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

I have a current loan with Mariner Finance at their XXXX IL location. I have had a few loans in the past with XXXX who was then bought out by Mariner Finance and all of my loans have been paid on time, as my other loans and credit cards are as well. I fell behind a couple of payments right around XXXX of 2021 as I had to have emergency XXXX XXXXXXXX which my health insurance did not cover and had to pay $ XXXX out of pocket, as I could not get a loan. Due to this I fell behind a couple of payments. I kept in contact and was treated rudely by the workers so contacted your office, then the corporate office reached out to me only because I contacted you. They did not offer me any help, like refinancing the loan to get me current and thereby allow me a little time to get back on track, but instead accepted only a promise to get their account current by today. They automatically start threatening to sue you if you are even late by a few days. I work for the State of IL XXXX, have a secure job, have been there almost five years, have not been late on any payments, but my tax refund did not come yet, even though I thought it would be here as I filed early as usual, they accepted it electronically and it is a simple return. The IRS is incredibly slow!! I contact them and sit on the phone for hours then the rep that answers says they can not look up my account, don't give them private information, they can't help with this and that and basically everything as they work from home, then has the nerve to ask me " What they can help me with and did they meet me needs ''. It is insane. So, I can not come up with this money the {$1600.00} they show I am behind now, in fact I can't even make a payment after paying my rent and utilities, gas and groceries which have tripled in cost! I need for them to refinance the loan to get me current or to stop all interest on the loan and give me a payment plan that I can pay ( one payment monthly starting XX/XX/XXXX ) until it is paid in full. It is not going to hurt then to refinance it to get me current and back on track, if they want their money they need to work with me. I am not trying to avoid paying my payment but can not not pay my car payment, rent, utilities, gas and food to do so, or I will not have a job and be living in my car!! I reached out to their corporate office and got voicemail and left a message explaining all at XXXX this morning and told them I need to refinance the loan and help with getting it caught up and wanted to pay it, then asked them to call me today, but no one is returning my call. This is how they respond both at the local office and corporate until they hear from you!! Please make then follow the laws and work with me to get my loan caught up so I can pay it as agreed. I am a twice widowed mother and have no financial help but do have a good income and just need some help with getting it current and moving forward. I am off work today only due to the ice storm and my two hour a day commute, so this is a good day for me to resolve all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the data breach in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, IRS Data Retrieval Tool for FAFSA and I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and FTC ID theft report which are attached. I'm requesting these information to be block from my credit report a in accordance with the FCRA .Please romove all none account holding inquiries in the last two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

As of XX/XX/2022 Wells Fargo employee told me on recorded line I will get my money back but now they are refusing to pay
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Several times Ally Financial has called me to collect on my past due auto loan. When I answer they hang up as I 'm saying " hello '' ( I answer typically after the 2nd or 3rd ring ). They are using the " deceptive '' tactic as a way to notate my account as " no response '' this has been going on for about 30 days. I have made payment arrangements via online and called to advise I have done so, and I 'm still receiving calls. As well when I contacted Ally in XXXX to make payment arrangements, inquire about assistance, and ask about they 're repossession policy the representatives as well we Supervisors refused to give me " clear & a straight forward '' responses. I am issuing a complaint of harassment against them. And would like it to be looked into
Product: Debt collection

Since XXXX 2017, I have received two calls a day, six days a week from a company call Portfolio Recovery, XXXX XXXX XXXX, XXXX, VA XXXX. They use numerous different numbers to call from including:XXXX, XXXX, XXXX, XXXX. The calls come at approximately the same time every day. The phone rings twice and they hang up. Only once was I able to answer in time. The caller was looking for someone who I do not know and is not at this phone number. I explained this to the caller who was then very rude. I told them not to call any more, but the calls continue. NO ONE IN MY HOUSEHOLD OWES ANYONE ANY MONEY. THESE CALLS ARE NOT FOR ME. These are now Robo calls, there is an electronic sound on the line, but no one answers. Receiving thousands of phone calls over a 6 month period of time from the same company is simply harassment. The number they are calling me at is XXXX. I wish to report Portfolio Recovery for telephone harassment. I an also on the DO NOT CALL REGISTRY. I have NEVER received anything in the mail from this company about any issue, so why do they keep calling.
Product: Money transfer, virtual currency, or money service

I previously tried to remove my bank account to my PayPal account because of overdraft fees that had occurred from billing payments i didn't request. When I tried I received an error message saying this is unavailable right now. It happened again yesterday where they tried to charge that account twice and I incurred {$30.00} overdraft fee each instance. When I called PayPal to get my bank account removes the lady informed me that she could easily do that for me and that that happens a lot when people try to remove their Account online. I requested that PayPal cover my overdraft fees since my bank wont refunds it.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I purchased a {$5.00} book on the XXXX XXXX XXXX as Paypal was offering {$10.00} to everyone who spent {$5.00} on the XXXX XXXX 

I purchased the book and sent Paypal copies of the receipt ( which was paid for via Paypal ), they have yet to reply nor credit me the {$10.00}. 

1 month ago I filed a complaint here against this same company for not allowing me to use my venmo account on a day I needed it, they company refused to provide any remedy and denied accountability, again. 

Today I am writing to illuminate petty harassments of the company, in their choices to ignore my correspondence and fulfill their obligations to their claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUESTED FROM TRANS UNION NUMEROUS TIMES TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE SENT THEM MY IDENTITY THEFT REPORT. THE OTHER 2 BUREAUS DID THEIR INVESTIGATION AND THEY REMOVED THE SAME ACCOUNT DUE TO THE FACT THAT THE ACCOUNT WAS FRAUDULENT AND NOT MINE. TRANS UNION IS STILL REVIEWING.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Product: Credit reporting or other personal consumer reports

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verity as accurate, on top of that I did request for the original contract and they did not respond me, since they havent responded back, im not liability for that collection Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Checking or savings account

XX/XX/year> Fraudulent charge {$10.00} XX/XX/year> Fraudulent charge {$10.00} XX/XX/year> Fraudulent charge {$1.00} HSBC Bank sent me a letter dated XX/XX/XXXX ( see attachment ) that the investigation was complete, and that all the charges from the same company were unauthorized. Yet they would only refund the charges made in XXXX and XXXX, but not the charge made in XXXX. So I mentioned that I want to file another fraudulent report now for the XXXX charge but they said I could not.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

CREDIT REPORT FILE GENERATED ON XX/XX/year> .THE PERSONAL INFORMATION PROVIDED ON THE CREDIT REPORT IS INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX are reporting the following inquiries that I did not authorize! According to the FCRA Section 1681e - Reasonable procedures to ensure accuracy : This section requires credit reporting agencies to maintain reasonable procedures to ensure the accuracy of consumer credit information they collect, maintain, and disseminate. This includes procedures to verify the accuracy of information reported by creditors, and to correct or delete inaccurate information. 
Section 1681i - Reinvestigations : This section gives consumers the right to dispute inaccurate or incomplete information in their credit reports. Credit reporting agencies must investigate any dispute and, if necessary, modify or delete inaccurate information. The agency must also notify the creditor or information furnisher who provided the disputed information about the dispute. Please help me dispute the following inquiries : 1 ) XXXX XXXX XXXX Inquiry Date : XX/XX/2022 XXXX ) XXXX XXXX Inquiry Date : XX/XX/2022 XXXX ) XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2022 XXXX ) XXXX XXXX Inquiry Date : XX/XX/2022 XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/2022 XXXX ) XXXX XXXX XXXX Inquiry Date : XX/XX/2022 XXXX ) XXXXXXXX XXXX  XXXX XXXX Inquiry Date XXXX XX/XX/2022 XXXX ) XXXX  Inquiry Date : XX/XX/2022 XXXX ) XXXX  Inquiry Date : XX/XX/2022 XXXX ) XXXX Inquiry Date : XX/XX/2022 XXXX ) XXXX XXXX. Inquiry Date : XX/XX/2022 XXXX ) XXXX XXXX Inquiry Date : XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$420.00} U S DEPT OF EDXXXX XXXX Balance : {$38000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} U S DEPT OF EDXXXX XXXX Balance : {$33000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Validation Of Debt letter to XXXX XXXX XXXX XXXX via certified mail ( copy of letter attached ). It was received on XX/XX/2021 ( proof of service attached ). As of today XX/XX/2021, XXXX XXXX XXXX XXXX has YET TO APPROPRIATELY RESPOND WITH ANY VALIDATION OF DEBT they are claiming, but are continuing to report this non validated information to the credit bureaus This is a violation of my rights under FDCPA. The bureaus are allowing this non validated information to appear on my credit report, which is a violation of my rights under FCRA. I have attached all correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I found numerous accounts listed that are NOT related to any transactions made by me. This was a result of malpractice or an error.
Product: Credit reporting or other personal consumer reports

I have old sallie mae loans that were discharged in bankruptcy and equifax is showing 5 late payments on these 2 loans after they were charged off and discharged in bankruptcy.. My fico is showing recent late payments and so is my report..
Product: Credit reporting or other personal consumer reports

My rights have been violated and I requested immediate remedy through Due Process. Per 15 USC 6802 ( b ) ( c ) I am supposed to receive knowledge of my rights to opt-out of my personal information being disclosed/reported through a 3rd party unaffiliate and then a second notice to instruct me on that process. Per 15 USC 1666 ( b ) you can not list a payment late on an open account or closed if there is a billing error or unless you can prove with incontrovertible evidence that it was mailed and delivered before 21 days of the due date. No proof has been given or shown and the XXXX party never requested proof to confirm before marking my credit profile with a late payment. Not only did I not receive these said notices and instructions. I also have not received any proof of the damaging action of a late payment.The things that are being reported are affecting my business reputation in a negative way. It is causing me higher interest rates and credit denials. It is also causing immense amounts of stress. Which is also hurting me on an emotional, physical and mental level. If this is not rectified within 30 days I will be left with no choice but to further my elevated stress by pursuing legal action exercising my rights in 15 USC 1692 ( b ) ( d ) ( e ) ( k ). As their choice to not manually perform an investigation and to rely on XXXX  is also causing further damage. The remedy I currently request is all negative items removed from my credit report immediately.