXXX XXXX XXXX  acct # XXXX I allege that Experian has violated my rights by fraudulently claiming verification of these accounts despite them being inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1666b A creditor may not treat a payment on a 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. In accordance with the Fair Credit Reporting act 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 a account without my written consent. Equifax Information Services LLC was not given any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. XXXX is reporting unauthorized inquiries on my CONSUMER REPORT. Equifax Information Services LLC is in DIRECT violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. There are several errors now listed on a updated credit report as of XX/XX/2022. ENCLOSED IN THE LEGAL DOCUMENT SENT TO Equifax Information Services LLC WERE SENT A COPY OF MY ID ( DRIVERS LICENSE ), AND A UTILITY/CABLE BILL STATEMENT FOR PROOF OF ADDRESS. Pursuant to 15 USC 1666b A creditor may not treat a payment on a 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. These concerns were disputed on XX/XX/2022 and have not been removed. The dispute was sent certified mail with return to sender. There are several errors now listed on a updated credit report as of XX/XX/2022. Equifax Information Services LLC has caused severe stress and XXXX  due to the abusive and unfair practices.
Product: Debt collection

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, BBB, Attorney General and FTC
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Made a payment of {$60.00} on XX/XX/XXXX through the mobile app, and made two other payments of {$20.00} and {$25.00} on XX/XX/XXXX, all from the same bank account. I noticed that my current balance was updated, but it showed that my available credit was still {$0.00}. I called in on XX/XX/XXXX around XXXX XXXX to ask about my account and the representative told me that we need to do some verification and we did, but the last two payments werent posted yet so I decided to call them again after XXXX XXXX. Since the customer service department for my bank account didnt open til XXXX XXXX, the representative asked me to call in the morning to do the verification process. OnXX/XX/XXXX I called my credit card company to get those funds released and so we had to do the verification process again. All payments were confirmed by the bank and the service rep said that I will be seeing my available credit after three minutes. After 30 minutes, I checked it and it wasnt updated at all. Took me at least 3 service reps to get the funds finally released. When I tried to use it at a store later that day, my card got declined due to suspected fraud which was odd because an hour ago before my purchase at a store, I was able to make a transaction online. On XX/XX/XXXX, in the evening, I checked my balance and the available credit was {$0.00} despite not maxing out my credit card. I called on XX/XX/XXXX to ask if there was something wrong with my account. The first service rep told me that my account was restricted and so he released the restriction but I had to call again so someone can help me with the available credit issue. One of them told me that one of the payments ( {$20.00} ) I made was put on hold ( despite being released on XX/XX/XXXX ) and I had to do the verification process again. I asked them to check the history of the calls or notes and they said there was none despite talking to two different people on XX/XX/XXXX in the morning to help me release the funds immediately. I currently can not use my credit card for any purchase because they will not release the funds so I would have to wait for 5 business days again. I will pay my card full and will cancel with this company.
Product: Credit reporting or other personal consumer reports

**Subject : Complaint Against Experian for Violations of FCRA and Privacy Act of 1974** Dear CFPB, I am writing to formally file a pre-arbitration complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( ii ), and the Privacy Act of 1974. Experian has improperly included transaction histories, late payments, and credit utilization data in my credit report, which should be excluded under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( ii ). This section, as outlined in 12 CFR 1022.3 ( c ), excludes transaction or experience information between the consumer and the reporting party from being included in a consumer report. 

Moreover, Experian has shared my transaction history with affiliated companies, including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account in violation of both the FCRA and the Privacy Act of 1974. 

I request that Experian update my credit report to reflect all transaction histories as zero and ensure that all accounts are reported as current. Experian has 30 days from the date of this letter to make these corrections. If these updates are not made within this timeframe, I will have no choice but to initiate electronic arbitration proceedings. 

These actions by Experian represent a clear violation of the FCRA and the Privacy Act of 1974, negatively impacting my creditworthiness. I urge the CFPB to take immediate action to investigate these violations and ensure compliance with the legal standards set forth in these regulations. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX violated Section e ( 10 ) of the federal Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 10 ), which prohibits the " use of any false representation or deceptive means to collect or attempt to collect any debt. '' attempting to collect a debt falsely represented that XXXX XXXX XXXX had a legal right to collect the debt XXXX XXXX XXXX is required to have a license under the New Jersey Consumer Finance Licensing Act, XXXX. XXXX et seq. ( XXXX ) to pursue collection, XXXX XXXX XXXX is a unregistered in the state of New Jersey and unbonded in the state of New Jersey.And is registered under XXXX ID : XXXX in the state and city of XXXX VIRGINIA XXXX Branches : CA, XXXX, KS, NC, XXXX, TN, TX, VA
Product: Debt collection

COLLECTION acct # XXXX removed on XX/XX/2024 report # XXXX they XXXX XXXX XXXX are defrauding and interfering with HUD investigation on retaliation by removing collections during investigation then adding back on. 
Added on XX/XX/2024 repo # XXXX