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

In XXXX of XXXX I began making larger payments on my account. When you make payments in the app, no receipt of the payment is generated. XX/XX/XXXX payment was {$67.00} over, XX/XX/XXXX payment was {$380.00} over, XX/XX/XXXX payment was {$410.00} over, XX/XX/XXXX payment was {$410.00} over - for a net of {$1200.00}. In XXXX I first noticed that my statement balance was not moving down as it should. I called to complain on XX/XX/XXXX, and was told that OMF would adjust the payments for me. I also asked for a receipt for payment. Which I was told I should receive after each payment - ( those receipts only tell the total payment amount, NOT how the payments were applied to your account ). I never received the receipt with the breakout of the payments. 

Again today, I called OMF to ask why the payments have not been adjusted, and I was told that corporate denied the request the week after I called. No one contacted me about it! I asked could I receive a transcript of the conversation with the first agent, and the notes, I was told no. 

My complaint is that OMF is engaging in predatory lending by : 1 ) encouraging use of their application to make payments and then " hiding '' the payment breakouts ( screenshot of the payment screen included ) 2 ) Not providing immediate full accounting of payment related activities by way of an emailed, and/or mailed receipt 3 ) Providing inaccurate information ( agent promised adjustment and corporate denied ), then not following up with the customer by call and email 4 ) refusing to furnish the detail of conversations about customers own account - the agents begin each conversation with the announcement that the call is being recorded. The recording of that call should be for the consumers benefit not just the lenders. 
5 ) Interest is a timed based element of financing, for every month that I made an overpayment, even if not applied to the principal, the interest should decrease based on the early payment of the next months amount due- which didn't happen either. 

The chosen method of accounting for an overpayment is to the advantage of OMF and not the consumer. The consumer should be made aware of what their options are at the time of payment, and/or the over amount should default to decrease the principal balance ( thereby decreasing the overall interest due ). OMF provides services at the very high end of financing rates, greater than 20 % - my own is 24.9 %. I entered into this engagement because I was a business owner struggling through the pandemic and had no other option.
Product: Credit reporting, credit repair services, or other personal consumer reports

With many failed attempts of disputing the following accounts, I decided to give it another shot before filing with the FTCA. You and your companies insist that the accounts been verified, but you never once sent me any physical documentation collaborating your claims. Be more specific than just saying account verified. How was it verified, what method of verification did you use, and even moreso who verified this. I'm disputing these accounts again, ( 1 ) XXXX XXXX {$4800.00}, ( 2 ) XXXX XXXX ( 3 ) XXXX XXXX  XXXX And if you can not provide me with physical documentation in regards to the above accounts than these accounts shall be blocked from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX DEPT OF ED/XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX DEPT OF ED/XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX DEPT OF ED/XXXX
Product: Money transfer, virtual currency, or money service

I, XXXX XXXX, on XX/XX/2020 had visited a TD bank branch at XXXX XXXX XXXX, XXXX, NY where an international wire transfer was performed by the store manager and Vice President XXXX XXXX with a gross negligence or willful misconduct in performing the wire transfer services resulting in misdirecting my funds in the amount of {$5000.00} to the wrong account. I provided a correct information to Ms. XXXX, all the details such as names, XXXX, beneficiary account, address, but because of her gross negligence the funds were transferred to the wrong account in the correspondence bank in XXXX, where I have no account. The  XXXX, though, was indicated for the bank where the funds were supposed to be transferred to and with the address in a different country, which made a whole transaction an awful mess, which in its turn has caused a major inconvenience, a financial loss and emotional distress to me. Ms. XXXX who is a vice president (???? ) had refused to correct her error, but blamed me instead for not checking her computer.
Product: Bank account or service

Paypal decided in the favor of the buyer in dispute case # XXXX. The buyers complaint alleged that they never received items purchased. 

I provided paypal with correspondance that showed the buyer confirming with me via email that they did receive the items purchased. That document is attached. 

Paypal refunded the buyer {$1400.00} after I proved that they buyer not only attended the event they purchased tickets for, but also lied in their dispute.
Product: Credit card

I am a member of Navy credit union and have been for XXXX years, on XX/XX/year> I had hip XXXX and had compications after, severe XXXX and had to go to XXXX XXXX in XXXX XXXX, Tx was there for XXXX days no rooms available was on gurney in hallway for XXXX days on the fifth day finally in a room and test done showed I had a XXXX XXXX and an enlarged XXXX, a XXXX  was installed for removal of XXXX XXXX. I was released and XXXX dept authorized my request for services at XXXX life rehabilitation and approved. I was there for XXXX days unable to leave but getting excellent care. I was medicated and feeling terrible and XXXX day I get a caller saying they were from Navy credit union and asked for information drivers license, date of birth and fraud had been commited on my card to the amount of {$5400.00} and had and sudddenly hung up on me. In my state of pain and agony felt something was wrong I instantly called Navy credit union and reported it and they agreed and canceled my card and issued me a new one, the fraud was commited in New Mexico there was no way it was me, Im in XXXX unable to leave credit card with me I have gone to the office of Navy credit union showed them evidence that I was in XXXX and twice they sent me letters claiming there was no fraud I and veterans believed that they protected military families, I do not know how to solved this problem. I have removed all of my assests to another bank but have not yet closed my account with them, how can they believe after all pain and surgeries the person that commited the fraud and not me a member of XXXX years excellent credit rating and always on time with any payments. I hope that your organization can help me with this problem, I am desperate and still needing to under go XXXX  XXXX for enlarged XXXX  oh by the way I just turned XXXX  years on XX/XX/year> please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the record, there was no response and negative information is being erroneously included on my report, as I have advised you on two separate occasions, more than 45 days and again 5 days ago The investigation took longer than 50 days. This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( a ) As you are well aware, federal laws requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp, No. 95-6445 ( C.D. Cal Nov. 14, 1995 ), you will be liable for your willful non-compliance. Please Remove All Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC I am also keeping the companies listed below informed for your willful non-compliance : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
Product: Debt collection

I was living in the townhouse, when gave month-to-month notice which was approved, then left due to being stalked by unknown person. I filed police report, however apartment complex continues to bill for what they collected from bond for apartment. My minor daughter and myself had to flee the apartment to be safe.
Product: Credit reporting

I sent a dispute regarding updating information on some delinquencies that were reported on my credit report by XXXX, that were later placed on forebearance for a date prior to the delinquencies to a date through the delinquencies pursuant to FCRA 623a2B, I submitted the updated information and requested that the delinquencies be removed and the credit reporting agency failed to update my information and remove the late payments abd failed to properly investigate and verify the information I submitted to support my dispute.
Product: Credit reporting or other personal consumer reports

In the past, I have utilized the dispute function on the credit bureaus websites and have found the results inadequate. After months, the errors have not been corrected. There are multiple inconsistencies, such as an account showing open, yet its closed, and vice versa. As well as accounts showing a CO on the monthly reporting for years at a time
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following inquiries from my credit report, as I am a victim of a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and 605 ( b ), I request that these inquiries be removed from my credit file : Inquiries to be blocked and deleted : XXXX. XXXX XXXX XXXX  o Date of Inquiry : XX/XX/year> XXXX. XXXXXXXX XXXX XXXX  Date of Inquiry : XX/XX/year>
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX  eastern time my account checking and savings for no reason I had funds in my account to pay bills and when I called to see why it was closed they informed me they don't have a specific reason
Product: Credit reporting, credit repair services, or other personal consumer reports

Reason ( s ) n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX ; Account name : XXXX XXXX Bank Account # : XXXX, Account name : XXXX XXXX Account # XXXX, Account name : 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 reporting, credit repair services, or other personal consumer reports

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX  data breach and may have got into the hands of the wrong person. 


1 ) XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX 2 ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX 4 ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX 5 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX XXXX XXXX 6 ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX
Product: Credit reporting

I see that there are XXXX hard inquiries on my credit that took place on XXXX XXXX, 2015. XXXX is from XXXX and the other is from XXXX XXXX. To the best of my knowledge, I did not apply for any credit nor do I have any reason why there would be such inquiries on my account. Can you please find out why these XXXX companies were checking my credit please? 

Thank you, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I asked for relief after XXXX XXXX, and was told I could skip a payment with NO penalty. Now, I finished the priginal schedule ( my last payment was XXXX ). So all I should have left is the payment I was allowed to miss. But instead of the standard {$140.00} payment to pay off the loan, they are saying I owe over {$400.00} to pay the loan. 

I ahve no issue with payin the {$140.00} I was told I could pay at the end of the loan to satisfy the loan, But I 'm not paying {$260.00} extra in fees when I was expressly told I could miss that payment because of the hurricane.
Product: Mortgage

Guild Mortgage is not helping with forbearance during covid repeated troubles with them. They refuse to be transparent in process. I wanted forbearance under CARES ACT. On their website it asks for written documents to prove need for forebearance. I was told we only need ATTEST of financial hardship under CARES act. So i never applied in beginning as of their lying website Almost impossible to reach loan servicer. Hours of waiting on hold which i think they do on purpose. Then phone hangs up many times and give up exhausted. Finally reached loan servicer who was snotty and said she can not promise if payments would be put to back of loan as I begged for and she said i may need to pay lump sum at end of forebearance which terrified me. So, frightened as to WHAT my future mortgage would BE i refused forebearance. Did not take forbearance for months as their web site has videos declaring need documents proof of exact hardship. Afraid they will foreclose. I want to put 3 months payment to end of mortgage they refuse and act very rude and make wait hold for hours. Contacting attorney general now. I can not trust Guild mortgage and heard they do this to many
Product: Credit card or prepaid card

On XX/XX/2022 I purchased a new XXXX 's club Membership using my American Express credit card. I had an offer of {$25.00} credit for this membership purchase. 
Never received a promised credit, so had to pay my credit card bill in full, so today XXXX XXXX 2022 contacted American Express via chat, but my issue is still not resolved, don't see a reason to have customer service since there is no service from them.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 they are supposed to 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 inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, I noticed that I had a false late payment show up on my account due to an error by my bank, XXXX XXXX XXXX. I immediately called them where they assured me it was corrected and would never affect my credit as it would not be reported since it was their error. 

In XXXX XXXX, it randomly appeared on my credit score with XXXX and Transunion. I filed disputes for both of those scores and XXXX swiftly corrected it. I called XXXX XXXX XXXX and they transferred me about 10 times, put me on hold, hung up on me, and refused to take refused to take responsibility, saying the credit reporting companies made an error and they had no idea how it happened as they never reported me as making late payments. 

Transunion eventually ruled in my favor on XXXX XXXX, XXXX. However, they immediately added it back onto my account, so every month my score drops 60 or more points ( see attached document ). I have had to submit a dispute and wait two weeks for my score to be fixed. This is extremely stressful and traumatizing as I am young and establishing my credit to provide for my family. 

It is not legally right that 50 % of the year, my credit score is inaccurate.I have called XXXX XXXX XXXX and Transunion each time it happens. I go through the process of being transferred multiple times, being put on hold, hung up on, only to have each company blame the other and say I need to take it up with them. 

I have decided I believe XXXX XXXX XXXX that they are not reporting a false payment as my XXXX credit score has not been inaccurate since that first false report in XXXX. I believe this is a scam by Transunion to force me into buying their services. Each time I have called and spoken to someone who barely speaks a word of English, they insist I need to buy their product in order to have an accurate credit score. What happened to an accurate credit score being my right as a consumer and person? Why do I need to pay you to fix your mistake Transunion? I will fight this on behalf of other consumers.
Product: Credit reporting or other personal consumer reports

Whenever a consumer reporting agency prepares a consumer report, it is supposed to follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual whom the report relates. 

Unfortunately, the below accounts are falsely reported and should be removed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am applying for the IBR payment plan for my Federal Student Loans. I have consolidated them already.

MOHELA has yet to process my IBR application. I applied once during consolidation in XXXX  and again in XXXX  as I was concerned that perhaps they hadn't received my application since it was taking so long. I was able to have my loans put on forbearance until this month, when I started receivin
g late payment notices. I have called multiple times but the only time I was able to get through with my work schedule, they then told me to hold for 1-2 minutes. After being told about the 1-2 minute hold, an automated message made clear that the actual wait was three and a half hours, this is on top of the four hours I had already waited for a callback. I can not afford to take days off of work to deal with MOHELA 's incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is invalid address on my report My correct address is XXXX XXXX XXXX, XXXX, al XXXX
Product: Credit card or prepaid card

I was paying my monthly payments on time and everytime. Today I received a letter from wells fargo that they have lowered my credit limit from {$7000.00} to {$5100.00}. Their decision has brought my account within near the maximum limit. Therefore it will further have a negative effect on my credit score. I deem their decision to be of a discriminative and unfair business practice. I am a XXXX year old XXXX senior citizen. I no longer work but i was trying my best to keep up the payments and keep the account in good standing unitl they decided to take this inhumane action. We have been and still are in the middle of a pandemic and they take advantage of the disadvanged. Wells fargo and so many other companies depend and control our lives solely on information obtained from the credit bureaus. Which most of the time is incorrect and false and not reliable information.