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

I reached out to Earning app on last week because I have an advance loan with them. The day after I took out the loan I lost my job. I let them know that I needed to revoke the ACH ON MY ACCOUNT. They told me that they see where I took out the loan the day before and they would need to take that money back. They said they could only extend the payment until my next pay day. I knew that would not work for me so I went to my bank and was told that due to the amounts not always being the same they would not be able to place a stop payment. They are scheduled to take the payment on tomorrow and I reached out again asking them to revoke the ACH until I get back to working they informed me that the payment had already been sent to my bank for over {$300.00} and the money will not be on there. So they are causing me problems because I have not found another job and I will not have the money. I was told to reach out to you all for help with this matter
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding TransUnion 's failure to address my concerns about unauthorized hard inquiries on my credit report, in violation of consumer protection laws outlined in the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I contacted TransUnion to dispute several hard inquiries on my credit report that I did not authorize. Despite making multiple follow-up calls to TransUnion since that date, the inquiries remain on my report, and I have not received an adequate response or resolution to my dispute. 

The FCRA ( 15 U.S. Code 1681 ) requires credit reporting agencies to conduct a reasonable investigation of disputes and to ensure that only authorized and accurate information appears on a consumer 's credit file. As per my records, TransUnion has failed to meet this obligation. 

Here are the specific details of my dispute : Date of Dispute Initiation : XX/XX/year> Mode of Contact : Online submission and multiple follow-up phone calls Nature of the Dispute : Removal of unauthorized hard inquiries ( XXXX XXXX  XXXX XXXX ) and ( XXXX XXXX  XXXX XXXX XXXX Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

An account with XXXX was delinquent in XXXX and listed as charged off in XX/XX/XXXX. The account has remained in that status since. XXXX contacted all 3 bureaus and has the account updated to reflect closed as of XX/XX/XXXX. This action caused my credit score to drop by more than XXXXXXXX XXXX I have successfully disputed this with XXXX but Experian and XXXX will not correct the error. 

I am not disputing the debt but the information about when the account was charged off is incorrect and multiple credit reports generated prior to XX/XX/XXXX will show the first delinquency and the original charge off date.
Product: Debt collection

I received a letter today from ARA INC attempting to collect a debt on an old XXXX credit card that has been paid in full with another company. I do not owe this debt. I have been contacted by phone regarding this account before threatening to serve me with a complaint, and have explained that I have paid the debt in full and will file a complaint with consumer protection if they contact me again. Inevitably, I am contacted a few months later by a different company claiming I owe the same debt I have paid.
Product: Credit reporting

I Received the following MOST FRUSTRATING! error message : '' Unable to Complete Request We are unable to complete your request. 
" What happened : You have already received your free Personal Credit Report from TransUnion ; therefore, you are not eligible to receive an additional TransUnion report at this time. " What to do : Return to annualcreditreport.com and visit the Frequently Asked Questions section for moreinformation Purchase a Personal Credit Report.
Product: Mortgage

XXXX XXXX XXXX  gave me a term sheet on XX/XX/21. My loan broker, XXXX XXXX, dealt with the bank 's VP, XXXX XXXX. There is written communication between them clearly showing the bank 's rep made a mistake which triggered a higher rate than what's on the signed Term Sheet. In spite of assurances to take care of the excess charges & incorrect fees, the bank is refusing to honor their rates & fees per the term sheet. 

Based on the bank 's mistakes in changing the locked interest rate to a higher rate, XXXX XXXX gave written assurances to credit the {$4800.00} loan fees. In addition to this, the bank has made several written promises to send the {$250.00} excess charged incorrectly by them for an inside appraisal fee. They also owe the difference of excess title fee charge of {$420.00} ( charged {$1700.00} as opposed to {$1300.00} ). 

Loan closed on XX/XX/21. I have made numerous attempts to resolve the matter with various senior representatives of the bank. They are not honoring the commitment made verbally and in writing by a vice president and relationship manager of the bank to the borrower. The Senior VP & Regional Manager, XXXX XXXX, has been using a delaying tactic to defraud the borrower. She has even refused to let the borrower know who her superior is.
Product: Debt collection

On the date of XX/XX/XXXX an account was opened in my name for a Speedy Cash account in the amount of {$900.00}. I joined the XXXX and left for XXXX XXXX XX/XX/XXXX. When checking my free annual credit report around XX/XX/XXXX, I noticed a collection from XXXX XXXX XXXX XXXX with SPEEDYCASH as the original creditor. After calling Speedy Cash about this matter, they told me that this account was in collections with a third party collection agency and that I needed to contact them for payment details. I kindly explained to Speedy Cash that this account was not opened by me, but they kept pushing the fact to call the collection agency and was done talking with me. XXXX XXXX XXXX XXXX did not help either, all they kept pushing was that I owed {$900.00} and how would I like to pay it. I explained to XXXX XXXX XXXX the same thing that I explained to Speedy Cash, I joined the XXXX and left for XXXX XXXX XX/XX/XXXX to XXXX XXXX, GA. where I remained for 2 months and 1 week. XXXX XXXX really blew that off and was still asking for payment. I have been disputing this collection for over 4 years now and I keep getting the same results which reads " Account information disputed by consumer, meets FCRA requirements ''. The last update was XX/XX/XXXX and this account is still open and hindering me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Credit card or prepaid card

So I have a problem trying to get my all access account. But I never received my all access card, so I can't add it to my account. Then it says I have a secondary cardholder. Which is definitely wrong. There should only be 1 cardholder and it's me. 
I would be great to hear back from someone with helpful answers. Thank you
Product: Payday loan, title loan, or personal loan

I had a line of credit with Advance Financial but during the loan I got laid off. I was paying a monthly minimum to keep the loan from defaulting. I was offered a settlement of {$500.00} to settle the loan ( they recorded this offer ). When I called back to pay the loan off, the offer had changed dramatically to nearly {$3000.00} which I can not pay. The ridiculous interest is so high ill never be able to pay this off. I want the originally offer of {$500.00} enforced so i can end this mess.
Product: Checking or savings account

Wells Fargo closed my account without any notice and obvious billing error. Banks are borrowers XXXX XXXX XXXX therefore with my signature my account became an insured, asset to Wells Fargos ledger. I am a consumer also natural person and federal law protects me from the deceptive practices and XXXX blatant billing errors that have occurred with my open ended, federal reserve funded and insured account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During the pandemic, in XXXX, I was in need of deferment. I had held my mortgage with XXXX XXXX XXXX since XXXX and had never had any missed or late payments. Upon request, they did offer deferment on my mortgage for six months. In XXXX, XXXX, I attempted to pay the deferred amount and brought my mortgage current with a payment of more than nine thousand dollars. 

At this time, since I made the payment, I believed the deferment was paid in full. Recently, I noticed an amount of XXXX on my statement noted as a " deferred '' balance. Several weeks ago, I contacted XXXX XXXX XXXXXXXX XXXX  XXXX, explained my concerns. I was told the deferred amount was not paid in full as they applied the payment to principle, deferments can't be paid until the loan is paid in full, it's placed on the back end, not earning interest and not including in my balance. 

I also inquired as to why they are reporting XXXX as included in balance to the credit bureau as my balance is XXXX per XXXX XXXX XXXXXXXX, but they are reporting a balance of XXXX to the credit bureau 's. XXXX XXXX XXXX game me a case number # XXXX and stated the issue will be corrected within ten days, but it has not been corrected. 

I have filed disputes with both Trans Union and XXXX regarding my balance. They both conducted investigations. The results are per XXXX XXXX XXXX the balance is reported accurately. 

XXXX XXXX XXXXXXXX is in violation of the Fair Credit Reporting Act. This issue is reducing my credit score and needs to be corrected.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain items contained in my credit report maintained by your bureau. This letter serves as a follow-up to my initial complaint filed with the Consumer Financial Protection Bureau XXXX CFPB ), wherein the items in question were deemed accurate by your agency. Under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( 15 U.S.C. 1681i ), I am entitled to request and receive a detailed reinvestigation of the disputed items. I hereby request that you reinvestigate the following item from my initial CFPB complaint and provide a detailed explanation of the source of information you used to return a verified response : XXXX XXXX Account Balance : {$2400.00} Date Opened : XX/XX/XXXX Please be aware that under FCRA 611, you are required to conduct a thorough reinvestigation of my dispute. If, upon reinvestigation, you can not verify the source of the information used to substantiate the accurate status of the contested item, you are obligated to delete this item from my credit report. Additionally, be advised that willful noncompliance or negligent noncompliance with the FCRA may result in litigation for any credit denials or damages that arise from the continued presence of inaccurate information on my credit report. Should this matter not be resolved to my satisfaction, I am prepared to take further action to protect my rights, which may include initiating litigation. To assist you in your reinvestigation, I am including copies of relevant documents that support my claim. These documents include : CFPB Complaint XXXX XXXXXXXX XXXX Identity Theft Affidavit I expect a response from your office within the 30-day period mandated by the FCRA. If you are unable to verify the accuracy of the disputed item, please delete it from my credit report and provide me with an updated copy of my credit report. Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Debt collection

This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of * credit reports. 

Failure to respond within 30 days of receipt of this certified letter will res small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : in XXXX ) Defamation XXXX XXXX ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you ar clearly doing business in my area. 
XXXX For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity Of
Product: Credit reporting, credit repair services, or other personal consumer reports

i didnt give them company written or verbal communication to add a collection on my credit report... they are violating myself an the law.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute several unauthorized hard inquiries on my credit report with Equifax. This dispute is filed under the Fair Credit Reporting Act ( FCRA ) Sections 611, 609, and 603. I have reviewed my credit report and found numerous hard inquiries that I did not authorize and have no knowledge of. 

Details of Unauthorized Hard Inquiries : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Relevant Information : FTC Report Number : XXXX Identity Theft Report : Attached I am a victim of identity theft, as indicated in the attached Identity Theft Report filed with the Federal Trade Commission ( FTC ). According to FCRA Section 611, I have the right to dispute information in my credit report that I believe is inaccurate or incomplete. Section 609 grants me the right to request all information in my file, including the sources of the information. Section 603 defines the permissible purposes for which a consumer reporting agency may furnish a consumer report. 

These inquiries have had a significant negative impact on my credit score and overall financial health. As a result, I demand that Equifax immediately remove these unauthorized hard inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an auto loan on my credit reports with inaccurate late payments. I have contacted both XXXX XXXX and each credit bureau regarding these late payments and they refuse to update the errors on my reports to on time payments. Each bureau is reporting the late payments inconsistently and if they are all getting their information from the same place this should not be happening. I am demanding that all late payments be corrected and report 100 % on time as they should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been Unable to file a dispute online with Transunion for a couple of weeks. I have tried with XXXX and often get an error message. When I am directed to Transunion site, I am unable to click the category which prevents me from submitting a online dispute directly on their site. I am often prompted to call or mail. My immediate concern is if I dispute with another credit agency on-line such as XXXX  and/or XXXX, it gives the Creditor with whom I have previously disputed online time to eradicate the information within my credit profile. In addition, since we have been in the pandemic, it takes mail takes longer to receive. Having said that, my credit has and will tank for weeks if not months waiting for a response from Transunion. Consumers should have immediate access to file online disputes with Transunion. This is causing severe hardship for me when seeking employment. Consumers can't afford the luxury of waiting when the Major bureaus get to our disputes and respond. Telephone disputes does not work towards the consumers advantage because I have no record of what was said and can not supply appropriate evidence which puts me in a further disadvantage.
Product: Money transfer, virtual currency, or money service

I had a balance of {$97.00} in my venmo account. They offered the option to transfer it to my bank account via my debit card #. I selected this option and initiated the transfer on XX/XX/XXXX. Today, XX/XX/XXXX, the funds are still not in my bank account and venmo is stating that it shows the deposit cleared on their end but is refusing to provide any documentation to prove this transfer occurred and was accepted.
Product: Mortgage

My Mortgage Servicer Flagstar Bank gave me a Forebearance plan during XXXX and when I called to resume my payments they said I had to do a Loss Mitigation application I did. In XXXX my first trial plan of {$1500.00} up until XXXX but when I went to make the payment it was closed so I didnt make it until the XXXX because the XXXX  got in the way. I asked the Loss Mitigation Rep if it was going to affect me she said no. Then I made XXXX and XXXX payment in XXXX they sent the payments back and that I was in active Foreclosure I did another Application and I was denied they said I didnt qualify for help. I feel discriminated for my race and because I am a women.The State of New Mexico qualify me for {$30000.00} but they want {$47000.00} they want me to pay it but if I had the money I wouldnt be asking for help. Now they have their lawyers wanting me to file papers and they denied the state to pay the {$30000.00}. I am frustrated and confused and scared. I dont want to lose my home.I just need them to work with me.
Product: Debt collection

My ex husband and I owned a house in XXXX, NY. As a result of our divorce, we had sold this house as a SHORT SALE XXXX 2013. Our mortgage company XXXX XXXX used XXXX insurance company for the PMI insurance. After closing of this home, XXXX sold the loan to DYCK O'NEAL collection agency. DYCK O'NEAL then came after my ex husband and I for {$50000.00}. Because of this, my ex husband filed bankruptcy and included this {$50000.00} in the bankruptcy process. Since he was no longer responsible for this, DYCK O'NEAL has now been after me for the FULL amount of {$50000.00}. It shows up on my credit report and is a red flag which is not fair since it was a joint account. My question is why is this {$50000.00} if this was part of my mortgage payment that I paid for four years prior to the short sale. Also, if it was included in the bankruptcy files, why is this still a problem? DYCK O'NEAL has not wanted to work out a deal with me or help me with REASONABLE payments. Now, after speaking with many different mortgage companies and banks, I 'm realizing that this may all be in error or I have been a victim of a scam. The bank representatives told me that they have never heard of the PMI collection agencies requesting this large amount before. I just want to make sure that this is legal and would appreciate information on how to proceed. If proof of my ex husband 's bankruptcy is needed, I can obtain those records. I am attaching the closing documents from my short sale to prove that I no longer have this property and that all paperwork was indeed complete. Thank you for your help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX 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 ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX XXXX XXXX Personal Information for Experian NAME : XXXX XXXX XXXX - It is imperative that you remove any name in your system which does not match the first and last names listed on this letter . My only name is XXXX XXXX CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2023 XXXX I need you to delete any address in your system that varies from XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX It will ensure the database has accurate information about me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Validate Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

Both my navy federal personal checking and business accounts were charged fraudulent overdraft fees. Due to the consumer finance fine and awareness email I am contacting navy federal to have both the fines reversed and the accounts to be labeled in good standing and or compensated for the the activity.