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

I was very unfortunate enough to come across this company for a short term loan I needed when I lost my job to pay bills. I took out a loan for $XXXX  to pay for the bills, and was under the impression that I would make monthly payments on the loan. What I later found out is that the payments would come out every two weeks and would basically cover interest with very little going towards the principal, I made 3 payments of $XXXX towards this loan and still owed over $1000 after the fact. The lending practices of this company are predatory, and they lock you into payments that go well beyond the principal and normal interest rates which I verified and are highly illegal in the state of Florida on top of the fact that they are not even legally registered to conduct business in this state they have no license. To date, I have paid back twice the amount I have borrowed, and am expected to pay three times the amount of what was borrowed. This company is praying on individuals who have an immediate need and turn this nerd into an ongoing. Financial hardship. Charging close to 300 percent interest on their loan. You can not gather information from their website on your loan, get any documents anywhere and can barely contact them whatsoever. This is unethical and should be considered illegal practices by this organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the XXXX, XXXX, and Equifax to reinvestigate those accounts. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. As this is in Violation Of 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft and under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 

1. Account Name : Unknown Account # : XXXX 2. Account Name : Unknown Account # : XXXX 3. Account Name : Unknown Account # : XXXX 4. Account Name : Unknown Account # : XXXX 5. Account Name : Unknown Account # : XXXX 6. Account Name : Unknown Account # : XXXX
Product: Credit reporting or other personal consumer reports

Dispute due to the data breach with all of the 3 credit reporting agencies with includes Experian, TransUnion, & Equifax ( code ) 15U.SC.1681
Product: Credit reporting, credit repair services, or other personal consumer reports

i do not recognize these inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXransunion XXXX XXXX XXXX XXXX
Product: Debt collection

I am an accountant for XXXX XXXX XXXX XXXX, the president is XXXX XXXX. They owe money to XXXX/Recovery Solutions Group LLC./ XXXX, a gentlemen by the name of XXXX XXXX have been harassing my client with phones calls. He calls her cell and her business all the time too early or too late. He called her landlord, and he called my office. I spoke with him once and I asked him to please not to call my office any more. I explained to him that I was the accountant, but I do not pay their bills. At that conversation, he claims that I called him, and that I left a message threatening to harm him. I told him that I did call him nor left a message, and that I am a XXXX, that I do not threaten people. He said what being XXXX does not mean anything, at the end of the conversation he told me to pay my bills. 
I told him that if he calls back my office. I was going to record the conversation, and I was going to file a report against him. He called back again and keeps on calling. 
This morning I was listening to my messages, and I noticed the he called twice the last time was on XXXX XXXX, XXXX at XXXX am. He calls and plays a message that was left to him. The message was left to him, my XXXX on my employees who claimed to be me. I did not authorize the phone call and I was not aware of the message until this morning today XXXX/XXXX/XXXX at XXXX XXXX 
The message is asking him to stop harassing our client and to stop calling her, the landlord and our office, that if he did not stop calling that our client was going to take legal action. In the message there is a part that says that " her medical records are going to be more expensive for you '' I guess it was meant that she is getting sick by his harassment, and that she will charge him for the medical bills. However, also it may be interpreted that his medical bills may be more expensive, the word " her '' if taken off could me misinterpreted. I saved the recorded message that he keeps on playing when he calls my office. 
I really do not see the reason why XXXX XXXX keeps on calling my office and keeps on leaving the recorded message into my voice mail ; I do not see the point of harassing me. I have many clients I never had a situation like this before. 
Here I am attaching emails that I have received. 
I want this company to be fully investigated for the harassment that he is doing to my business. I am not part of any actions that they may have against my client, I do not owe them any money.
Product: Credit reporting or other personal consumer reports

Good afternoon, I am reviewing my credit report and I keep seeing soft pulls every single day from credit karma, I do not have a credit karma and I didnt authorize any soft pulls and I am confused why this is being done everyday without my authorization or knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX {$710.00}, XXXX XXXX # XXXX {$0.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX # XXXX {$0.00}, XXXX XXXX # XXXX {$24000.00}, XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX {$12000.00}, XXXX XXXX # XXXX {$0.00}, XXXX XXXX XXXX XXXXXXXX {$2100.00}, XXXX XXXX XXXX XXXXXXXX {$1400.00} 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 an account without my written instructions.
Product: Mortgage

My mortgage is held by Chase. Several years ago I inadvertently let my Home owners insurance laps. I soon found a new policy, but Chase issued there own policy in my name and charged me a very high price for a policy that only covers their loss.. When I brought to their attention that I had my own policy, they canceled their policy, but issued another, in my name, RETROACTIVELY!! I refused to pay for it, so they deducted the amount from my next monthly payment and charged me a late fee. They have been listing me as delinquent since then, while holding the remainder of that monthly payment in a fund. I owe about {$200000.00} on a house worth about {$900000.00}, the land value is farr over the loan amount. In 50 years of living in this house, I have never had a home owners claim Can you help PLEASE???
Product: Mortgage

the loan was modified b y Ocwen loan servicing but i could not make payments on the Loan because they lost my mortgage modification papers twice after approving them .by the time they finally fixed my loan the loan was kicked off by their system.they closed the loan and said and put in my credit report that loan was charged off as a bad debt. they actually sold the loan to another company and I am actually paying on the loan .Ocwen loan servicing  has committed an act of fraud against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never missed a payment and have always paid before the next payment was due. There is no where on the statement that states BMW reports on a rolling 30 day reporting. 
XX/XX/2019 was paid XX/XX/2019 XX/XX/2019 was paid XX/XX/2019 I was reported 30 days late for my XX/XX/2019 auto payment on XX/XX/2019 and I couldn't understand what happened. I disputed it and it came back no change. On XX/XX/2019 paying my XX/XX/2019 and was told that I was already reported to the credit bureau as being late because they reported on a rolling 30 days and not month to month. I called back and spoke with another representative who told me the same thing and that I should read my statement and it states that BMW reports on a rolling. I read my statement and it doesn't read as such. I am disputing the two times late payments with BMW.

If they are reporting on a rolling 30 days it should clearly state such.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I have found two fraudulent accounts that were opened, these accounts are XXXX  with the account number XXXX opened on XX/XX/year> and XXXX XXXX with the account number XXXX opened on XX/XX/year>, please remove them from my credit report, as they are fraudulent.
Product: Debt collection

I first visited The USA in XXXX for education purposes. l applied for an SSN and got it. I stayed for a while and then returned to my country. Right now I have been living in The USA since XXXX. I am a US citizen. I visited the USA for vacation and trade purposes several times between XXXX and XXXX. But I never applied for any credit card, personal or student loan during this time. The current situation is I am being called and receiving mail Law firm about a debt. I have no idea what debt they are talking about. I do not know what I need to do. I received the first mail in XXXX from the Law office. Between XXXX and XXXX no one called me about this issue. Now They started calling me again. 
For your information
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act account # 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
Product: Credit card or prepaid card

I applied for a Citi / AAdvantage Platinum Select World Elite Mastercard on XX/XX/XXXX. The application system said that, if approved, I would receive a temporary card number to use the card. I got approved but never received the temporary card number because of a glitch in Citi 's system. 

I called Citi, and the customer service representatives confirmed it was a glitch. Citi mentioned ( on a recorded line ) that new cardholders are not getting temporary card numbers, that they have IT checking the issue, and that for me to use ( or cancel ) the card, I would have to wait for the actual card to arrive, which would take from 7 to 10 days. I got this card because of a promotional offer ( a {$250.00} statement credit ) to buy American Airlines plane tickets, and waiting for seven days would defeat the whole purpose ( as prices would increase ). 

Their current system is deceiving and ( in its current state ) lies about how they conduct business practices. I believe, from their admission on a recorded line, that this issue has happened more than once and as such could be considered deceiving business practices.
Product: Vehicle loan or lease

Spoke with the company about title and lian release XX/XX/year>. They said the title and lein was mailed but I never received it. Asked again on XX/XX/year> still haven't sent verification of lien release. As of XX/XX/year>. Request release again on XX/XX/year> XXXX
Product: Mortgage

I purchased a new home and the loan servicing is being provided by PNC Bank. 

I was only able to put down 10 % to close on this home because I had to close on my existing home. My existing home closed and I was ready to put another 10 % down on this home. However, my loan was sold and in limbo for a few weeks. 

Once I received information on how to contact PNC, I contacted them in late XXXX. However, they told me they could not help me until after XXXX. I called back around XXXX asking how I get online access to may a principle payment. They needed to mail me a PIN. After about a week, I called back because I had not received it. After much back and forth, I finally got access because they were able to give me a PIN on the telephone call. Why was that not offered the first time? 

After I got online access, I did not see a way to make a principle payment. After speaking with someone, that option is only available to those consumers with a deposit account with PNC and not something I can do with just a mortgage. Why does PNC prohibit a principle payment option to any mortgage customer? The principle payment is for mortgage customers. Why do I need additional relationships with PNC to have this functionality? 

In mid XXXX was able to make additional payments to PNC to bring my loan balance under the 80 % threshold. Now, on XX/XX/XXXX, they tell me they still have not completed a review of my account to have the PMI removed. 

PMI is something that is absolutely necessary. However, the removal process should be simple and easy for consumers. No one should have to jump through hoops and wait weeks for a review. It is unacceptable PNC Bank makes it hard to get online access, make principle payments and have such a delay from request to decision.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the collection account reported by XXXX XXXX XXXX on my credit report. Under the provisions of the Gramm-Leach-Bliley Act ( 15 USC 6802 ), financial institutions and debt collectors are required to maintain strict standards for safeguarding personal information and ensuring accuracy when reporting to credit bureaus. XXXX XXXX XXXX has failed to demonstrate sufficient proof of both the legitimacy and accuracy of this debt, and I believe that the collection account is being reported in violation of these protections. 
As per 15 USC 6802, any entity that reports or transmits consumer data is bound to follow appropriate procedures for ensuring the accuracy of such information. Given that XXXX XXXX XXXX has not provided verifiable documentation or clear evidence of this debt being valid, I am requesting that this item be removed from my credit report due to the lack of sufficient proof supporting its accuracy and legitimacy. 
Please conduct a thorough investigation and remove this collection account from my credit file, as it appears to be in violation of federal consumer protection laws.
Product: Credit reporting or other personal consumer reports

Late Payment Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XX/XX/XXXX Dear Experian, XXXX XXXX XXXX XXXX : Late Payment Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XX/XX/XXXX Dear XXXX XXXX XXXX, Experian Re : Below Late Payment Dispute Letter XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX XX/XX/XXXX XXXX XX/XX/XXXX Dear XXXX Re : Account Name and Number Below is an account that is being adversely reported on my credit report. A review of my records has shown that this creditor was Double Billing me during the time they are reporting I was late. 
XXXX XXXX XXXX Please investigate this creditor immediately as this item is most definitely being reported inaccurately and should be removed from my account. 
Further I will be asking the creditor directly for documentation relating to the details of my pay history with them as they are required to provide per the Fair Billing Act. 
Please investigate and remove this item from my credit history as I know the creditor can not accurately verify this information as it is incorrect. Please contact me with any questions. 
Thank you, Thank you for your time, XXXX XXXX XXXX is an account that is being adversely reported on my credit report. A review of my records has shown that this creditor was Double Billing me during the time they are reporting I was late. 
XXXX XXXX XXXX  Please investigate this creditor immediately as this item is most definitely being reported inaccurately and should be removed from my account. 
Further I will be asking the creditor directly for documentation relating to the details of my pay history with them as they are required to provide per the Fair Billing Act. 
Please investigate and remove this item from my credit history as I know the creditor can not accurately verify this information as it is incorrect. Please contact me with any questions. 
Thank you, Thank you for your time, XXXX XXXX XXXX Below is an account that is being adversely reported on my credit report. A review of my records has shown that this creditor was Double Billing me during the time they are reporting I was late. 
XXXX XXXX XXXX Please investigate this creditor immediately as this item is most definitely being reported inaccurately and should be removed from my account. 
Further I will be asking the creditor directly for documentation relating to the details of my pay history with them as they are required to provide per the Fair Billing Act. 
Please investigate and remove this item from my credit history as I know the creditor can not accurately verify this information as it is incorrect. Please contact me with any questions. 
Thank you, Thank you for your time, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance Corp reported my payment 30 days late in the month of XXXX and XXXX although the payment was paid in XXXX and XXXX. 

This inaccuracy in reporting is damaging the credibility with other lenders. 

Credit Acceptance own internal reporting does not indicate that the payment is late, nor do they assess a late fee for the period in which they insist was delinquent. 

They refuse to fix the issue by contacting the three main credit bureaus to report the error. 

Credit Acceptance is a predatory lender that is taking advantage of individuals attempting to establish or rebuild their credit.
Product: Credit card

I signed up for a {$2000.00} limit for XXXX rewards Chase credit card. I had a medical emergency that rendered me unable to use my items or belongings for about XXXX months. During that time my accounts had underwent some malicious form of attacks to both my personal Chase credit card account and my linked one at the time, My XXXX XXXX banking XXXX XXXX  XXXX account, now there were wire attempts and im talking XXXX text messages from XXXX and XXXX XXXX XXXX on payments and returns from one another. I only happened to notice it when i turned on my phone and it exploded with messages that my account had been compromised as it looked .... I called XXXX XXXX  XXXX and they confirmed that my account had been comrpomised and advised me to cancel my account and to make a new one, i made one under MY WAY banking. Chase did not take my considerations seriously. tthey brushed me off multiple times. Cancelled my card, made my balance go from 2000 to over {$4100.00}! 
I can not take any more of this stress as their support people are very unprofessional and rude.
Product: Credit card

I got a new credit card. On this card I get XXXX charge at a XXXX station in TN. On the date it posted, I was no where close to that state. I then sent my dispute on this credit card to Chase. After 3 months, they inform me that my dispute is denied because they said that a person had the credit card physically there and used it. I have several people that can testify that I was no where near that state on that date. What do i do about them still trying to charge me?
Product: Payday loan, title loan, or personal loan

In XX/XX/2021 I visited the Cash 1 store on XXXX  and XXXX to refinance my loan which I had done at XXXX  and XXXX XXXX a month or so before. During my visit to the XXXX store I told the Representative to make my payment date for the XXXX, like the previous store. The Representative said ok no problem. Well they didn't do as asked Apparently. So on XX/XX/XXXX my daughter gets a text message and I get a email stating the payment was coming out of my account on XX/XX/2021. I also specifically ask to have a 6 month term as the Representative said they could do. I called to find out why they were requesting my payment on the XXXX that it was due on the XXXX. The man that represented himself as the Store manager his name is XXXX. He stated he could not change the due date, and he wanted my bank statement to prove when I got paid my Social Security and Pension payment from my deceased husband that I receive monthly. My daughter was listening and said mom they are asking for that information because they are trying to make you sign a new contract. If my daughter wasn't there and works as a Loan Specialist for a very large financial institution, I would have done it, which in turn would start my loan all over again, which means I pay alot more in interest. This company has you express sign electronically in front of them off your phone. It has you check off on boxes for consent. They don't go over all the information with you to make sure everything in correct like loan term, payment date, interest rate etc. So here I am thinking and trusting in there practices. Boy was I wrong. The store manager as he called himself absolutely refused to change my payment date and tried to get me to sign another express loan agreement. He was rude, very unprofessional. Im a XXXX year old women and was told by XXXX to stop cussing. I was applauded. I don't use curse words and when I asked what he was talking about, he stated back to me well you almost did. Wow unbelievable. This company is taking advantage of the elderly by trying to get them to sign new contacts to increase their paybacks in interest. And abusing the elderly/ myself with accusations. Again if my daughter wasn't listening to what was going on over the phone they would have got me. I just was trying to get corrected their mistakes on my payment date. And they put me on a 7 month contact, instead of a 6 month as they stated they could due, and agreed too. I hope by writing this complaint to the CFBP they will change how they conduct business and treat people in general, and that they will make my contact a 6 month original term and the payment date of the XXXX each month. I was always paid my loans on time, paid them off be for they came to term, etc. Please help me resolve this situation. 
Best Regards, XXXX
Product: Credit card or prepaid card

I was denied a credit card with American Express on XX/XX/XXXX ref #  XXXX I was denied due to an acct opened in XX/XX/XXXX and cancelled in XX/XX/XXXX for bankruptcy. That was 17 years ago. American Express says it will issue me a new card if I repay the XXXX XXXX dollars relieved through XXXX XXXX bankruptcy court. I believe this is both illegal and discriminatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them on XX/XX/XXXX. Although they signed for my letter, I received no response stating how this information was verified. I then mailed a second letter mentioning the non-response, ( signed and received on XX/XX/XXXX ), asking them to prove to me how this was verified. I have yet to receive a response. I contacted all of the collectors listed on my report requesting them to Validate this erroneous information. Again, I received no response. If I personally haven't received a response as the person who 'owes ' the debt, I'm highly doubt they were able to prove it to the bureaus. I have given well over the original 30 days to respond regarding my dispute verification with no proof in sight. How is it possible for them to continue reporting clearly unverified, invalidated, and inaccurate information to my credit report?