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

I got a loan approved but didnt receive the funds do to them telling after they approved me that my credit was bad. I don't remember which one. And everytime i go on th internet lots of pay day loan places pop up or call my phone to harass me for money. I asked for $ XXXX {$2500.00} and they wont pay me but took my money and gave it to someone else. Now im im gettn letters collection agencies and real-estate peo ppl le calling and tellimg me i owe {$80000.00} still. I don't own property. They're garnishing my benefits check because of it.
Product: Checking or savings account

Unauthorized transactions were done on my CashAPP account and it was stated that CashAPP was unable to provide any additional support regarding the claim and no further action will be taken. I did not authorize anyone to have access to my account. 

Dates/Times and Amounts : XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Experian XXXXXXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX  Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian
Product: Credit reporting or other personal consumer reports

i recently sent letters to the 3 CRA 's disputing the inaccurate and incomplete information they are reporting on my credit report on XXXX, its been over XXXX  days by FCRA and i have received anything nor has the information been deleted from my credit report.15 USC 1681e ( b ) states that information has to be 100 % accurate and correct before reporting on a consumer report. I am requesting that the inaccurate information be deleted at once.
Product: Debt collection

I financed a computer through XXXX XXXX and eventually was late on multiple payments. After a final notice, XXXX warned me that my debt was going to go to collections. I then went online and paid off my debt to them, fearing my debt would go to a debt collection company. Some how, Midland Funding still acquired my debt and insisted I pay it. I told them that I had already paid the account off with XXXX and that they needed to verify their information with XXXX, but they obviously never did. I proceeded to get calls from them for the next 2 years over this issue, but I eventually began ignoring the calls. In XXXX 2016, I was sued for the amount of the debt by Midland Funding. I acquired proof from XXXX XXXX so that I can prove that I did pay it off, but I am worried about how this will look on my, already hurting, credit score. I honestly do not know exactly what to do in this situation, but I do not feel that I was treated fairly. I paid off a debt that I had owed, but yet I still have to go through the time and effort of proving I paid it to Midland Funding. Do the debt collection companies not have to verify they have a right to the debts before they sue people for them? And do they have the right to continually harass people for money that they are not even sure is owed to them?
Product: Credit card or prepaid card

XXXX XXXX XXXX & Citi Bank are using their significant market power to discriminate against customers based on lawful firearm related business activities. These decisions were unabashedly prompted and lauded by anti-gun activists as political statements and social engineering, not as business decisions based on any alleged financial unsoundness or criminal activity of the affected customers. Lawful activities in accordance with U.S. Constitutional rights should not be discriminated against!
Product: Mortgage

Complaint Complaint - To help us get the investigation process started, provide a brief description of the complaint including dates and the names of those you dealt with. 
Do NOT include any personal information such as account numbers or Social Security numbers. 


We would like to advise you of the many problems we have had with Bank of America since XX/XX/2018 trying to negotiate a short sale on our house.When our financial situation changed due to our HELOC loan ballooning from less than 200 /month to over $ 700/ month, we could not afford it. The bank put us through a loan modification which was denied because our house was underwater. After a failed attempt to sell with a realtor, we asked Bank of America for permission for a short sale. We were told it was up to the bank 's Short Sale Department, and if we had an offer, we would receive paperwork.We received a complete package from a person at the short sale department, which we gave to our realtor, who found a very good cash offer for our home.She was unsuccessful reaching her contact at Bank of America over a period of 5 months. Documents lost, resent ; promised calls and conference calls never happened ; holding times exceeded an hour ; the bank never heard of our realtor ; the bank account manager XXXX XXXX never heard of the bank short sale contact ; we never received promised copies of bank emails, etc. We finally pleaded with our loan manager to see what she could do. She asked her manager to look into this. Now our realtor and we have a new contact, who tells us the loan modification was only on primary loan, when we thought it was also on the HELOC, which we stated we could not pay at the new rate at the beginning.We have been in circles from XXXX until now, XXXX. We have exhausted our savings trying to keep current until now. We have even asked our children for help, which they did, until they can no longer. We feel Bank of America has needlessly caused severe delays, and we fear our cash offer will withdraw, now that six months has been wasted.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several inaccuracies on my account, which are negatively impacting my ability to obtain credit. I understand that it is your responsibility to investigate these discrepancies to ensure the information is accurate. 

Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXX  ] [ XXXX ] report activity XX/XX/year> and then it says the report is open and 120 days late every month XXXX : [ XXXX XXXX ] [ XXXX ] This account is showing twice on my credit report open and a charge off XXXX : XXXX XXXX XXXX ] [ XXXX ] This account is showing twice on my credit report open and a charge off XXXX : [ XXXX XXXX ] [ XXXX ] TThis account is showing twice on my credit report open and a charge off XXXX : XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX This account is showing as an open charge off account and updating monthly XXXX : [ XXXX  XXXX XXXX XXXX [ XXXX XXXX This account is showing as an open charge off account and updating monthly XXXX : XXXX XXXX XXXX  ] [ XXXX XXXX This account is showing as an open charge off account and updating monthly
Product: Student loan

Forced to go into forbearance due to not being able to pay monthly on loan, subsequently the interest on these loans go up.
Product: Debt collection

Years ago while shopping in A local XXXX XXXX I lost my wallet that included a lot of my important papers. I immediately filled a police so that my bank cards would be covered by the report. A few years later I try to apply to finance my home I noticed there were negative remarks on there that I had to get removed.
Product: Credit reporting or other personal consumer reports

I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING. 
LVNV FUNDING LLC XXXX XXXX LVNV FUNDING XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX  # XXXX, Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX # XXXX, XXXX XXXXXXXX # 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: Vehicle loan or lease

I am about to go the 30 days late on my loan and I have made several attempts to ask the institution to honor deferred extension due to natural disaster but they somehow expect Me to pay them Before they can assist me with the extension whereas if I was able I would need no extension.. 

The destruction due to recent wildfires in California has impacted the lives of many of our account holders. If you have been personally affected and are interested in assistance with your Mercedes-Benz Financial Services account, please call us at XXXX. 

I am in XXXX California and we qualify for this help but they want us to pay to get the help and thats just not possible under these circumstances..
Product: Credit card or prepaid card

This morning XX/XX/23 I try to redeem my points from Bank of America credit card, then I find out my account got closed and I can't redeem my points, and the redemption department told me they can't do it because the account got closed, but I didn't get any notice beforehand, they said my account got closed on XX/XX/23, nothing is showing in my online banking or receive any type of notification from the bank through text, mail or phone call before XX/XX/23, otherwise I would redeem them before, my total reward points are XXXX, which worth {$9400.00}
Product: Checking or savings account

More than 200 checks issued to me or my business disappeared in early 2017. By XXXX, they were discovered and by XX/XX/2017 traces completed. All items had been deposited into a Wells Fargo account created by Identity Theft but to which I was denied access to any information regarding the account, who was involved etc. 

A Police Report was filed with XXXX Police in XXXX of 2017 and a claim made with FDIC. To my surprise, the onsite manager of my Bank, XXXX XXXX XXXX, interfered with successful resolution by reporting the items had been previously deposited to my XXXX XXXX   XXXX account by Scan. 

The OCC ruled the items never deposited by any means to my XXXX of XXXX account and therefore my claim for Deposit Insurance didn't apply but in the process verified the checks were never in my possession. 

I still have no information about the account so I may press my rights regarding exposing and stopping the Identity Theft and at the very least making available the means by which the monies can be repaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I received a copy of my credit report that shows 5 different listings of loan balances from Dept of Ed/ Naviet on all the credit bureaus with the following amounts listed : {$37000.00}, {$2000.00}, {$2100.00}, {$1400.00} and {$4300.00}. I have no knowledge of theses accounts as they do not belong to me. I sent in disputes and received a packet dates XX/XX/182019 with prommissary notes enclosed with 4 different signatures thats not mines. I'm requested Dept of Ed/Navient removed ALL Listings from my XXXX, XXXX and XXXX credit files.
Product: Credit reporting or other personal consumer reports

I am writing to address a concerning issue regarding fraudulent items that have appeared on my account. 

Upon reviewing my account statements, I discovered several transactions that I did not authorize or recognize. After careful examination, it became apparent that these transactions are fraudulent in nature. 

Given the seriousness of this matter, I kindly request that your team take immediate action to investigate and remove these fraudulent items from my account. Additionally, I urge you to implement measures to prevent similar occurrences in the future. 

I understand that resolving such issues may take time, but I appreciate your prompt attention to this matter. Please keep me informed of the progress and steps being taken to address this issue. With this, I am asking for your assistance to remove these fraud items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XXXX and XX/XX/2021, I filed a dispute with this credit bureau about incorrect reporting of address on my credit report : XXXX XXXX XXXX XXXX, AL, XXXX -- XXXX XXXX XXXX, AL, XXXX -- XXXX XXXX XXXX, AL, XXXX. 
. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about errors as of today. Thank you
Product: Student loan

I have payments made on my account that should count towards student loan forgiveness under the XXXX program. Those payments are payments for the subsidized and unsubsidized loans for payment dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please correct the information on the account and include these as eligible payments under XXXX
Product: Debt collection

Mass amount of daily calls from Lowes Credit card. Sending them a letter asking them to stop. 

call log Monday XX/XX/2018 XXXX XXXX, XXXX Sunday XX/XX/2018 XXXX XXXX, XXXX, XXXX, XXXX Saturday XX/XX/2018 XXXX XXXX, XXXX Friday XX/XX/2018 XXXX XXXX, XXXX XXXX, XXXX, XXXX Thursday XX/XX/2018 XXXX XXXX, XXXX, XXXX, XXXX wednesday XX/XX/2018 XXXX XXXX, XXXX Tuesday XX/XX/2018 XXXX XXXX, XXXX, XXXX Monday XX/XX/2018 XXXX XXXX, XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX.
Product: Checking or savings account

I received a suspicious call this morning verifying a bank account that was being opened under my name online. I have not attempted to open a business checking account online with Wells Fargo. I hung up with them and called Wells Fargo and Wells Fargo had no record of me attempting to open an online business account. I believe these people were fishing for more information about me to complete whatever type of fraud they are trying to commit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account with XXXX XXXX was disputed with Transunion twice. The company responded that the account is reporting accurately twice. There is still inaccurate and incomplete information being reported. I have attached documents showing the inaccuracies. The other credit bureaus have already deleted this account as the information was inaccurate, incomplete and unverifiable. Also, there is no comment stating that the account was in dispute although I have disputed it twice. This is a violation. The balance of {$1700.00} is wrong. The balance should be {$0.00} as you see in the comments that the company wrote off the account with the IRS as a profit and loss. The past due balance is reporting as {$420.00}. How is this accurate if the balance is reporting as {$1700.00}? This is inaccurate information. The last active date of XX/XX/XXXX is inaccurate. I have not had any contact with this company or had any activity on the account in many years. The last payment date is reporting in XXXX. There has not been activity since this. Transunion is allowing inaccurate and unverifiable information to be reported. Also, no notes regarding my previous disputes.
Product: Mortgage

I have been looking for a house in XXXX XXXX S.C. and I was calling realtors requesting to see properties. All of them told me I needed to be approved by one of there lenders. I already had a lender but they pushed and pushed. The realtor I worked with showed me a copy of the mls listing and it stated specifically that I had to get pre-approved with there lender. Sounds like steering to me. here are some XXXX # 's that I saw that seemed to be inappropriate are # XXXX # XXXX # XXXX # XXXX # XXXX. I felt uncomfortable being pushed by the selling agent to use " there mortgage person ''
Product: Checking or savings account

During the hurricane Irma, from XXXX thru XXXX We did n't have internet service to access on my BBT account. The mobile app shows error all the time. I lost counting how much money I have on account and the first fee come on XXXX, I went to the bank and I ask them to freeze the account because I do n't have money on my saving to transfer and cover the balance. It was lips service that they will do something. 
I am old customer from XXXX and I forgot that I have overdraft protection. They charge me for overdraft protection but I do n't have benefits from that, looks like double dipping. 

From that first overdraft fee I was NUMERUS time to ask them if they can do something to stop that account collecting charges and fees. I explain to them that my business is under construction it does n't make money like in normal days, I am divorced I have a small child and it is happened that I am tight with money.I try to cancel everything what is connected with that account and still pop-ups some charges, the situation is ongoing, every day the new fee is coming and I cant stop them.ThXXXX more they coming, the more I am falling in hole.The XXXX does n't budge works for them, why to stop. 
I have to mention that XXXX is my second language and I apologize for mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX 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 XXXX i spoke to a representative agent name 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

These address is wrong on my credit report, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX I want to correct these address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reporting of an identity mix-up on my credit reports ( XXXX, XXXX, Experian ) since 2013. I have filed two police reports and spoken to all 3 credit reporting companies with no success. I am unable to open bank accounts at US national banks or obtain credit because the security questions needed to open such accounts are not my questions. They are questions that pertain to another person by a similar name similar birthday as me. I have the name of the person my identity is being tangled up with but all 3 reporting agencies tell me there is no problem.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002. 142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX, XXXX and Experian. Please delete the following accounts and ANY and ALL inquiries associated with the accounts. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.