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

On XXXX XXXX 2022 I applied for a loan with world finance in XXXX Texas, I was approved for XXXX With 13 monthly payments of XXXX, First payment due XX/XX/XXXX. The first payment was made, I contacted world finance to get a payoff amount and was provided a figure of XXXX. I asked Why the amount increased I was informed that the ttl payoff amount would be XXXX. But since I made one payment the payoff amount is XXXX, but since I'm paying off early the amount is XXXX as interest is accused daily on the payoff amount and not the amount I received. 

This doesn't seem right. How can you charge interest on an amount that I didn't receive
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX  XXXX Balance : {$9200.00} ; XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX.
Product: Credit card or prepaid card

Ive been Wells customer since XX/XX/2013. I do have saving and checking accounts in Wells Fargo. I do also have brokerage account with them as well as the mortgage, and I receive my paycheck in that financial institution as well. 
I applied online to the wells Fargo Cash Wise Visa. When I read the terms and conditions there is nothing mentioning about requirements for certain or specific XXXX status in the US to be eligible. So I went ahead and applied. A few days later they sent a letter noted under # XXXX stating that my application was denied as for this reason : Not a permanent XXXX XXXX.On XX/XX/XXXX I went to the branch I have my accounts and the banker escalated this issue which was registered under # XXXX. Ten days later, XX/XX/XXXX Ive got a call from Wells Fargo advising that as per their internal policy they do not approve credit cards, unless they are secured credit cards, to people that are not XXXX XXXX or XXXX XXXX XXXX. 
My complain relates to the fact that I feel they are discriminating me in the treatment as there are other people with the same legal statues ( valid XXXX XXXX XXXX ) employed legally in the country that were able to get a credit card approved by the same financial institution. Also, if that is a true requirement for all applicants they should state it clearly in the Card Terms and Conditions form which I have with me. In the application they do not check my XXXX status and whether I have the right to stay in the XXXX  long enough to repay the debt.
Product: Credit reporting or other personal consumer reports

Hi TransUnion, I just checked my credit report and found those 6 fraud inquiries that shall delete from my credit report. 


XXXX XXXX inquiry date : XX/XX/scrub>XXXX XXXX inquiry date : XX/XX/year>XXXX XXXX XXXXXXXX, inquiry date : XX/XX/scrub>XXXX XXXX, inquiry date : XX/XX/scrub>XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/scrub>XXXX XXXX XXXX inquiry date : XX/XX/year> DELETE THOSE FRAUD INQUIRIES.
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. 

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 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 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: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information contained in my Lexis Nexis consumer report. I recently obtained a copy of my report and discovered several items that I believe are inaccurate. I am requesting a thorough investigation into the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$45.00} XXXX XXXX XXXX XXXX Balance : {$45.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$3700.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. XXXX, XXXX Account # XXXX, XXXX XXXX Account XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have the rights 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 reporting or other personal consumer reports

Chase card services disputed for months starting XX/XX/23 till XX/XX/23. Ask for original contract with signatures. Not provided.
Product: Checking or savings account

I was with chime for years before they became " popular ''. Last year I went through some financial hardships and money was not coming in as I would have liked I was unemployed for months. My account was overdrawn XXXX and something dollars. I have recently found a job and I was able to get my account back in good standing, I tried to log into my acct and received a message that my acct was closed and to contact customer service. After a day I got an email saying that they are sending my account to another department. After that the department emailed me saying we can't re open your acct due to a negative balance... I reached back out because I am legit confused how can a company that states no penalties for overdraft accounts to closing my account with no notice no nothing. Like I know that they don't have to tell you but I got an email from them about everything else especially regarding that dumb spot me thing. But never got an email stating that my account is about to close and what can be done. I still have not heard back from anyone regarding this after replying back to the email telling the rep I wanted a supervisor to call me and provide clarity and next steps. They did nothing. I dont think its right that they don't even try to assist or provide clarity or provide information on what will happen next or even telling me there is nothing to be done they just ignored me. So now I'm taking my reviews here, XXXX, XXXX, XXXX XXXX. Like I said I had the acct for yrs no issues no fraud no nothing and they just basically threw my account away and refused to offer any assistance even after I told them I will be taking this to social media.
Product: Vehicle loan or lease

Hyundai Motor Finance reposed my car when the loan was closed and paid in full all three credit bureaus report loan was paid and closed in XXXX of 2020 they came and took my car on XX/XX/2020. I was told when calling the police it was reposed
Product: Debt collection

Notice for Proof of Claim Account : MEDICREDIT # XXXXTo Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX XXXX XXXX XXXX XXXX  A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Vehicle loan or lease

I paid of my car and was not paid my GAP insurance back for 2 years later and do not know if it was correct.
Product: Debt collection

In XXXX of 2019 XXXX XXXX XXXX  XXXX placed a collection of {$85.00} on my account, that is now owned by OAC and being reported negatively on my consumer report. I was living in XXXX, CA at this time and nowhere near XXXX. which this medical bill is for. I have always received my care at XXXX facilities. I have no knowledge of this account and no way of verifying.
Product: Student loan

XXXX XXXX : I submitted my application for SAVE repayment plan via Studentaid.gov. 
XXXX XXXX XXXX  Nelnet confirmed receipt of my application ( that had been transferred to them by Studentaid.gov ) XXXX XXXX   : Nelnet sent an email requesting additional documentation required to review my application ; I uploaded this to their website on XXXX  ( their website confirms documents were uploaded on XXXX XXXX 
XXXX XXXX  : I received an email from Nelnet that my " request had been received XXXX XXXX XXXX XXXX I sent an inquiry to Nelnet.net, via their website, requesting status update on my application. 
XXXX XXXX : Nelnet responded with a request for more information regarding my income ; I uploaded this to their website on XXXX ( their website confirms documents were uploaded on XXXX XXXX Documents included NYS unemployment benefits ( and expiration of benefits as of XXXX  ), income from all part-time employment, and a self-certification letter as requested by Nelnet. 
- XXXX : I sent another inquiry to Nelnet requesting a status update on the processing of my application and whether there were any additional documents needed. I did not receive a response. 
- XXXX  : I sent another inquiry to Nelnet requesting a status update. I did not receive a response. 
XXXX XXXX : I checked the Nelnet website and my application was listed as " still pending : and was instructed to check back in 10 days. 
XXXX XXXX : I received an email from Nelnet that my application was " still pending '' but this email did not indicate that any further documentation or action was required on my part. 
XXXX XXXX : I submitted a formal complaint with NYS DFS and requested help to try and elicit a response from Nelnet. 
XXXX XXXX  : I received a response from XXXX XXXX XXXX XXXX XXXX that the issue had been resolved. This response did not provide any actionable information and my account remained " still pending '' on the Nelnet.net website. 
XXXX XXXX XXXX I sent a response email to XXXX XXXX informing them the issue had in fact not been resolved and requested they reopen my complaint as the issue was still ongoing. I did not receive a response to this request. 
- XXXX XXXX  I checked the Nelnet website and my application was listed as " still pending '' and was instructed to check back in 10 days. 
- XXXX  : I checked the Nelnet website and my application was listed as " still pending '' and was instructed to check back in 10 days. 
- XXXX  : I sent emails to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  requesting updates. 

Throughout this entire process, Nelnet has claimed they would keep me updated via email every 10 days that my application was still being processed but I seldom received an email from them. All the while, interest has been accruing ( {$1400.00} as of XXXX  ) and my payments are scheduled to resume on XX/XX/XXXX at the Standard repayment rate. 

I was laid off in XXXX XXXX  and have been working hard to stay afloat with XXXX  work but am nowhere close to the income level I was at prior to being laid off. I want to repay my loans and it has been incredible how difficult Nelnet has been in helping me make this happen.
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 1 5 USC 1681 Account name : XXXX XXXXXXXX Account Number # XXXX Opened XX/XX/2014 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1 681 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 as inaccurate.
Product: Debt collection

To Whom This May Concern, CREDIT COLLECTIONS I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not recieve proper notification. If in fact you believe that I received proper notification, please provide the certified mail with a receipt with my signature on it stating that I received it.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.

Collection agency has no authority to furnish any account to a consumer agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) The collection agency is violating my consumer rights by using false misleading, misrepresentaion and deceptive means.

I am disputing owing any and all depts. I am also revoking all rights of them ( CREDIT COLLECTIONS ) communicating with me through email/text/calls. I would also like to request the purchase agreement between CREDIT COLLECTIONS and the original creditor. Along with furnishing proof of license and bonded.

Also 15 USC 1692 ( c ) states that without the prior consent of the consumer given directly to the collector or the express permission of a court of competent jurisdiction a collector may NOT communicate with a consumer in connection with the collection of any debt. 

THIS IS IN FACT A VIOLATION OF MY HIPA RIGHTS
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
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. 

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  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: Credit reporting, credit repair services, or other personal consumer reports

I was A victim of identity theft and after reviewing my report I notice there are several hard inquires that I did not authorize on my credit report. Additionally there are fraudulent accounts that are closed but reporting on my report that I never opened. I have attached the copy of the identity theft report my drivers license and social security card for reference. And listed below are both the accounts that are needing to be removed due to fraud and the hard inquires that are also fraud. 

The accounts that are fraudulent are the XXXX XXXX XXXX ACC NUMBER ; XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ACCOUNT XXXX ***THERE ARE XXXX OF THESE ACCOUNTS LISTED WITH XXXX DIFFERENT OPEN DATES**** XXXX SHOWING XX/XX/XXXX & XX/XX/XXXX. BOTH ARE FRAUD ACCOUNTS. PLEASE REMOVE. 


The Hard inquires that I didn't list are also listed below. 


XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX EXPERIAN XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX NA Inquiry date : XX/XX/XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX EXPERIAN XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX NA Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Product: Debt collection

Calls identifying their purpose as a debt collector ( NES Ohio ). A recorded message leaves an XXXX number for a response, offers no information as to the source of the " debt '', who they represent, or an amount. I do n't know why they would call.
Product: Money transfer, virtual currency, or money service

We were attempting to sell a desk and fell victim to a scam. We lost $ XXXX {$350.00} on or around XXXX of XXXX. I reported this as fraud to JP Morgan Chase and they told me that they don't refund money that is lost when fraud occurs on XXXX. What a shame. 

Chase and other banks provide this service to consumers without any accountability or willingness to investigate the fraud to the extent necessary to actually bring charges against the perpetrators. It is maddening that in spite of this user, " XXXX '', having a XXXX account with a XXXX approved bank Chase chooses not to pursue the individual participating in these fraudulent activities. This also happened to us in XX/XX/XXXX. We've wised up to the fraud on XXXX but not after losing around {$800.00} in total. Something has to change - either take the service away entirely or set it up to refund people their money when it's determined they've been defrauded!!!!
Product: Credit reporting or other personal consumer reports

I have tried to dispute the XXXX XXXX XXXX account with experian multiple times only for them to not do they're investigation properly or at all. XXXX it has been over 7 years that this has been on my credit file reporting negative charge off settled and paid off all in different times spans it first showed charged off then settled then paid off then back to charged off to reporting in the end back too negative I settled this debt already plus it has aged 7 years and 10 months and is still showing negatively Also I have reported inquires that I reported as fraud from XXXX XXXX, XXXX  XXXX XXXX, and XXXX that are only showing up with them that are not mine that they are reporting things that are incorrect XXXX XXXX has inquiries that are not mine also XXXX XXXX is not mine inquiries