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

I took out this loan in early 2023, yes I read the contract, and conditions, and knew this would be a high interest loan, I was in a bind, and needed to move, so I bit the bullet, only because I intended on paying the loan off early to avoid interest, and penalties. I was never late, never missed a payment, never called these people about anything. XXXX of XXXX I received an annual bonus from my employer, and paid the loan completely off, and then I asked that my account be closed. To date, I can not get in touch with these people to correct my credit report, and update my balance to zero even though I have a receipt. I you do not have an open account it sends you in a loop, and you never get to speak with a live agent. So I emailed them, and they stated I needed proof, and which I attached the payoff receipt. I submitted a dispute to the two credit bureaus they report to, and it seems they are being uncooperative. I paid off this loan, and now I am receiving no cooperation updating this loan balance, which is impacting my debt to income ratio.
Product: Mortgage

When PHH MORTGAGE took over our loan from OCWEN last year, I set our mortgage payments up on auto draft so there would never be any problem with this company getting our payment on time. THEY cancelled my auto draft stating that we were not allowed to do that. The reason they gave was that we were under Chapter XXXX bankruptcy. They charged me a {$7.00} fee to make my payment that month and I had NO CHOICE to pay it because I HAVE NEVER made a late payment on this loan, ever. Since then, I have made all my payments for free online every month. I just went on their website to make a payment and now they are automatically charging me that {$7.00} fee to MAKE MY OWN PAYMENT ONLINE! HOW IS THIS FAIR??????? They refuse to take my auto draft payment and are now charging me a fee every month to make my mortgage payment. I have tried to refinance this loan but NO ONE will take our loan because the balance on it is under {$100000.00}. HELP ME PLEASE???????? This predatory lender has us bent over a barrel. I am unemployed and we are barely making it through these COVID-19 times but we ALWAYS make our mortgage payment and have NEVER MISSED IT. How can they keep punishing us like this for paying our bills in full and on time every month? What are we supposed to do?? THIS IS WRONG!!!!! Please, please help us???
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau, After reviewing my credit report, XXXX noticed multiple credit inquiries were made as follows : XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I did not authorize these inquiries and therefore I am requesting that these inquiries be removed from my credit report. 
These inquiries were made WITHOUT my knowledge. 
Please remove these inquiries from my credit report and send me an updated copy once it has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is fraudulently being reported on my XXXX and damaging my score.
Product: Money transfer, virtual currency, or money service

I moved from MA to ME and had every XXXX to my name in Venmo as that's how we were paying the deposit for the land we purchased. Venmo froze my account on Saturday, XX/XX/2024. I have been on the phone with them numerous times, provided all documentation and done everything asked. It is now Wednesday XX/XX/2024 and they have yet to unfreeze my money. My family has no food, no shelter, no gas, NOTHING! I keep being told a member of the " back office '' just needs to review my case and unfreeze my account. I keep being told 3-5 business days, but we will not survive that long. I have never dealt with such unreal circumstances trying to access MY money! I have used them for years with no issues. My family is suffering hard because the back office doesn't want to press a button and release my money.
Product: Vehicle loan or lease

To whom it may concern : I sold a XXXX XXXX XXXX to XXXX in XX/XX/2022. If I had owed you money on the vehicle, how would they be able to receive the title and sell the car if I didn't pay this loan completely off. you received over {$27000.00} for a {$14000.00} loan and still trying to get more, and I will not be paying it. I would like you to remove this account from my credit report immediately, or I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies, including the FTC and my state attorney general.
Product: Checking or savings account

PNC bank issued me 2pin number for same debit card discriminated against me then closed my XXXX bank account with them 2diffrent pin numbers for the debit card and wouldn't correct the problem declined transactions everwhere
Product: Credit card or prepaid card

The attached documents describe best my dispute with Bank of America. In summary, I was the victim of fraud while visiting XXXX in XXXXXXXX XXXX. I am evidently not the only one. See attachments. My Bank of America MasterCard was used, without my consent, to charge me US {$1200.00} for about US {$65.00} ( Mexican {$1200.00} ) worth of gasoline at a XXXX gasoline station. B of A also charged me {$38.00} foreign transaction fees. I advised B of A immediately of the error while the charge was still " pending '' on my electronic statement and instructed the bank to halt payment. B of A refused. At first I thought the charge was merely an error, but it is now clear to me that I was the victim of a fraudulent and unauthorized use of my MasterCard. See attachment XXXX XXXX describing similar frauds perpetrated at what appears to be the same XXXX gasoline station ( on the way to the XXXX XXXX XXXX airport ) at which I was defrauded. 

Now B of A demands that I pay the full amount, even though I never authorized a charge of US {$1200.00} to my credit card and actually instructed the bank not to pay the " pending '' charge. As I describe in the attached documents, I was told at a XXXX gasoline station that the attendant was using my credit card to charge me {$1200.00} ( Mexican Pesos ) for gasoline. The symbol " $ '' is used in XXXX to represent Mexican Pesos. In fact, it turns out that the attendant used my card to charge US {$1200.00} to my account. 

Details of the events, my efforts to get B of A to reverse the improper charges, and my discovery of very similar fraudulent charges at the XXXX station are to be found in the attached documents. Those documents include my correspondence with B of A, my sworn affidavit, and materials in which other US visitors to XXXX XXXX XXXX and its airport have described similar fraudulent transactions with merchants using similar designators as were used to steal money from me.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

15 U.S.C. 1681s-2 ( b ) 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) 1681i ( a ) ( 5 ) ( A ) ( Can not verify must delete ) 1681s-2 ( a ) ( 1 ) ( A ) ( Reporting incorrect information ) 1681s-2 ( b ) ( Failure to verify in dispute process )
Product: Payday loan, title loan, personal loan, or advance loan

A few weeks ago, my checking account was compromised. I informed today cash and told the supervisor that I had to close my checking account and am in the process of securing a new account. I told her that once I was able to open a new account, I would contact them and resume my regular payments. The supervisor told me not to worry as my payment history up to this time was great and that she would notated my account. Today, I get an email stating that in 10 days that they are going to garnish my wages and that I owe over a XXXX dollars since XX/XX/XXXX. Not only was my account not notated as promised, but under NO CIRCUMSTANCES DO I GIVE PERMISSION FOR MY EMPLOYER TO BE CONTACTED AND MY WAGES BE GARNISHED!!, CONSIDER EVERYTHING REVOKED!! Again, once I'm able to get a new account, payments will resume at my regular rate!! Thank you for your assistance!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Am being changed for using an app.
Product: Checking or savings account

On XX/XX/2019 I entered into a contract with XXXX XXXX XXXX, who was illegally presenting himself as a licensed MN Contractor, under the fraudulent heading which stated " # XXXX XXXX XXXX. '' I did not know that he wasn't licensed at the time. I gave him a down payment check, from my Wells Fargo checking account, in the amount of {$8800.00}. He immediately went to the nearest Wells Fargo and cashed the check. Wells Fargo failed to fingerprint him when they dispersed the funds to XXXX. Months later I realized that XXXX was not going to perform his duties. I reported the case to the State of Minnesota Department of Labor and Industry. I am attaching the signed letter that I received from the Department of Labor and Industry, which describes the fraud in detail. You will notice on the letter that the Dept of Labor and Industry is fining XXXX in the amount of {$10000.00}. What XXXX did was illegal felony fraud. I reported the issue to Wells Fargo in an attempt to be reimbursed, however, Wells Fargo would not reimburse me, even though it was felony fraud. According to Minnesota law, fraud in the amount of {$500.00} or more is a felony.
Product: Student loan

Currently owe {$39000.00} in student loan debt for my son 's education. Requested deferment several times due to financial hardship. While the loan was in deferment a few times, interest continued to accrue. This account has been with XXXX/Navient since XXXX. Payments have been made on a consistent basis for several years now and we have only paid off {$1000.00} in principal in the year XXXX. This is outrageous and we have been taken advantage of. The current monthly payment is $ XXXX
Product: Student loan

I have been making electronic check payments to Navient. It takes about 5 days before they are posted. They do n't give a confirmation number when you submit them. In addition, there does n't seem to be any customer service contact number.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Debt Collection Practices by TrueAccord Corp . 



Dear CFPB and FTC, I am writing to formally dispute the actions of TrueAccord Corp. regarding their attempts to collect an alleged debt of {$630.00}. Their communication included the following details : * TrueAccord XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have reason to believe the debt is invalid and request an immediate investigation into this matter. Specifically : 1. Debt Validation : I have not received sufficient documentation to verify the legitimacy of this debt or to confirm that it belongs to me.

2. Cease and Desist : The repeated communications and tone of urgency appear to constitute harassment. I request that TrueAccord immediately cease all forms of contact with me, including phone calls, emails, or letters, in accordance with the Fair Debt Collection Practices Act ( FDCPA ).

3. Damages and Harassment : TrueAccord 's practices have caused undue stress and disruption to my life. Their communication appears to violate FDCPA regulations prohibiting harassment, threats, or the use of deceptive practices.

Requested Action : I request the CFPB 's assistance in : 1. Investigating TrueAccord 's collection practices to determine compliance with federal regulations.

2. Providing mediation and enforcement to ensure my rights under the FDCPA are upheld.

3. Exploring the possibility of pursuing legal damages for harassment and non-compliance.

Additionally, I am requesting that TrueAccord provide the following : * Full validation of the debt, including the original creditor, itemized amounts, and proof of my responsibility.

* A formal acknowledgment of this cease-and-desist request.

Attached to this letter is the communication I received from TrueAccord for reference. I appreciate your prompt attention to this matter and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not satisfied with the result I got from my TransUnion report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for these items to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have these items removed or have anyone from TransUnion contact me about the status of my concern. Here are the items that I am trying to dispute : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

BBT never sent paper bill for a credit card that had a {$100.00} balance. We then never rec 'd a phone call from them either stating that we were past due. Account balance has been paid off since beginning of XXXX and they have refunded late charges. Credit card has a credit on it. It caused our credit scores to drop 100 points for both my husband and myself. I have tried multiple time to talk to them about it and have filed disputes with all credit bureaus. They are continuing to report that we have a balance on the card even after refunding our late charges. They reported this info to the credit bureaus during a pandemic in XXXX for a XXXX $ overdue charge that we knew nothing about. This card hasn't had a balance in months, but has a {$13000.00} limit. When I questioned BBT on why no one had called us, no one could answer. We checked the contact numbers and they had incorrect ones from years ago. They have ruined our ability to be able to refinance our home and haven't been willing to to work with us. Both my husband and I have always had perfect credit scores and this card is paid off. We would appreciate BBT doing the right thing and taking this info off of our credit, admitting their wrong doing ( as is evident from the refund of the late fees ) and showing that this balance has been paid off for weeks now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with Experian and XXXX  sinceXX/XX/XXXX in regards to removing unverified information on my credit report. 
As you can see with the XXXX letter attached they have removed the bankruptcy off of the report because it is not verifiable. With that said XXXX  and Experian needs to remove this Bankruptcy ASAP due to the fact I been dealing with this since XX/XX/XXXX with numerous dispute letters and also prior disputes with CFPB. 
See below : Well I took it upon myself to write to the Pennsylvania and Maryland Bankruptcy court on XX/XX/XXXXasking if Experian and all other Credit Bureau 's have notified them to verify my information that is on my credit report. On XX/XX/XXXX I received a letter back from the PA Bankruptcy court stating that they DO NOT verify information. I sent this letter to Experian and to the additional credit bureau 's asking them to remove the information off of my credit report. Experian sends me a letter stating that the information has been verified but the Bankruptcy states that they DO NOT verify information. EXPERIAN never verified the information and they do not want to do there job as to removing inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I had a mortgage with XXXX XXXX of which I was in an approved forbearance program due to COVID and my complete loss of income. My accounts all shut down on XX/XX/XXXX and I had been in contact with XXXX immediately about my loss of income and signed into their deferment program of which it took several months to receive the paperwork from them. They informed me under the current law I was abIe to defer monthly, which i did from the the first month covid hit me. I was told to wait for their paperwork to fill out but needed to put in an application with them. I did so and was approved for forbearance with a first payment due on XX/XX/2020. I ended up selling my house and sold it XXXX under appraised value to move on from this nightmare and get them paid and save my credit. I satisfied them 100 % on XX/XX/2020. Ist payment of the new forbearance was XX/XX/XXXX. 
Today, XX/XX/XXXX, not on my credit but on my wife 's credit report it shows a 120 day delinquency from XXXX XXXX, posted on XX/XX/XXXX, which will now affect us on our current mortgage application and I will not be able to get the interest rates we deserve and worked so hard to retain. We went from a 6600 sq ft house to a 12x10 room to save our credit and now we have this to deal with at almost XXXX, and not due to my own fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Lost my debit card and was charged a overdraft fee but I didnt use the account so I never noticed it was closed or used as I didnt keep much money in that account. Well it was closed and sent to XXXX XXXX saying I owe. I paid in full with the acknowledgment it would be deleted from XXXX XXXX XXXX  once paid in full. so not only is it not my account I also paid the account and its still showing up which is hindering me from opening a new bank account.
Product: Credit reporting or other personal consumer reports

RE XXXX XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

I fell victim to a XXXX scam on XX/XX/XXXXXXXX A tree fell on my family 's house, and we were working with a contractor we did not know to clear it. After he left with checks, he began e-mailing that he could not cash them, and asked if we could pay via XXXX. This was because the real contractor 's e-mail had been hacked. We lost {$3500.00} to this scam. 

We realized we'd been scammed on XXXX XXXX, and immediately contacting Bank of America. We also filed a police report that day. 

On XX/XX/XXXXXXXX Bank of America notified me via letter and e-mail that they could not cover the claim. 

My understanding is that under Regulation E of the Electronic Fund Transfer Act, Bank of America does have to cover the claim because the transaction was obtained fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX loan depot called ask me about refinancing I told him he could give me certain info but do not run a credit inquiry he said he wouldn't I didn't give him my social said he had it from XX/XX/2016 plus he talked to my wife not me I'm XXXX.i gave no permission hope they recorded the conversation cause my wife also told them not to wrong a report very upset at this point
Product: Credit reporting or other personal consumer reports

I am a victim of fraudulent information reporting and I am filing this complaint to ALLY CREDIT CARD. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit records that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. 

Capital One Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX
Product: Debt collection

This company AllianceONE is non stop calling me and others they found numbers to that are related to me and they were sending the debt " owed '' to a address that does not exists. Once I contacted them I gave them the CALIFORNIA address and they conned my mother into paying. ( I DO NOT RESIDE IN CALIFORNIA ) All while I had the ticket and all documents submitted to the court house showing my hardship and my health condition. Once again they started harassing me saying I " owe '' more debt. The employees are rude and tell me I HAVE NO OPTIONS literally saying TOO BAD I HAVE NO CHOICE BUT TO PAY. I already suffer from XXXX and XXXX  and these company is SERIOUSLY THREATENING my health even more. I not only reside in a different state, but them threatening to take my license, send me to collection, BASICALLY telling me they dont care and my HEALTH doctors appointments and COVID are beyond cruel and inhuman. This is abuse.