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

I have a payday loan with XXXX XXXX XXXX on XXXX, XXXX, CA. I asked about their loan products. They usually recommend XXXX. I hesitated because I've had problems with their ethics practices. They're unscrupulous. The staff assured me they claimed they will work w/XXXX  customers. Their clients don't have stellar credit with FICOs above XXXX. Their incomes are typically less. Mine is better but my FICO is low. At their suggestion & great reluctance I applied on XX/XX/XXXX. You have to do it directly w/XXXX by phone. I spoke to XXXX at XXXX XXXX @ ( XXXX ) XXXX. She said she was unable to get my app to go thru, had no idea why, would talk to her supervisor ( at my insistence for a reason as to why ) & call me back before she left at XXXX XXXX. She never did! No surprise. I told XXXX of my experience. They were shocked because that isn't what they were told. They are being asked to promo XXXX  's product to their clients. All XXXX is doing is clocking numbers, running inquiries on consumers credit w/XXXX which depletes your already not good FICO down by 10 points for 2 solid yrs. & you still get declined! They're a numbers based business playing a game w/consumers time & lives. XXXX was unable to comment because they were lied to by XXXX 's sales rep just to get the business. LoanMe is not capable of supplying loans to XXXX customers, their FICOs & incomes are too low. XXXX  payments are incredibly high & are per pay period w/interest only for months before anything goes to principal. I called again on XX/XX/XXXX & s/w XXXX, supervisor. He said my app didn't go thru because the system has me blocked because I filed a XXXX  complaint in XXXX for their practices which were worse than recent events. Each time I applied ( 3 times ) they never sent a Reg B letter. Claimed to but never did even though they had correct info. Instead of trying to change my mind about them, they black balled me & never told me that or why. I had to persist to find out about it!
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening you have recently reported that XXXX and XXXX bank is reporting accurately on my report but i so happen to have a letter from XXXX saying you all are reporting inaccurate information late payments .Please update to paid as agreed .If you refuse, I will like to inform to You that you are are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.
Product: Mortgage

On XXXX XXXX, XXXX, the home equity loan held by USAA was paid off by the title company when we closed on the sale of the house. I obtained from the title company proof that USAA received the payoff on XXXX XXXX, XXXX. I checked my credit report in XXXX, XXXX and again XXXX and found each time that USAA did not report that the account was paid in full but erronously reported it as a collections/charge off with an unpaid balance. I phoned XXXX XXXX at USAA XXXX offices in XXXX and XXXX, leaving a detailed message each time. I never received a response. On XXXX XXXX, XXXX, I faxed a letter to USAA demanding that it immediately and correctly report that the loan is paid in full and remove the false and derogatory information from my credit report. I faxed a copy of the letter to CFPB as well.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 of 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

________________________________________ EXPERIAN/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/2019 XXXX  _________________________________ XXXX. XXXX XXXX XXXX  IN ACCORDANCE TO 15 USC 1681 602A .... I HAVE A RIGHT TO PRIVACY.

IN ACCORDANCE TO 15 USC 1681 SECTION 2 ... 
THE CREDIT REPORTING AGENCY DOES NOT HAVE PERMISSION TO POST MY INFORMATION WITH OUT MY CONSENT.
Product: Credit reporting or other personal consumer reports

The following list of inquiries on my Transition Credit Report are fraudulent and are not inquiries I authorized. Name Requested On XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Request removal from my Credit Report as they are preventing me from obtaining rightful credit.
Product: Credit card

I've called and mailed complains asking for reason for denial But pursuant to 15 usc 1691 It is unlawful to discriminate and deny credit, when I'm moving with good faith. 

Pursuant to 15 usc 1602 you can not deny me my credit, because I'm the Original creditor
Product: Mortgage

Subject : Formal Complaint Against Shellpoint Mortgage XXXX XXXX and XXXX  To Whom It May Concern, I am writing to formally file a complaint against Shellpoint Mortgage XXXX XXXX and XXXX  regarding the mismanagement of my property tax overpayment refund for my property located at : XXXX XXXX XXXX, XXXX, SC XXXX Loan Number : XXXX Shellpoint Mortgage overpaid my annual property tax, and on XX/XX/year>, XXXX XXXX issued a refund check in the amount of {$3900.00} ( Check # XXXX ) to XXXX. According to the issuing party, this check was cashed by XXXX on XX/XX/year>. 

Despite my numerous attempts to have these funds properly applied to my escrow account, Shellpoint Mortgage and XXXX have failed to take action. As a direct result of this delay, my escrow account now has a negative balance, creating an unnecessary financial burden. 


Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

This company has continuously charged random monthly membership fees of {$14.00} without authorization when the account was placed on pause and after being told the month prior on ( XX/XX/XXXX ) that they were experiencing system issues and that I would no longer be charged, in which I was refunded back my {$14.00} on XX/XX/XXXX ). I then received two {$14.00} membership fees on my debit card on XX/XX/XXXX, then was told I had a remaining balance and thats the reason for the charge and they will not refund or cancel fees until balance iao {$470.00} is paid in full. Supposedly my account was sent over to collections ( no notification ) and that they would reach out to me about setting up payment arrangement. Ive tried communicating with their company multiple times in regard to a balance due but have gotten no reply or email response.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/year>. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX.
Product: Credit card or prepaid card

My husband and I have had a Wells Fargo Home Improvement card since 2016 with perfect payment history. His credit score is prime and mine is mid-range. We used the card once and immediately paid the balance within the promotional period. 

Since paying the card and even obtaining the card, nothing has significantly change with either of our credit or income levels which would cause us to not be qualified to keep the line of credit. 

Recently, I received notification from the credit bureaus that a card was closed and caused my score to plummet by 17 and 21 points, respectively, across the 3 bureaus. 

We did not receive ANY notification or communication from Wells Fargo our account would be closed. As a matter of fact, I attempted to contact Wells at the number they are reporting on my credit report and this number is DISCONNECTED. They are reporting on the bureau comments " Account closed at the request of the consumer '' which is a fraudulent claim -- neither my husband or I have requested to close this account. 

WELLS FARGO BANK NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX It is unacceptable for Wells Fargo to not send us notification letting us know why our account is being closed and causing harm to us as consumers by closing. We are in the middle of purchasing a home and this is causing significant damage to us as a result. 

Furthermore, I attempted to log in to the Wells Fargo online portal and the entire account history is gone! No account number, no payment history. Literally disappeared into thin air like it never happened ... 

If you attempt to download account activity there is an error that says " The system is temporarily unavailable. Please try again later. '' I don't even have an account number to attach to this complaint due to their failing system and errors.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : [ XX/XX/XXXX ] TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Unauthorized Hard Inquiry Dear XXXX, I am writing to formally dispute a hard inquiry listed on my TransUnion credit report. Upon reviewing my credit report, I noticed that there is an inquiry that I do not recognize and did not authorize. This inquiry is listed as follows : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX As per my records, I did not authorize or initiate a request that would result in a hard inquiry from the above-mentioned company. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to request the removal of any unauthorized inquiries from my credit report. 

Therefore, I respectfully request that you investigate this inquiry and, if found to be unauthorized or erroneous, remove it from my credit report. Please provide me with written confirmation once the inquiry has been removed, or let me know if any further documentation is needed for your review. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Debt collection

Account Name : DUVERA BILLING SERVI Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove this from my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX, I booked a reservation at the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX through American Express Business Travel. Per the reservation confirmation from American Express Business Travel, the reservation included a no-show fee of XXXX Euros in the event the reservation was not cancelled before XXXX the day of arrival. Due to changes in my travel plans, I was required to cancel this reservation after XXXX the day of arrival and should have been charged XXXX Euros as a no-show fee. However, the hotel charged my credit card XXXX Euros without explanation for why it was in excess of the XXXX Euros outlined in my hotel confirmation. Therefore, I was overcharged XXXX Euros ( XXXX - XXXX = XXXX ). I contacted the hotel but was unable to resolve the issue due to language barriers. Therefore, I disputed the charge with American Express on XX/XX/XXXX and the disputed amount in USD was {$220.00}. American Express was unable to resolve the matter with the hotel and provided me the credit of {$220.00}. Subsequent to this resolution, the hotel charged my credit card for XXXX Euros to try and recover the amount that American Express credited me as a result of the dispute. As soon as I saw the charge, I called American Express and was told I would need to dispute the charge again. I filed another dispute on XX/XX/XXXX to dispute this matter ( which was for XXXX Euros or {$230.00} in USD as of the dispute date ). On XX/XX/XXXX, American Express sent me a letter informing me that the merchant provided information to American Express and that American Express concluded that the charge was valid. However, the information provided to American Express by the merchant is not in English and does not appear to support the amount charged by the merchant. Further, it is explicit in my hotel confirmation that the charge should be XXXX Euros. On XX/XX/XXXX, I contacted American Express again to discuss this matter. I was told that I would need to file another dispute with American Express. Throughout my conversations with American Express, I have felt that the representatives I have worked with were not sufficiently competent to understand and resolve this matter. I have put forth more than a good faith effort to resolve this matter with American Express and believe my dispute is clearly supported by the facts and hotel confirmation from American Express Business Travel.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been trying to collect money from me that I do not owe. I have been contacted by four collection agencies. Each time I receive a notice about  XXXX in the mail from a collection agency, I reply within 30 days and explain to them why the debt is not valid. XXXX XXXX has reported the account on my Transunion credit report. The amount is {$57.00} On XXXX XXXX, XXXX I sent a dispute letter to Transunion and followed their dispute process. On XXXX XXXX, XXXX, Transunion sent me the report on the results of their investigation. They say that the information has been verified as accurate. All that Transunion has done is verify the same FALSE information that XXXX XXXX is providing. XXXX XXXX falsely believes that I have an account with them because I purchased a phone at a retail electronics store and the store had a technical problem and could not activate the phone. The store let me return the phone and they refunded all my money. The store said they notified XXXX. This happened XXXX XXXX. Apparently the store either did not notify XXXX or XXXX did not get the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage with shellpoint/new rez mortgage company. I have not missed any payments or was late on any payments until XX/XX/XXXX. In XX/XX/XXXX I had a significant reduction of income directly related to the pandemic. Under the Cares act I deferred my mortgage. For some time I had this reduction of income. I extended the deferral as long as I could. I started making a payment in XX/XX/XXXX as advised from the mortgage company. I had much phone communication to decide on how much and when to pay. I then started to make reduced payments as a trial when my deferral was finished I consistently made those payments starting in XX/XX/XXXX as agreed I made all payments every month consistently since that time. I was then asked if I would like to do a refinance of my mortgage to reduce payments. I agreed. Before finalizing the refinance. I realized the refinance had my mortgage change from a 20 year mortgage into a 40 year mortgage. I only had 12 more years before payoff. I decided not to do this. They gave me an option to defer I agreed with the deferral. I also made back payments to get my escrow up to date. I was told on phone communication when all of the deferral was finalized my credit would show no lateness. In XX/XX/XXXX after the deferral was complete, I asked my case worker if my credit would be corrected. She said " is there a problem with your credit? '' She also said that no reporting was done during the deferral process. I sent her a copy showing the reporting of late payments. She did not reply to me after that. This was in XXXX of XXXX that the deferral process started. After that time I called the phone rep told me I could not talk to anyone on phone about a credit problem and to use the website. I did file a email through their website I never heard anything back from them. Under the cares act this is illegal. Not only does it show that my account was late over 120 days it shows inaccurate payment dates. I would like this negative reporting to be removed and corrected as soon as possible it is causing my credit score to be low.
Product: Debt collection

I have informed Southwest Credit This debt was pursued about another Collection agency XXXX who was unable to prove I owed this The person XXXX sent to get equipment turn cable on at my address I do not slowed this debt the person they hired to pick up there equipment does. I asked for my original signature on this debt
Product: Student loan

I notified Netnet in XX/XX/XXXX that I was entering into Chapter XXXX bankruptcy. My lawyer also included Nelnet in bankruptcy. Per Nelnet Legal Department and website account my student loans will deferred to XX/XX/XXXX. My bankruptcy was completed in XX/XX/XXXX. Nelnet took the deferment off my account after the bankruptcy ended. I did notknow the deferment was removed from my account and Nelnet near sent me a statement for payment. I ran a credit report and I noticed that Nelnet had reactivated my account. My credit report states I have 5 late payment accounts with Nelnet. I called Nelnet to see what was go on with my account and I was told my payments restarted when the bankruptcy ended. Since I paid my bankruptcy off before XX/XX/XXXX my account was reactivated before the estimated date of XX/XX/XXXX. I have since be consistent with my Nelnet payment plan. I wrote Nelnet a Goodwill letter asking for these late payments be removed from my credit report due to I would have not been late will payments if I was notified the accounts were reactivated.
Product: Mortgage

XXXX XXXX XXXX, Loan # XXXX  has transferred our VA Mortgage Loan Payments to Freedom-Mortgage without letting us know what is going on. Since the transition finalized by this two Financial Mortgages companies. I did contact Freedom Mortgage Loan # XXXX by ( e-mail ) several times. To let them know, I will not making no payments to my Mortgage VA Loan. Until Payment Rectification is make to my Escrow Payment. Since XXXX XXXX XXXX defraud me and my wife with our ( Tax-Exemption ) never been removed from our Escrow payment ever since XX/XX/XXXX through XX/XX/XXXX Seven payments has been made to our home since with tax including, Never remove from our Escrow payment at all. Therefore ; its a breach of contract, as well defrauding us with our Mortgage payment. Its also falls under : " False Statements Statute U.S.C. 1001. Section 2 '' Especially, the general Statute, 18 U.S.C. 1001, which makes it a crime in dealings with the fedral government to ( 1 ) falsify or conceal a material fact, ( 2 ) make a materially false statement, or ( 3 ) make or use document known to contain a materially false statement or entry. False statement statute. see also Exculpatory which also a breach of contract against us. We are seeking help to Relegate this Maladminister conduct which become a ( XXXX   ) in America. Nowadays. after 8 years of Collusion conspicuously.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft .There are Incorrect/false address on my credit report