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

I took this payday loan out of desperation. 
I called on Thursday XX/XX/XXXX and was told my loan payoff would be XXXX And then when I called back on Friday XX/XX/XXXX I was told my payoff was XXXX. 
Because of late fees and interest. 
I emailed 2 times in XXXX to find out my pay off and to notify them I changed jobs and my pay days had changed. With no response back. 
In addition to their late fees and interest I was charged. My bank charged me XXXX each time they withdraw their payment. 
You can't resolve anything with me because they don't return emails or phone calls from their finance dept
Product: Checking or savings account

My attorney sent subpoena for bank records for these accounts and bank stated unable to locate records. As these accounts were accessed in XXXX of XXXX, how could they loose records in less than a year of which required to keep? Again Wells Fargo declares bank records as lost, cant locate, missing from bank - when was this a thing or acceptable? Are they under any regulations? The subpoena for records was on XX/XX/XXXX and 4.5 months later, they also do not respond within 14 days, they also require you give the account numbers one by one versus locate under account owner social security number or TIN - its painful and they dont comply nor transparent.
Product: Checking or savings account

Wells Fargo processed payments that were not authorized then charged my account NSF fees. Further, they have continued to post a larger balance on my account on online banking and at the ATM, THEN, they deduct fees which cause my checking account to be overdrawn. This is a scam!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX  XXXX XXXX Balance : {$9100.00} ; XXXXXXXX XXXX XXXX  XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX Balance : {$3600.00} ; XXXX XXXX XXXX Balance : {$4800.00} ; XXXX XXXX : {$7000.00} ; XXXX XXXX XXXX Balance : {$7700.00} ; XXXX XXXX XXXX : {$4500.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}, {$3000.00}, {$3000.00}, {$4000.00}, {$6000.00}, {$9000.00}, {$17000.00}, {$5800.00}, {$2900.00}, {$13000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 

-OPEN ACCOUNTS- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5800.00} -This is not my account. 

9. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2900.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX and transunion about the debt on my credit report from XXXX. I have asked them to provide And have asked numerous times to provide physical verification of the original signed certified contract with a wet ink signature which is my right as a consumer under the FCRA section 609 ( a ) ( 1 ) ( A ). and Copies of copies are not validation and by law are not considered. XXXX XXXX and transunion has not complied and still lists this debt on my profiles. they keep removing it and adding it back to my profile.
Product: Mortgage

I am unable to get requested details or have a clear conversation with this loan servicing company. I have requested to speak with a point of contact regarding the loan which is in foreclosure. 
I have asked for an escrow history and was told only 2018 was available.Yet, at the same time, I was told that escrow analysis is done annually, but because the loan is in litigation and so far in default, all that was available was 2018.I am expected to accept Carrington 's calculations and add on fees without question. 
I have requested a copy of the XXXX XXXX ( original loan holder ) settlement with the state of Illinois and was told by XXXX, XXXX ID XXXX ) that only my attorney could request such documents. However, to date Carrington continues to have the lawyer originally retained 4 years ago listed on the account. Numerous attempts have been made to update the file with the current and correct attorney to no avail. I was again told on XXXX, XXXX that a third party authorization was needed Yet, previous authorizations have never been updated. This company contradicts itself in every phone call and lacks transparency. Please see attached confirmation of my experiences from a certified HUD counselor.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX XXXX Balance : {$600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please know that I was not late on the mentioned accounts here.. I wonder why credit bureaus report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for meXXXX XXXX XXXX XXXX XXXX, XXXX XXXX,
Product: Debt collection

CIG Financial, a debt collection agency, regarding their unlawful and harassing practices, which are in clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to address these issues directly with CIG Financial, the violations persist. 

Here are the details of the violations and harassment : Cease and Desist Violation : I sent a cease and desist letter to CIG Financial requesting that they stop all communication. This request has been blatantly ignored, and I continue to receive harassing communications from their agency. This constitutes a direct violation of the FDCPA, which allows consumers to request that debt collectors cease communication.

Threats of Property Seizure : CIG Financial has made threatening statements regarding the potential seizure of my property. Such threats are not only a breach of the FDCPA but also a violation of the FCRA, which prohibits negative credit reporting without valid grounds or while a debt is under dispute. 

I kindly request that the Consumer Financial Protection Bureau investigates these violations by CIG Financial and takes appropriate action to ensure that my rights are protected and that CIG Financial adheres to the regulations outlined in the FDCPA and FCRA. 

Please find attached any relevant documentation to support my complaint, including copies of my cease and desist letter and any correspondence from CIG Financial. 

I appreciate your prompt attention to this matter and your assistance in resolving these issues. I eagerly await your response regarding the progress of this investigation and any steps taken to address these violations. 

Thank you for your commitment to protecting the rights of consumers. 

Under the Fair Debt Collection Practices Act ( FDCPA ) : I Requested Validation of Debt : I have the right to request written validation of the debt. They must provide information about the debt, including the name of the original creditor and the amount owed and because of this they are continuing to harass me
Product: Money transfer, virtual currency, or money service

The company Venmo claims that I have done something to cause them to close my account they have frozen my money almost {$400.00} nobody will give me a reason why nobody will help me find out how to get the money Ive done absolutely nothing wrong.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I received a default judgment that was ordered against me stating that I owe and must pay {$7300.00}. I didn't know I was being sued and the XXXX at the Justice of The Peace court said they put a letter on my door and I never received anything. They purchased the debt from XXXX XXXX and the company I have a credit card agreement with is XXXX XXXX XXXX XXXX XXXX Someone knocked on my door and was yelling open the door and it scared me I have XXXX small children. About this time I started to receive calls from Portfolio Recovery Associates and made the connection that this must be them. I reached out to thier complaints and customer service department and asked them to send me everything they have and all I they sent was a short letter that said an amount that I protest! 

Lastly, I want to know my rights since they failed to inform me of the lawsuit and falsely informed the courts that a notice was placed on my door.
Product: Vehicle loan or lease

My car was repossessed I offered to buy it back was denied. Vehicle was sold still harassing me
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Re : Account # XXXX XXXX XXXX : My name is XXXX XXXX. Today I went to the location in XXXX on XXXX XXXX where I have been making my business loan payments since XX/XX/XXXX and found out that half of the payments that I have been making since XXXX have not been credited to my account. I have enclosed the statement from the branch and emails between myself and the law firm. In addition, I pulled my credit report today and found out that XXXX XXXX shows my account as being {$9000.00} past due with a balance of {$17000.00}. This information is incorrect. 

I have been making payments on my account since XXXX at XXXX XXXX branches. Paying this loan with my business closed and unemployed for most of XXXX and XXXX was extremely difficult, but I did. As a small food company, I was hit hard by XXXX. XXXX XXXX provided me with XXXX previous business loans that I repaid early. However, I struggled to repay the third loan due to a horrible experience with a XXXX XXXX manufacturer, causing me to lose a large order to a major store. 

I would like to speak with someone at a branch who will correct my account, find and apply the missing payments, clarify why the interest rate is almost 10 %, and correct the inaccurate information to the credit bureaus, correct my credit report, and remove the returned check fees for payments that the XXXX branch on XXXX XXXX lied and told me they never received. I disagree with a judgement ever being placed upon me ; It was malicious and cruel and not necessary to punish me so severely financially after I had made successful early payments on XXXX previous business loans. This was especially cruel that it was done in XXXX. 

Yesterday I spoke with XXXX XXXX in Collections who I do no trust or believe will take this matter seriously. Therefore, I am writing to you and asking that someone else assist me. 

Respectfully, XXXX XXXX
Product: Payday loan

About 3 months ago I applied for a payday loan of {$600.00}. I received the loan. Since I received this loan I have discovered and been told that in Texas the maximum amount for a payday loan is {$500.00} and can only be for 31 days. Each month for the last 3 months I have been pay {$160.00} a month but they keep refinancing my loan which does not seem to be going down but going up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed several accounts that I have never done business with on my credit report. They list as first premiere, XXXX XXXX XXXX, credit center, XXXX XXXX XXXX, and XXXX XXXX XXXX. I believe these accounts have been obtained fraudulently.
Product: Mortgage

By mistake I made an additional $ XXXX payment towards principal on XXXX XX/XX/2019. Either Mr. Cooper return me that or apply that for the reminder of the payments ( so that i don't have to make the payments of $ XXXX ) this year. 

I prefer refund of $ XXXX
Product: Credit card or prepaid card

My data was both hacked and my server was changed by remote access 3 years ago. Every sire was hacked and ruined. XXXX, XXXX  and all browsers were hacked. 

Last year, my bank, XXXX XXXX XXXX  in XXXX In, was invaded and a XXXX dollar phone transfer was made. On XX/XX/XXXX, a telephone transfer was made. The bank XXXX, when I told them about it-they said they had my info. However, I was at XXXX XXXX in XXXX recovering from XXXX XXXX on XX/XX/XXXX. I have documents to prove it. My emails, XXXX, business and job sites were hacked. 
6 months ago I made a XXXX payment to Care Credit. I never received another bill. My bank, XXXX XXXX XXXX  at the time, said the payment went through. But not to my account. Someone else was getting it. 
Today I received a letter from Synchrony Bank denying a Pay Pal Account. 
I did NOT DO THIS. 

I also received ed a bill from lawyers that said XXXX card was suing me for XXXX I know my XXXX email is being used and so is everything else I own. Phones as well It began with XXXX router being hacked in XXXX and still is happening
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2000.00} ; XXXX  XXXX XXXXBalance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some INACCURATE ADDRESSES left that need to be removed. Per FCRA section 605 you are required to remove any ADDRESSES listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold them accountable for they willful noncompliance. 
XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX; XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX, PA XXXX.
Product: Credit card or prepaid card

My wallet was stolen in XXXX. I believe it was the caretaker. Citibank claims that my caretaker was an authorized user on my credit card. I sent them paper work stating that he was removed. The caretaker got a cash advance deposited in his account. I recived a text message from citibank and immediately stated it was fraud. They stated they would stop the transaction but did not. This happened in XX/XX/XXXX. The caretaker left in XX/XX/XXXX. I called and made a police report. Due to my state of mind at the time, I did not respond to the police to my best ability. The credit card company sent this case to a collection agency. I have not seen the caretaker and I a fearful of his actions now. I thought he could be trusted because of his position as a XXXX police Officer but I was wrong. When I call the police, they would tell me its a civil matter. He just recently is using my address to get mail in which I informed the post office that he does not live here. I believe this is financial abuse..
Product: Checking or savings account

I opened a checking account listed as " XXXX XXXX Checking Account '' in XXXX of XXXX. The account was listed as " No monthly fee '' and did not have any minimum balance requirements so it seemed like a good option. 

I had made a transaction on XX/XX/XXXX, then XXXX year later in XXXX of XXXX I started to receive monthly dormant account fees of {$5.00} per month until I noticed this in XX/XX/XXXX. At this time I made a withdraw to avoid any further fees. 

Arvest claims to have attempted contacting me through the mail ahead of any fees being charged, but I only ever remember a piece of mail after I made the transaction to avoid any further fees, warning me that a transaction had been made on a dormant account. I am also enrolled in XXXX statements only but did not receive any notice over e-mail. 

I have never heard of such a fee at any bank. I contacted the bank by phone on XX/XX/XXXX at XXXX XXXX  XXXX, but the representative told me there was nothing that could be done to refund the {$25.00} in fees I had received.
Product: Credit card or prepaid card

On XX/XX/2017, a 30 delinquency was reported on my credit report, i called the credit card to inform that no purchase was made so no balance due, no payment to be made, The informed me that a monthly charge was hitting my account, even without my knolodge,. I calmly asked them to remove the negative information and they agreed and from that point on i was pleased with their customer services, fast foward the delinquency still showing on my account and i am hopeless at this point.
Product: Payday loan, title loan, or personal loan

Around the end of XX/XX/2017, I attempted to borrow money, however I did not borrow the amount they say I owe. I can not recall dates. I just now started to receive threatening calls from this company. Also, my account with my financial institution was compromised abd I had to switch accounts. My credit score is low and I was used due to my low income and vulnerability. I knew little of these types of loans, then I researched and I've paid more than what was put into my account. Now they're threatening me! I'm a single mom on a fixed income!