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

I applied for a loan in XX/XX/XXXX. I didn't get the loan until XX/XX/XXXX because the underwriter was giving the loan officer the blues. He told her that was the best we could do for the interest rate and years. I thought this was unfair. The lowest interest rate they gave me was 6,7 % fixed 15 years for {$50000.00} which I thought was too high plus it was a home equity loan with the house for collateral. I made my first payment and found out I have a daily interest rate loan ( per Diem ), not a fixed rate. So within 6 months have have paid back over {$1000.00} in interest which is ridiculous. My credit is good and I am trying to get a better type loan and interest rate. 
Example payment in XXXX Interest {$210.00} and Prin {$220.00}. XXXX Interest {$340.00} and Prin {$95.00} went toward principle.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my 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
Product: Debt collection

They said I owe {$2500.00} from a form apartment. I contacted the apartment, they said i owed yet they never sent a mail to say i was owing. I stopped arguing but then when i asked if I did, how do I pay, they went silent. Then i called the company many times but no respond. So even if I owed money, i have no way of paying to get it off my report. I just when it off the report, I don't care if i was owing, i know I don't, but I'm tired of arguing. Please help to take it off my report. Thank you.
Product: Payday loan, title loan, or personal loan

It was in XX/XX/XXXX I took a personal loan with the following XXXX XXXX XXXX XXXX XXXX Plan Loan & Saving = {$4000.00} Amount granted to my account = {$1500.00} Total Payments I made = {$2200.00} [ Earlier than expected - in 10 months I paid this amount ] Then They sent me a statement applying the total payment as follows : 1 - Loan of {$1500.00} settled with interest, which means total payments applied {$1900.00} fully covered the loan amount they credited to my account [ {$1500.00} ] and interest [ {$450.00} ] 2 - Amount Applied to Savings [ {$2300.00} out of {$2500.00} ] Then At the beginning of XX/XX/XXXX, an unknown company [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent me an email for which my Seedfi account had been transferred to them with out my prior knowledge. Something Phishing! started over. 
Then I tried to check my account and statement at Seedfi account login - their system shown no Seedfi info available. They deleted the whole information and vanished. 
Then I responded to the emails of XXXX  and expressed my disappointment and the balance they requested me. They said still I owe them the above savings grow plan. I informed them clearly with all my payments and the initial amount of loan credited to me as follows : Finally, I requested cancellation of my savings plan and refund of my hard earned savings balance i.e. {$280.00}. 

NO RESPONSE REACHED ME TO THIS DATE. 
Then An email from SeedFi resurfaced and requested further payment {$200.00}. For what???? 
Then SeedFi grabbed all my savings {$280.00} and asked me further charges of {$37.00} in effect they took {$320.00}. 
Now I suspected totally a phishing and scam activity committed by these companies : - SeedFi 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

I've paid all accounts in full and its listed on report as closed also my credit score has not changed in 3 months or more I contacted them several times but it still doesn't change credit karma is not reporting correctly
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to INNOVIS. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has continuously violated my federally protected consumer rights. Your company is violating me as the consumer by furnishing inaccurate, unfairness, and privacy information on my consumer report without my written permissible purpose pursuant to 15 USC 1681b ( a ) ( 2 ). I am a victim of identity theft from the XXXX data breach, your company is furnishing and reporting a FRAUDULENT account on my consumer reports. Do NOT " reinvestigate '' these accounts with eOSCAR, as you've failed to do so properly the past several months. I'm demanding you to block the information reporting no later than 4 business days pursuant to 15 USC 1681c-2 ( a ). Remove and block the XXXX XXXX XXXX account from my credit report immediately. I have provided all required documents such as proof of identity of consumer, a report, ID, and a statement. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. '' 15 USC 1681c-2 ( a )
Product: Prepaid card

I have 2 prepaid Vanilla Gift Cards in the amount of {$20.00} each. 
These were originally {$100.00} each. {$80.00} per card was used at XXXX XXXX XXXX XXXX XXXX 
There is a {$20.00} balance left on each card. 
I checked the balances at vanillagift.com and they both show remaining balances of {$20.00}. 
I have screenshots. See attached. 
I have tried to use these cards online at XXXXXXXX XXXX  and XXXX. I am sure I tried them elsewhere, but those are the three that I recall. Local business will not even run them because they are " troublesome ''. I also tried to add them to my XXXX XXXX but they were declined. Most commonly the error I get is that there is an issue with the security code. 
I have spent hours and hours trying to get these to work but have had no success at all. 
" Customer service '' is useless. 
This complaint is for card XXXX
Product: Debt collection

XXXX XXXX calls my workplace 6-7 times a day, in addition to my job they have contacted my ex-husband telling him of a debt that has absolutely nothing to do with him. Also, they have threatened my mother, spoke aggressively with her and threaten to have me arrested. My ex-husband should have NEVER been contacted.
Product: Checking or savings account

On several different Occasions between XXXX my account was frozen and several payments did not go thru because of this, Meaning my bills became late even when funds were available. The amounts range from XXXX
Product: Student loan

My servicer is ED Financial. 
I have included a screenshot of all payments and reversals made in the last 2 months. 
I should not be past due. 
They won't take my money. I don't know what to do.
Product: Mortgage

Wells Fargo foreclosed on me after approving and accepting loan modification payments.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

To Whom It May Concern : I began the process of a short sale with Bank of America on XX/XX/XXXX, over 1 year ago. After 9 months of XXXX valuations, uploading and re-uploading docs already sent, numerous escalations and a complaint with the CFPB, BOA finally approved the short sale and sent closing docs to title in XX/XX/XXXX. Close of escrow per BOX needed to happen no later than XX/XX/XXXX. Unfortunately, because BOA and its 3rd party negotiator did not process my request for SS in a timely manner, the buyer of XXXX XXXX XXXX XXXX # XXXX, XXXX, Az, walked away from the contract ( XX/XX/XXXX ). My realtor quickly put the property back on the market, received a new contract ( {$2000.00} less than prior contract ), and I once again completed the required hardship forms, authorizations, etc, which were uploaded back in the XXXX system. In my hardship letter, I specifically asked that all documents go to the prior Office of the President Negotiator, XXXX XXXX, so that the process could keep moving forward. Once again, this did not happen, an entirely new Short Sale request was opened, and we started from square one with a new 3rd party negotiator. The same series of events are happening, requests for docs already signed, then someone does n't like a date, or they say realtor needs to resign forms, and now, oh we need yet another valuation. We knew that the last valuation was done in XX/XX/XXXX, and yet now in XX/XX/XXXX the negotiator has realized that valuation has expired. XXXX XXXX, negotiator has communicated with me better than anyone over the last year, however, we need BOA, Investor and MI approval QUICKLY, due to a foreclosure date of XX/XX/XXXX being set. At the time I began the SS over a year ago, I had a job and tried to manage my payments. However since that time, I have lost that job, now am on unemployment, and am simply running out of time to get this done prior to a foreclosure date. MY REALTOR DID SECURE A RENTER FOR THE PROPERTY, SO IT IS TENANT OCCUPIED AT THIS TIME BY A XXXX VETERAN. Please note that this Veterans Rent is paid by XXXX, City of XXXX, and should this foreclosure happen ... ..Bank of America will be putting a Veteran back out on the street. We would not be at this juncture, had someone processed all XXXX attempts at this SS in a timely manner. I am asking once again that XXXX XXXX, negotiator with BOA Office of the President, step in and get this SS to all appropriate parties for approval. There was an issue with Mortgage Insurance approval ( placed on the XXXX loan without my knowledge after origination ), which will need to be addressed again. One would think it would be more financially advantageous for Bank of America to accept and approve a Short Sale rather than have the cost of the property moving through foreclosure.
Product: Checking or savings account

I filed a dispute with Ally Bank regarding transactions on my account which I did not authorize. The transactions were debited by XXXX companies, XXXX and XXXX and totaled {$41000.00}. I filed a police report with the XXXX XXXX XXXX XXXX Department and an Identity Theft Affidavit. I submitted both documents to Ally Bank. The dispute was denied and I contacted the bank regarding the denial. I asked why my the transactions were continuously allowed and I was told that XXXX text was sent to my cellular device regarding a transaction. The representative stated that this is why the charges were allowed. I informed the bank that I never responded to a text regarding these transactions. I also filed an appeal and it was suggested that I submit a Letter of Intent, which I did and there was no response. I have not received a written response from the bank, only a notice in my account denying the initial dispute. My account is now closed and the notice is no longer there.
Product: Money transfer, virtual currency, or money service

I submitted a money transfer request with Western Union on XX/XX/2023 XXXX XXXX The request was to transfer {$5000.00XXXX XXXX from my XXXX XXXX XXXX XXXX checking account, into XXXX XXXX XXXX to be delivered to my fathers bank account in XXXX ( XXXXXXXX XXXX XXXX XXXX ). 

Western Union promised to deliver the money to the receivers bank account by XX/XX/2023. Today is XX/XX/2023 and the money hasnt been delivered yet. 

I contacted Western Union and they acknowledged the the money hasnt been transferred yet. When I asked for a reason for the delay, they refused to give me one. When I asked for an estimate of when the money will be delivered, they refused to give me one. They started a review case for me and told me the review process could take up to 20 days to complete. 

I chose Western Union to deliver my money because of their promise to deliver it within their declared date range. They did not honor this promise. The recipient is waiting to use the money for an urgent XXXX XXXX thats currently on hold due to lack of funds. 

Transaction tracking number ( XXXX  ) XXXX
Product: Debt collection

I received a copy of my credit report to find a collection from Southwest Credit in the amount of {$450.00} on my credit report inXX/XX/XXXX. I immediately disputed it with the three credit bureaus. The debt came back verified. I then requested verification of the debt from Southwest Credit. They sent me a copy of an contract with my name and no signature from me. The contract shows effective date XX/XX/XXXX. Once again there is no signature from me but there 's a signature dated XX/XX/XXXX by the company for a contract dated XX/XX/XXXX. The contract states it is a new owner take over for a contract dated XX/XX/XXXX which was 36 months for the previous owner. I have not signed a contract for XXXX. I did not agree to a 36 month contract. They are illegally committing me to a contract and I know this is against the law when I have not agreed to a contract for some old equipment that did n't work when it stormed.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a concerning discrepancy in my credit report regarding late payments on my accounts. Upon reviewing my report, I noticed that late payments were inaccurately listed, which has had a negative impact on my credit score. I contacted the companies associated with these accounts, and they acknowledged that there was an error on their end. They assured me that they would update and correct my accounts to reflect the accurate payment history. They explained that there was a system glitch that caused the late payments to be incorrectly reported. 
I find it perplexing that your bureau continues to report these late payments when other credit bureaus have already corrected the status of the accounts. This raises questions about the verification process used by your bureau to ensure the accuracy of the information reported. Please update and correct the accounts below : XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX
Product: Student loan

I have been attempting to pay back my student loans to sallie mae and XXXX and they sent my account to a collection agency, now my credit is destroyed. They never gave me the income based option and processed my payments incorrectly.
Product: Prepaid card

After a terrible experiencing using the American Express ( AMEX ) Serve Card my account is closed. On XXXX/XXXX/XXXX AMEX sent me a letter [ CFPB ref No : XXXX Ref : XXXX ] stating for me to once again call their Customer Service Account Protection Services @ ( XXXX ) XXXX to obtain my account refund of {$450.00}. ( image attached ). 

I have contacted them over 5 times ( usual delays, and communication with their operations are horrible ), the most recent was on XXXX/XXXX/XXXX and I was told very clearly that in 48-hours my refund will be mailed to my confirmed address registered with AMEX. 

It is now XXXX/XXXX/XXXX and I have NOT received my account balance which AMEX owes me. 

I intend to pursue the collection of the money that AMEX owes me to the full extent of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I chooseto opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished XXXX XXXX, Sage Stream, XXXX  inquires regarding all personalinformation. This security freeze request not only restricts credit bureaus and creditors, butalso future potential employers until I lift this restriction. Under the Fair Report Act, you arerequired to comply. My name is XXXX XXXX XXXX XXXX . My current and only address is XXXX   XXXX  XXXX XXXX XXXX,Ohio XXXX. I have unknown or fraudulent addressesappearing on my credit report and I am requesting that these items be removed andupdated. Please remove any address off my report that doesn't not match the address  above. Please remove any telephone numbers that not XXXX
Product: Debt collection

This debt is not mine, furthermore I was not notified or sent a notice that this debt was going to affect my credit score. No notice of an attempt to collect a debt was sent or an option to dispute the debt was given. This debt is identity theft.
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business since this month of XXXX. My paypal account XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is representing an apartment complex I lived at. After two years they are stating I owe them $ XXXX. I have attached email between me and the apartment property management. They have now sold the file to a collection company while in dispute. Also I stated the rental box was broken into when I put in my 60 day notice. Should n't they have all this information? Should they have not done a police report? 
Property : XXXX XXXX XXXX XXXX : XXXX Account # : XXXX Current Balance {$5400.00} I have disputed this prior to being sold as not mines and I do n't owe any moneys why they have sent collection is against the law.
Product: Student loan

I called AES and was informed my private student loan is eligible for a live event forbearance but I needed to call Key Bank directly. I called Key Bank directly, and they said that is not true, there is no such thing. 
I was told the only option is a temporary suspension of payment. I ask for temporary suspension based on a medical bill and they declined and said I had no other options. They told me to get a second job. They told me I have budgeting problems. They asked me if my family could help me. They asked me how long I will have medical problems, what is it, XXXX? They told me they needed more details about my medical issues.
Product: Debt collection

I have received threading phone calls at work and home from a XXXX XXXX about a payday loan. That was paid in full from a debt collection agency. Ms. XXXX told me she worked with XXXX XXXX who was an attorney. Her number is ( XXXX ) XXXX. I forwarded the proof of the account being paid in full and she told me that it was fraudulent. I could have more than one account taken out. She went back and forth with me on email and Called me back when I refused to give her any more information. She hung up on me and when I called her back from another number she answered with a different greeting. The email is XXXX and the email came from another person named XXXX XXXX. She called my phone and hung up when I told her to proceed with serving me papers. There was no signature on her email and she wouldnt tell me that she worked for XXXX   XXXX just attorney XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit report I found hard inquiries that are fraudulent which includes XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with Capital One Quicksilver MasterCard.  Capital One change the Account number at XX/XX/2017 XXXX use to report that account every month. I dispute the account balance one time to XXXX. after that they stop report the account every month as they should. Several calls made to Capital One supervisor and several calls made to XXXX with Capital One on line ( 3 Way calls ) to insert the account. No, responses from XXXX. Capital One told me many times that they sand the farm to XXXX to insert the account an XXXX said we did not received any letter from Capital One Vis versa. that account reported before by XXXX and been reported by XXXX and XXXX.
Product: Mortgage

I lost my job, so I immediately call Pacific Union Mortgage to ask for a payment deferral. It took them a month, but granted me 3 months with a payment of {$5.00} each month. When the first money payment of {$5.00} was due, I went online as I always had and they took off my online payment option. I sent them several emails asking them to fix this problem I finally gave up and sent in a check for {$15.00} ( 3 months ). After several months now, I call to find out why my credit score went from XXXX to XXXX, they said my payment deferral agreement is now void since my {$5.00} payment was late. I had to take a job in XXXX and almost was not able to even rent a house to go back to work because of them. I had to pull money from my XXXX to pay the extra deposit the landlord wanted. I called and told the woman on the phone to get a supervisor to call me to fix this problem since a late payment of {$5.00} is completely ridiculous to void my agreement. My payments were always on time since I obtained the loan with them. They almost want to destroy my credit when I was only unemployed for 5 months. I am a XXXX XXXX and have n't made less than {$XXXX} a year salary in years.
Product: Checking or savings account

I dispute transactions on my account for the amount {$1100.00}. I was XXXX at the time so I couldn't have authorize the transaction and my funds still hasn't been returned to my account. The bank trying to tell me I authorize the transaction.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX