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

On around XX/XX/XXXX, XXXX applied for a Payday Loan for {$200.00} and charge was {$35.00} fees. 
I contacted Facility Managers that was going through a Family Financial Hardship during Covid19 Pandemic issues after I received the payday loan and plus also I lost or stolen checks. 
In which I notified XXXX XXXX and Bank Managers Closed my checking account to protect my identity, and much more.. XXXX XXXX XXXX  and XXXX XXXX Manger was contacted and explain the issues and I requested to make a payment arrangements. But Manager declined my requests and they deposit the check of {$23000.00} with XXXX XXXX  that was Closed around XXXX XXXX. 

XXXX XXXX XXXX Managers intentionally are charging extra fees of {$15.00} and more. I have told Managers that I was XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX XXXX Veteran.and I only receive XXXXXXXX XXXX XXXX but Managers didn't want acknowledge.
Product: Debt collection

I receive messages from random numbers telling me " XXXX XXXX, P & B LLC has an important message for you. Please call XXXX and reference file # XXXX to receive this message. Stop to Stop '' I am not XXXX, I have replied with that message. I have replied with " Stop ''. I have also replied by typing Stop around 100 times. This company has text me today XX/XX/23, and several times before.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureau is practicing Deceptive practices. I have provided three written requests to ask for six ( 6 ) different inquiries be removed from my credit report I DiD Not Authorize. EXPERIAN CONTINUES TO REPORT THESE INQUIRES. I was affected by XXXX  data breach in XXXX as well as two other breaches. My credit file and personal information was compromised. I informed Experian as recently as XX/XX/XXXX to remove the following Inquiries. One company ran my file 3 times on the same day. I did not authorize this. Also Experian is lowering my score with each credit dispute. 

Rental property solutions Inquiry XX/XX/XXXX Inquiry XX/XX/XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period. 

SELF FINANCIAL/LEAD XXXX  XXXX As you can see I have been violated and due to the damages that have been done to my report, you are civilly liable to me in the amount of { {$8000.00} }. 

I will attach screenshot and bureau supposed investigation
Product: Credit reporting

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that were disputed. Since they have gone past the 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- They are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. 
Thank You.
Product: Credit reporting or other personal consumer reports

I am writing to address serious concerns regarding the handling of my personal informationbyyouragencyandtoformallyrevokeanyconsentrelatedtothesharingor reporting of my personal data. 
Under the Fair Credit Reporting Act ( 15U.S.C.1681 ), consumer reporting agencies like [ XXXX/Experian/XXXX  ] are required to exercise their responsibilities with fairness, impartiality, and respect for consumers rightstoprivacy.Furthermore,15 U.S.C.1681Section604 ( a ) ( 2 ) states that consumer reports may only be furnished with the written instructions of the consumer. I have not provided any written consent for my information to be shared or reported, and I hereby revoke any prior consentwhether verbal, written, implied, or otherwise. 
Additionally, under15U.S.C.1681c ( a ) ( 5 ), adverse information that is older than seven years ( unless related to criminal convictions ) may not legally be included in consumer reports. If your agency is reporting any such outdated or adverse information about me, I demand its immediate removal. 
Finally, under15U.S.C.1681e, youragencyisobligatedtomaintainreasonable procedures to avoid violations of the law and ensure that consumer reports are used only for lawful purposes. Your compliance with these requirements appears to be insufficient in my case. 
I am therefore requesting the following actions : 1. Stop all reporting of my personal and financial information without my explicit, written consent.

2. Immediately review and correct any inaccuracies and remove adverse information that violates federal law.

3.Provide written confirmation that these actions have been taken and my information is no longer being improperly reported or shared.
Product: Credit reporting or other personal consumer reports

I currently have a few fraudulent accounts appearing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS VIOLATING THE STATE USURY CAP OF 12 PERCENT AND SECOND XXXX XXXX HAS NO VIRGINIA LICENSES TO DO INTERNET PAYDAY LOAN HERE IN VIRGINIA. THERE IS A LAWSUIT OUT AGAINST THEM FROM THE STATE OF VIRGINIA FROM THE ATTORNEY GENERAL FROM VIRGINIA. I CALLED XXXX XXXX ON THE PHONE ON MONDAY AND I TALKED TO THEM REGARDING MY DISPUTE AND I ASK WHY IS THIS ACCOUNT STILL ON MY CREDIT REPORT SINCE THIS ACCOUNT WAS ILLEGAL PAYDAY LOAN AND THEY WERE NOT AUTHORIZE TO DO OR LEND MONEY HERE IN VIRGINIA AND I WAS TOLD FROM ONE OF  THE REPRESENTIVE ON THE PHONE YES THERE WAS A LAWSUIT FILE AND YES THEY ARE NOT AUTHORIZE TO LEND MONEY IN THE STATE OF VIRGINIA AND THAT I WOULD NEED TO CONTACT THE CREDIT BUREAU ON ANY ISSUE I HAVE WIWTH MY CREDIT REPORT. ONCE AGAIN I CONTACT THE ATTORNEY GENERAL OFFICE HERE IN VIRGINIA AND I WAS TOLD THAT XXXX XXXX IS BEING SUE BY THE STATE IN A LAWSUIT AND I CONTACT XXXX REGARDING MY CREDIT REPORT AND STATE THAT THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT SINCE THIS ACCOUNT IS A ILLEGAL INTERNET PAYDAY LOAN SINCE AT THE TIMW WHEN I TOOK OUT THE LOAN IN XX/XX/XXXX THEY DIDNT HAVE A LICENCE TO DO BUSSINESS IN THE STATE. YES THIS LOAN IS DISCHARGE ON MY CREDIT REPORT AND THIS ACCOUNT IS DUE TO COME OFF MY CREDIT REPORT ON XX/XX/XXXX BUT THIS LOAN SHOULD NOT NE ON THE REPORT AT ALL
Product: Credit card

I attempted to use my rewards points for a hotel stay and every time I booked, I would automatically get a cancellation email saying the request could not be processed. I tried multiple times on different dates and would receive the same email. After the reservation would get cancelled, the rate would go up a couple XXXX dollars. I called customer service and they said they would not honor the rate originally provided and said they could not help me. Ultimately, I was unable to use my rewards points and had to book my stay on another site. Their XXXX platform makes it impossible for a customer to redeem their rewards.
Product: Credit reporting or other personal consumer reports

I noticed an unauthorized inquires on my report that are inaccurate please remove them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted these disputes directly to Equifax and received the attached confirmations. For good measure, I am submitting them to you for follow up. It appears a few of the items have been deleted ( I will not name them each here ) but perhaps there is a delay for some of them. Thanks in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAN 30 day they are in violation of the " FAIR CARES ACT '' inquiry Credit Bureau XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
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 demand to be deleted immediately XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I used the MoneyGram mobile app to send some money internationally. Within an hour of sending the transfer, the recipient received a XXXX call from a company named XXXX stating that they worked on behalf of MoneyGram, and they had all the information pertinent to the transfer, including all my personal information and banking information. They stated they only needed her information to verify the transaction. She declined and immediately let me know. Next morning when i woke up to call MoneyGram to complain, I noticed I had a couple fraudulent transactions on my account for a couple grand. I followed the appropriate channels to let my bank and MoneyGram know of the situation. MoneyGram stated there was no one with that company name that worked for them, but somehow those people had access to all the information from the money transfer and all my banking information, so theres either a huge flaw/ security exploitation within the app or theres people within the corporation getting unauthorized access to peoples information and using that malignantly. Either way, its a huge deal. And this is sure to be affecting many other people and its a dire issue that needs to be addressed.
Product: Credit reporting or other personal consumer reports

I submitted a dispute with all 3 credit bureaus regarding a few accounts reporting on my credit file.

I dont recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments.

Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX XXXX Account number XXXX Original creditoXXXX XXXX XXXX XXXX  Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
ccount name XXXX XXXX XXXX XXXX  Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXXXXXX XXXX XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA.

Each time I call or submit a dispute regarding these items on my credit file the bureaus don't investigate anything within 2 days they somehow keep validating these accounts.
Product: Debt collection

Convergent XXXX XXXX sent me a notice dated XX/XX/XXXX saying I owed {$290.00} for a XXXX account. It is a falsified debt. I have not had XXXX since XX/XX/XXXX. Attached see the text alert I received. I knew it was inaccurate because I did n't have a XXXX Card and had reported ID Theft to FTC on XX/XX/XXXX along with XXXX law enforcement report & number. I then called XXXX and placed Initial Fraud Alert for all credit bureaus. After sixty-two ( 62 ) days, I made placed a freeze on my credit reports. On one occasion, there was a breach in a credit bureau and some falsified debts did get through and placed on my credit history. Both are XXXX XXXX XXXX in origin. There are substantiating documents denying the debts. 

I have contacted Convergent twice to try to explain. I call from a financial institution. I am an identity theft victim and I do n't intend to give them any information. They will not listen or assist me because I will not give them my telephone number or email address. This concept is ridiculous as I do not need any more harassment. as a victim. 

See the documents attached and contact the company, please. Yes, I know it 's been a long time ; however, I do n't have a computer or smartphone. The closest library is 38 miles away and we live in a rural area without public transportation. Thank you so much for all your organisation has done for me for almost two years over the phone. received from XXXX XXXX ( with whom I have not an account with since before XX/XX/XXXX ). 

Also attached are correspondences, only two ( 2 ), as there have been numerous over the past twenty ( 20 ) months along with telephone calls with XXXX XXXX. This XXXX XXXX XXXX is very adamant that it is known the card was not initiated by me, no charges made by me and I had nothing to do with anything associated with their card services.
Product: Checking or savings account

On XX/XX/13 I made a transaction for XXXX on an account that does not have overdraft protection. I have chosen to opt out in overdraft protection and am accustomed to the bank declining my purchase if there are not enough funds to cover the amount. Specifically to avoid overdraft fees. I was unaware that the account had become overdrawn by {$20.00}. Over a month later on XXXX the bank began taking out a daily {$6.00} Consecutive days XXXX  fee. Again I was completely unaware. Totaling {$120.00}. On XXXX the bank charged off my account, creating confusing charges and credits eventually totalling a {$170.00} credit to my account. Again, I was completely unaware of all of this activity and had not been contacted. I had been having a separate issue with the bank refusing to change my mailing address and believe this may have caused the lack of communication. 
On XXXX I began to transfer funds into my remaining account to prepare for a down payment on a car. I noticed that my other account had been closed but did not look in to it yet. Looking at it this evening XXXX I see that they had taken {$170.00} from my remaining account to cover the excessive fees charged to my now closed account. Causing me to look further into this issue and contact customer service. The online agent XXXX told me I was not charged an overdraft fee but a negative balance fee and that there was no refunding these charges.
Product: Checking or savings account

My Tax Return Deposited Into my account & basically on the same day the account was closed & they asked for more information regarding to my tax return. Mind You I provided all of the information they were requesting from me soon as I do they tell me with further review they decided to close my account & then stated Im not eligible for a refund. Ive never in my life dealt with nothing like this especially not being able to receive my remaining balance that was in my account, I truly dont care if my account is not reopened but I would like my money this truly makes no XXXX sense, excuse my language but this is totally wrong. 



Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have XXXX unauthorized hard inquires on my XXXX  credit report, these inquires are fraudulent and do not belong on my report. 

XXXX XXXX, inquiry date XX/XX/XXXX Jpmcb auto, inquiry date XX/XX/XXXX XXXX XXXX, inquiry date XX/XX/XXXX XXXX, inquiry date XX/XX/XXXX XXXX, inquiry date XX/XX/XXXX XXXX, inquiry date XX/XX/XXXX XXXX XXXX, inquiry date XX/XX/XXXX XXXX credit, inquiry date XX/XX/XXXX XXXX credit, inquiry date XX/XX/XXXX XXXX credit, inquiry date XX/XX/XXXX 2025
Product: Money transfer, virtual currency, or money service

I have an account with Coinbase, a  XXXX   XXXX -based   XXXX   trading platform. On  XXXX   XXXX  , 2017, I   sold {$790.00} of  XXXX  from my account. The funds were supposed to be transferred to my checking account within 3-5 business days. As of toda y (   XXXX   XXXX ,  2017 ), I h ave still not received payment.   I have tried contacting Coinbase via email and telephone multiple times to inquire. The company is completely unresponsive except for automated replies that do not address my issue or answer my questions.   I need the money and  Coinbase is  profiting from the float. Please help!   Thank you.
Product: Student loan

Over the past 11 years, while working at XXXX  XXXX XXXX, I have inquired with Mohela, my student loan servicer, about consolidating my FFEL loans into direct loans which would qualify me for public service loan forgiveness. I inquired several times over the course of the past 11 years and they have consistently made it very clear that it was an impossibility to consolidate my loans to direct loans because my loans are FFEL. I called Mohela yesterday just to see if they are still telling people this false information, and they did tell me I could not consolidate my direct loans to direct loans in order to gain public service forgiveness, which I 've recently found is false. After I told them I had spoken with XXXX XXXX XXXX XXXX, they then said they do n't make those types of decisions and they are sorry I 've been misinformed for all of these years.
Product: Payday loan, title loan, or personal loan

See attached letter dated XX/XX/XXXX to XXXX XXXX, Wells Fargo Bank, regarding a problem with a home equity loan that I had obtained in XX/XX/XXXX. 

Wells Fargo responded to me via letter on XX/XX/XXXX. Attached. 

I was not satisfied with Wells Fargo 's response because due to their error and confusing documents, I ended up paying an additional {$15000.00} to pay off my loan with interest. I contacted the person who responded to my letter and he was unable to resolve my concerns. 

XX/XX/XXXX, I received a phone call from XXXX XXXX of the Wells Fargo Home Equity Department. During our conversation, she admitted that the process was complex and confusing and that there were only a handful of equity experts like herself in the US. At that time, the maturity date of the loan was XX/XX/XXXX. If the entire balance was not paid off by this date, the fixed rate would expire and I would have to pay the prime rate. She also offered me a new rate to consider, which she said she " ... wasn't supposed to do. '' XX/XX/XXXX, I called Wells Fargo ; spoke to XXXX to ask for loan payoff balance. I also asked about the process to release lien from my home. She said I would have to pay a {$400.00} penalty and $ XXXX county fee for an early release because the account will not close until XX/XX/XXXX. She told me these terms are explained somewhere in my original loan agreement. I paid off the balance and subsequently discovered I over-paid by {$200.00}. 

XX/XX/XXXX, Wells Fargo finally debits my account with the {$200.00} over-payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was t

he victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of ite
ms which do not belong to me or were opened without my permission. 

XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Collection : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN Collection XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX