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

On XXXX XXXX, XXXX I sent Prosper a voided check to change a bank account that was closed to fraud. I had notified Prosper to make the changes and set up the payment for the XXXX. Prosper failed to set the auto payments on and did n't reach out to me via mail. I have not received a letter, but rather a notification from the credit reporting company. They reported my loan late and never bother contacting me until I reviewed my records over the week. I have a lot of bills and to notice that a loan agency failed to make corrections. I called them up today and made the past due payments. They failed to offer a discount on the due amount, even other banks gave late fee waivers due to the natural disaster that affected XXXX County, Florida during the hurricanes. The customer service was untrained at handling the situation, they did n't understand the difference between a manual payment and an auto-payment when I told them I wanted to ensure auto-payment was still on. They assessed a late fee to my account and reported my account to the credit reporting agencies. 



Loan To Collections XXXX XXXX XXXX User Received Message A message was sent to you. Subject : Your Attention Needed : Payment Past Due. View message. XXXX XXXXXXXX XXXX User Received Message A message was sent to you. Subject : Payment past due. View message. XXXX XXXX XXXX User Received Message A message was sent to you. Subject : Payment past due. View message. XXXX XXXXXXXX XXXX Account Set Bank Account As Primary XXXX XXXXXXXX XXXX User Received Message A message was sent to you. Subject : Primary bank account changed. View message. XXXX XXXXXXXX XXXX Account Bank Account Added XXXX XXXXXXXX XXXX User Received Message A message was sent to you. Subject : Bank account added. View message. XXXX XXXXXXXX XXXX User Received Message A message was sent to you. Subject : AutoPay has been turned off. View message. XXXX XXXXXXXX XXXX Loan Ach Payment Settings Edited The ACH payment settings on Loan # XXXX have been edited. New payment setting is : Manual. XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

There are ( XXXX ) Financial Institutions reporting accounts in direct violation of FCRA Section 6802 ( a ) Except as otherwise provided in subchapter a financial institution may not, directly through any affiliate disclose to a non affiliated third party any non public personal information, unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of this title ( b ) the consumer is given the opportunity before the time that such time information not be disclosed to such third party, and ( c the consumer given an explanation of how consumer can excercise that non disclosure option by reporting negative information without notification and consent of the consumer. 
These ( XXXX ) financial institutions failed to inform principal that it would be reporting principals non public personal information to a third party and failed to get Principals Permissable Purpose. 15 USC 1681 ( a ) ( XXXX ) Exclusions Except as provided in paragraph ( XXXX ) the term consumer does not include ( i ) reporting containing information solely as to transactions and experiences between the consumer and the person making the report. Remove the ( XXXX ) listed accounts from my consumer file. 
XXXX ) XXXX XXXX # XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX # XXXX XXXX ) XXXX # XXXX. 
In advance any accounts listed that are not removed/deleted I am requesting in this dispute a Description of the Procedures used to verify in accordance with FCRA 1681i ( 7 ) / FCRA 611 ( a ) ( B ) ( 6 ) ( iii ).
Product: Debt collection

I lost my job, my home, transportation EVERYTHING due to COVID 19! I just started working again in XXXX of 2020. I did not receive ANYTHING about this collection. I could not get to the gym to work out anymore nor could I afford to so I allowed the account to close due to no employment! I still have yet to collect stimulus funds! I never got my full unemployment benefits! I have struggled for months trying to get my credit up only for it to drop because I LOST EVERYTHING! I had a XXXX in XXXX! Look at it now! Because COVID 19 ruined my life!!!!! Yes I am still alive but I should not have to pay a debt I didnt know about because I couldnt even use the services! Please someone help me!!!!
Product: Credit reporting or other personal consumer reports

Information on my credit is inaccurate I did not authorize these companies to run my credit I sent letters to XXXX and Equifax XXXX regarding the issue to run their investigation still these items remain
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and a hard inquiry popped up saying that him something about XXXX XXXX XXXX XXXX and I dont know anything about that I didnt agree on that so I will like this remove from my credit karma XXXX report I talk with XXXX XXXX  and they said they have no information also I spoken with XXXX  they tells me to call the police and credit karma is not helpful at all
Product: Debt collection

Van Ru Credit Corporation has been continually attempting to collect a debt on behalf of a medical bill based on services that were not properly documented by a hospital outside of my primary provider 's network. This matter was resolved with the provider  (   XXXX   XXXX   XXXX   ),  and the external provider was notified of the proper documentation and billing procedures for these services. I have a recorded phone call conversation between myself, my primary provider  (   XXXX   XXXX   ) , and  XXXX , where all parties involved acknowledged next steps to take ( in the form of a resolution between  XXXX  and  XXXX  ).  XXXX  is required to submit new information, including documented medical codes ( this is at the root of the billing issue  ) so tha t the claim can be properly processed. I should no longer be involved in the claims process, other than to be alerted of a resolution. That conversation took place  XX/XX/XXXX . I have experienced continual harassment in the form of collection letters and phone calls since the time the services were rendered-that was in  XX/XX/XXXX . I have sent a number of letters to the parties attempting to collect debt, and have documentation verifying that these letters were received.
Product: Mortgage

We asked Well Fargo to Lower our Interest rate on our Mortgage as we were having a difficult time paying the mortgage when my husband lost his job. The Interest rates had decreased and we did not want to lose our property. At that time we were both XXXX XXXX XXXX and in the throws of the Great Recession and we both lost our jobs. We submitted and resubmitted the papers required at least 3 times. Afterwards they rejected our request and was told to GET A JOB. 

We Finally had to short sale our property in XXXX XXXX, XXXX. Which ironically was sold to the President of the HOA affiliated with our Development. 

To be degraded by Well Fargo as senior citizens was as devastating as losing our Property.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I hired XXXX  ( an heating and air company ) to inspect my two HVAC systems. The service charge was {$78.00} for the inspection. Their technician indicated that I also needed a new fan motor which was an additional {$500.00} charge. I never received the motor or service although I did follow up with this company to find out why. The last response that I received was that they were checking with their parts department, but I was never re-contacted. Based upon this failure, I contacted my Credit Card Issuer ( Well FARGO BANK ), and requested a dispute .be placed against this merchant for the {$500.00} charge. I further stated that the {$78.00} part of the charge was appropriate. I was told by the WFB employee that the charge was being put on hold pending resolution ( CC. # ending in XXXX ). 
I received my next billing statement in XXXX, XXXX indicating that the bank had switch the credited amount from {$500.00} to {$78.00}, and that I owed a balance of {$420.00}. After speaking with a manager in WF Credit Card Dept, I sent documentations to them ( ( dispute file # XXXX ). The manager stated that in any transaction, that only one disputed was allowed. He further indicated that XXXX  had not responded to their initial inquiry. In my letter to WFB 's CC Dept sent 0n XX/XX/XXXX, I included XXXX invoice ; the previous CC statement showing my withholding of {$500.00} ; and a copy of the charge showing a balance of $ XXXX also pointed out that their voice prompt indicates that calls to their department are recorded and a review will show that their employee mistakenly switch the disputed amount.. As of this date they are still showing a balance on my most recent statement. The Bank has not re-contacted me over the past month about this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was approve for a XXXX about two years ago. I was late one time back in XX/XX/2019. However, because I have auto draft setup, as a condition for loan approval. I was not notified until I had an alert from my credit report. I call and received no assistance and no one could explained why the payment was not drafted as agreed. However, over the last year or so, the lender keeps reporting late payments on and off. I have bank statements showing that the auto pay is drafted each month on time since XX/XX/2019. My credit score dropped from the mid 700 to below 600 because of this lenders actions. I attempted to get a loan to pay this lender off. However, because they periodically report late payments, I can't get a personal loan, business loan, car or house.
Product: Debt collection

They called here XXXX XXXX minutes apart from each other.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I contacted the collection agency ( XXXX ) who is handeling a charged off credit card-Cash rewards card for Navy FCU. I spoke with the representative with XXXX and set up a settlement and made payment according to the settlement agreement in full. I was todl there was a delay in sending the correct information to Navy FCU to update my credit report as such. I've contact both companies Navy FCU and XXXX  and I am constantly told my profile will be updated within 30 days and talk to the other company. It has been over 60 days and I am still being reported as delinquent with a balanced owed. I have disputed this information with the credit bureaus and the same informaiton is being reported. If an agreement of settled in full was reached the account should be updated as settled in full zero balance
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This debt was paid in full, yet this went on my credit report after the fact. Or Im seeing it after the fact. Im asking it to be removed from all credit reports involved. XXXX, XXXX and XXXX for all parties involved.
Product: Credit reporting or other personal consumer reports

The Address information listed below are reported on my personal credit file and were found in my report with EQUIFAX credit reporting agencies. These Address information were opened fraudulently. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I was informed title was released and sent to me on XX/XX/XXXX. As of XXXX XXXX, XXXX no title arrived. 
I went to DMV and ordered replacement title. Can you please reimburse the {$50.00} charge. Important documents, such as titles, should be sent with tracking information. 
Documents such as these need to be sent with tracking info. Wells Fargo can not provide tracking info
Product: Mortgage

My wife and I applied, and we agreed on the terms. They told us we would close in XXXX, XXXX. Then, they delayed the closing without telling us why. Then they asked us for additional info which we furnished. Then they changed the terms again. Then they asked for more info, which we could not furnish ; including XXXX Tax Returns ( which were not available. ) Then they changed the terms again. Bait and switch. Bait and switch. Bait and switch, again and again.
Product: Debt collection

My credit report is showing an account with EQUIANT FINANCIAL SVCS which was opened on XX/XX/XXXX and last reported on XX/XX/XXXX with a balance of {$2900.00}. I have repeatedly disputed this with the company, but they refuse to comply. I have never heard of this company. I have never had an account or an agreement with this company. I do not owe this debt. 
This has seriously hurt my ability to obtain new credit, vehicle and/or a mortgage loan. It has been a detriment to my financial credibility.
Product: Vehicle loan or lease

*Buring the duration of the loan i was not sent remittance papers to remitt my bill. * Every month payments were made using FRNs which is not sufficent payment. It states that the Car was bought using CREDIT..Not cash!. No FRNs ( federal reserve notes ) were given nor received during the finalizing of the deal ( I WAS TO BE PAID A CHECK DURING THE DEAL AS WELL ), An Frn is not of equal of value to the car ( collateral ) NO MATTER THE AMOUNT APPLIED FOR.. therefore all payments made during the duration of the loan shall be sent back to the CREDITOR ( XXXX XXXX XXXX account. FRAUD HAS OCCURED. IT STATES IN BOLD LETTERS OF THE CONTRACT THAT THIS IS A " CONSUMER CREDIT SALE '' ..NOT USING MONEY BUT CREDIT! THEREFORE IT MAKES ME THE CREDITOR/BUYER OF THE VEHICLE AND THE BANK THE BORROWER.GATEWAY FINANCIAL SOLUTIONS IS CONDUCTING SECURITIES FRAUD AND HAS REPOSSED THE VEHICLE FOR NO REASON. THE CAR AND THE MONEY HAS TO BE REFUNDED AS WELL AS AMENDMENTS TO THE CONTRACT SHALL BE MADE. I STILL HAVE EQUITABLE INTEREST IN THE LOAN AS WELL AS THE VEHICLE. * I SIGNED THE CONTRACT! THEREFORE CHANGES CAN AND WILL BE MADE. * IT ALSO STATES IN THE DOCUMENTS THAT A CASH DOWN PAYMENT OCCURED WHICH IS ANOTHER LIE TOLD BY XXXX XXXX AND THE FINANCE DEPARTMENT. THAT IS AGAINST THE LAW FOR A CASH TRANSACTION TO HAPPEN DURING A CONSUMER CREDIT SALE. FRAUD HAS YET AGAIN BEEN ATTEMPTED. I TRADED MY XXXX XXXX FOR THE XXXX XXXX. NO CASH WAS INVOLVED!! REFUNDS SHOULD BE SENT TO MY ACCOUNT FOR ALL PAYMENTS MADE DURING THE LOAN DURATION. I WILL CITE ALL UCC FILINGS IN MY NEXT COMPLAINT! WITH ALL VIOLATIONS.
Product: Credit reporting or other personal consumer reports

I am writing to urgently dispute several unauthorized and invalid hard inquiries that have appeared on my credit report. Upon reviewing my recent credit report from your agency, I was deeply concerned to find these inquiries, none of which I have authorized or consented to :
Product: Checking or savings account

I am writing to bring to your attention a concerning issue regarding unauthorized ATM withdrawals from my bank account, as well as the subsequent denial of my claim by Chase Bank. I kindly request your assistance in resolving this matter and seeking a fair resolution. 

On XX/XX/XXXX, I discovered several unauthorized ATM withdrawals totaling {$4200.00} from my bank account. These withdrawals were made in increments of {$200.00}, which is not consistent with my banking habits. Recognizing this as fraudulent activity, I immediately reported the incident to the fraud department at Chase Bank, who assured me that the money would be reimbursed pending an investigation. 

To my surprise, on XX/XX/XXXX, I noticed that the bank had deducted the reimbursed amount of {$4200.00} from my account without any prior notification or explanation. I reached out to the bank to seek clarification and was informed that my claim had been denied. However, despite my repeated requests, the bank representatives refused to provide me with a clear reason for the denial, leaving me in a state of confusion and frustration. 

As a loyal customer of Chase Bank for several years, I have always maintained a responsible approach to my banking activities. I have promptly reported any suspicious transactions in the past and have diligently followed the necessary procedures outlined by the bank. However, the current handling of my case has left me feeling unheard and unfairly treated. 

I believe that it is my right as a consumer to receive a thorough explanation regarding the denial of my claim. I request the Consumer Financial Protection Bureaus intervention in this matter to ensure that justice is served, and I am provided with a clear understanding of the banks decision. I also seek your assistance in facilitating a fair and unbiased review of my case.
Product: Payday loan, title loan, personal loan, or advance loan

I was denied a loan due to debt-to-income ratio. They were using imputed payment amounts for my student loans. I am on the Income Driven Repayment ( IDR ) program and my payment amount is only {$50.00} and right now there are in deferment as I am a student more than half-time. I stated I have proof of the actual payment amount. They said they were going to impute the payment amount at a certain percentage of the balance no matter what ( I believe it was 0.7 % ). I believe this lending policy is discriminatory to students and a violation of the Fair Lending Act. It may also be a violation of the Fair Credit Reporting Act ( modify information on credit report ).
Product: Credit reporting or other personal consumer reports

These accounts are reporting inconsistent information across all XXXX bureaus.the bureaus are repeatedly reporting accounts as charged off and have been repeatedly been updated and this inconsistent reporting is manipulating the statues of limitations.also I've asked them to investigate this matter and they keep verifying without proper investigation.XXXX  XXXX and XXXX pm repossessed my cars without giving me any opportunity to pay, I was In hospice with stage XXXX metastatic melanoma and the company 's both stole my property with no notice to me.please delete the following accounts XXXXXXXX XXXX XXXX.acount # XXXX. XXXXXXXX XXXX acount # XXXXXXXX XXXX XXXX account # XXXX opensky XXXX acount # XXXX XXXX XXXX account # XXXX. XXXX XXXX account # XXXX xxxxxxxxxx. XXXX XXXX XXXX acount # XXXX and XXXX please help protect my federally protected rights.i am trying to get my life back in order from battling XXXX the last 3 years.i can't buy a new car with these inaccurate accounts/repossessions reporting inaccurate information.pleae help! Thank you and XXXX bless you
Product: Credit card or prepaid card

I sent validation letters for this debt and the collection company along with XXXX  did not provide proper documentation for the debt. The debt was removed from my credit report in XX/XX/2020 and now it is back on in XXXX by the same company
Product: Money transfer, virtual currency, or money service

They didn't disclose the full disclosures of using XXXX for money transfers at PNC bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed two accounts that I will list below with experian and they have failed to provide proof that these companies are accurate reporting ... the companies one sold its rights not to the debt they claim I owe but the company that owned them and the new company for XXXX XXXX is a company called XXXX, XXXX told me that XXXX XXXX was the previous owner of the account and they do not have any information on that account reported so please dispute with any reporting agencies that has this information .... so that the reason for this because Ive not gotten anywhere ... 

The second account is XXXX this company has been a joke with communication sending me statements every time I asked to prove I owe the debt, clearly they have no proof, because I never opened a account with them, they said the account was opened on the internet clearly fraudulently. The account must be removed the information that XXXX sends me is not valid so no way the credit bureau experian should have been accepting this information as proof, as per FCRA and FDCPA, nothing about the information is accurate or complete, experian position is that they are not the ones that placed the adverse information the furnisher did, however even so you are required per FCRA to make sure all information given is not 92 % accurate but 100 %, in this case the information is 0 % accurate ... 

Please delete following accounts : XXXX XXXX : {$580.00} opened online no signed agreement XXXX XXXX  : {$0.00} charged off furnisher cant verify the account and its not mines I need it removed ... 

XXXX : {$490.00} well this account they sent notice to experian to delete the account I have also submitted the paperwork, I need it gone no procrastination, I should not have to wait for information that does not belong on my file to be removed its causing me pain in my financial and personal life ...
Product: Money transfer, virtual currency, or money service

I just want to link my PNC account to a payment, bu could not, please help for this.
Product: Credit card or prepaid card

I reached out to American Express so I could exercise my consumer rights to validate the alleged debt and they are denying me my rights to do so. The company ignored my request to receive all documentary evidence and told me the account status does not meet the criteria for us to fulfill a debt validation request which violates FEDERAL LAW. American Express is blatantly violating my consumer rights by not allowing me to validate the alleged debt.
Product: Checking or savings account

WHEN THE PAMDEMIC STARTED JUST LIKE MILLIONS OF PEOPLE IN THIS COUNTRY I WAS AFFECTED FINANCIALLY LUCKILY THE PPP LOAN WAS INTRODUCED AND I GOT APPROVED THE FUNDS WERE DEPOSITED TO ME IN XXXX CAPITAL ONE TOOK IT UPON THEMSELVES TO FREEZE MY FUNDS AND ALSO CLOSE MY ACCOUNT I SUBMOITTED EVERY DOCUMENT THEY HAVE ASKED ME TO PROVE I QUALIFY FOR THE PPP LOAN TILL THIS DAY I HAVE NOT BEEN NOTIFIED OF THE INVESTIGATION RESULTS I REACHED OUT TO THE SBA THEY TOLD ME THEY HAVE NOTHING TO DO WITH THE INVESTIGATION AND THAT I AM STILL RESPONSIBLE FOR PAYING BACK THE LOAN. MY BUSINESS IS HOW I FEED MY FAMILY I CANT OPERATE MY BUSINESS MY KIDS AND I ARE BARELY SURVIVING I DONT KNOW WHY CAPITAL ONE IS DOIN THSI TO ME I DEFINITELY PLAN ON CONSULTIN WITH AN ATTORNEY TO SUE YOU HAVE NO IDEA HOW MUCH OF AN INCONVENIENCE THIS HAS CAUSED ME WE ARE ABOUT TO BE HOMELESS I HAVE CRIED EVERY NIGHT NOW I AM EXPERIENCING XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX  - CARD SERVICE XXXX and XXXX - CARD SERVICE XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX  CARDs customer service representative.