23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, I visited Wells Fargo branch # XXXX to withdraw {$1000.00} as small denominations. I was assisted by a teller named XXXX and received bills that were in poor and unusable condition. Multiple vendors refused to accept the bills, claiming it was counterfeit. I brought the bills claimed as counterfeit back to the branch and exchanged them for legitimate bills. 

On XX/XX/XXXX, I visited the same Wells Fargo branch to withdraw {$1000.00} as smaller denominations and was also assisted by XXXX. I expected to be asked how I wanted the change to be divided. However, XXXX handed me 10 {$100.00} bills without inquiring about my preference for the denominations. I requested smaller denominations and the request was fulfilled dismissively. The bills were unwillingly accepted by a vendor the same day because corners of the bills were ripped off. 

The experience of receiving dirty or damaged money, and unpleasant customer service has been consistent. Despite raising these issues with the branch multiple times, no changes have been made.
Product: Payday loan

I saw a commercial on tv with XXXX XXXX for cash advance. I applied for cash advance back in XXXX 2016, on the website and was transferred to lendgreen and they gave me {$800.00} that would be deposited into my account. They charged me a fee that I would pay back the amount of money I borrowed every two weeks, out of my check, I work for XXXX Florida, and that should be it. BUT, they have continuously been taking out money from my account after I have already paid back the amount of money used back in XXXX. They said they charge 700 % interest and I am stuck with it. That is NOT RIGHT, THAT IS CALLED PREDATORY LENDING AND IT NEEDS TO STOP. I was in a time of duress at the time I requested the money, to help pay my car note, auto insurance, and electric bill. I have already paid back the money, and I have notified them about disputing any further unauthorized charges, which is called FRAUD. This is unacceptable to XXXX people in their time of need, and extort money from my account. They need to be punished for what they have done to me, and others. Thank you.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Money transfers

I can confirm that Western Union ( WU ) is a very incompetent institution. I sent money to my father who is XXXX years old XXXX. He could not pickup the money after making 3 trips to the bank. The bank XXXX also could not release the money stating that they did not have the MTCN number. I am dealing with not XXXX but XXXX incompetent institutions. I called Western Union and their excuse is that my father 's name is similar to the person who can not use WU. What a stupid excuse! No one took the initiative to check the record of the history. Very little money for my father 's birthday and they made a big deal to take away my precious time to solve their problems because they are incompetent. A lot of people have the same names, especially the country I came from, that 's normal in XXXX. But not to release the money to an XXXX years old man who they know better to try and assist him, is absurd! I can not believe that between the bank and Western Union, no one could use the brain to go an extra mile to solve the problem. I 'm here in NY and solved the problem for these XXXX incompetent institutions. First WU sent a confirmation email saying my father can pickup the money ( strike one! ). Once you confirm with anybody, it means " a go '' yes? If WU could not release the money, they should have sent a very specific email stating they need a copy of my father 's ID for their future record so they will not release the money to a wrong person, so we all can solve the issue before my father 's trip to the bank, not after. This should have been stated clearly! Then my father took not 1 but more than a trip to the bank, 3 days in a row ( strike two! ). They still could n't figure out how to solve the issue. Then they got me involved ( strike three! ). With a high-tech going around, I asked my sister ( who lives in the XXXX country ) to take a photo of my father 's ID and send it to me. Between my sister and myself, we solved the problem and we always do. I then sent the email to WU staff member and request with a firm instruction to release the money immediately. This should have been done by the company, not an individual person. Like I said they should have sent a very specific email ( not a confirmation email ) prior to my father 's trip to the bank. So OK, security check, I get it. But not to communicate with me is a wrong strategy ; I am the sender. This is enough to confirm that WU is very incompetent and a bank can be even more incompetent dealing with them. Put two and two together, we got XXXX! No wonder the banks are failing! I 'm not surprised. The people who work at these XXXX large institutions take no initiatives to assist a customer. Lack of training? Maybe. This should be the next XXXX case study.
Product: Credit reporting or other personal consumer reports

Trans Union is reporting my credit score as XXXX. They claim that a bankruptcy from 7 years ago is the cause for the low score. In addition, they insist that their vantage XXXX scoring is better than both XXXX and XXXX  scoring system which both report my scores as XXXX and XXXX respectively. I have requested a resolution due to the fact they are reporting me as a poor customer when in turn I am a great customer with XXXX delinquencies in 7 years. They insist that their scoring sytem is superior to the other reporting agencies who report the same things. Trans union claims to be above the law.
Product: Mortgage

Roundpoint Loan Number XXXX I suffered hail damage on my home in midXX/XX/XXXX 2016. Submitted a claim to XXXX my home insurance company during the first week of XXXX 2016. XXXX issued payments for the same during the last week of XXXX 2016. Around XXXX XXXX, 2016 we fedexed to Roundpoint the XXXX checks and other paperwork as requested by Roundpoint for a disbursement from them to us. Since XXXX XXXX, Roundpoint has not contacted us even once regards disbursal of insurance proceeds. We have spent more than 5 hours on the phone with various Roundpoint reps and have got a variety of excuses but till date we do not have from Roundpoint any funds. We 've signed a contract with a roofing company and can not get our roof repaired due to Roundpoint not sending us our insurance proceeds. 
Initially Roundpoint pointed out a {$700.00} discrepancy in the paperwork which we addressed. The discrepancy is now down to {$63.00} and Roundpoint still refuses to issue payment to us.
Product: Credit reporting or other personal consumer reports

I am deeply concerned about Equifax 's noncompliance with the Fair Credit Reporting Act ( FCRA ). Specifically, they have disregarded my request for the removal of inaccurate accounts from my credit report, in direct violation of federal law. 

The problematic account details are as follows : ACCOUNT : XXXX XXXX XXXX XXXXXXXX - {$8800.00} - XX/XX/2020 I have informed Equifax multiple times about the inaccuracies in this account. They persist in reporting incomplete and incorrect information. Federal law mandates that consumer reports maintain maximum possible accuracy, per 15 USC 1681e ( b ), defined as " correct in all details ; exact. '' Equifax 's reporting falls short of this standard.

Furthermore, 15 USC 1681i ( 6 ) requires Equifax to notify me of the results of a reinvestigation within five business days, but they have failed to do so.

As the original creditor, I alone can validate this debt, which I do not. Hence, I demand the immediate deletion of these accounts from my consumer report.

I respectfully request CFPB intervention to ensure Equifax 's compliance with federal law : Conduct a thorough reinvestigation.

Provide written notice of results within the required timeframe.

Delete inaccurate and incomplete account information promptly.

Your involvement is crucial to rectify this matter, protect my consumer rights, and hold Equifax accountable for FCRA violations.

Also as I stated before Equifax actions seem like they careless or disregard the CFPB and federal law. As I stated before I am the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately :
Product: Credit reporting or other personal consumer reports

I applied for VA home loan and a Citi bank credit card liability showed up that I owe {$350.00}. I called Citi spoke with multiple people, last operator ID # XXXX at Citi stated since 2020 Citi is not collecting and paying the money won't make the liability fall off. The operator hung up on me and stated statue of limitations would not allow my {$200.00} security deposit to be returned to me or deducted from the total balance. So I can't remove from my credit report according to Citi!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get this item off my credit report so I can move on with my life. 1. XXXX XXXX ( Transunion and XXXX )
Product: Debt collection

I entered into a consumer credit transaction with only Prosper Marketplace Inc. in 2016. They have violated countless federal laws by collecting, attempting to collect an alleged debt and illegally sharing transaction details of a federally protected consumer with several other uninvolved parties and without my prior written consent. I have begun my private administrative process and attached below is my first Affidavit of Truth, Cease & Desist letter, Exhibits and Invoice for all there willful and negligent violations of federal law.
Product: Debt collection

I have contact Aargon Collection I have asked that they remove this from my credit report. They stated that I have to pay them. I have never heard of them and suggested that they go after my insurance company because I have insurance, I was told to send a letter from my insurance company stating that I was covered, I did and I dispute the charges off my credit report, it was taken off one of my reports but not the other they're trying to fight it. I have never signed a contract with them I don't know who they're. I was hospitalized at XXXX XXXX but not Aargon and it's violating my HIPP act at this point. I don't know them and they're refusing to remove the account off my credit report. How do you remove it off one and fight the other. I don't know these people.
Product: Payday loan, title loan, or personal loan

ON THE XX/XX/XXXX I FINISHED PAYING OFF ( 90 ) DAY LOAN FROM XXXX XXXX XXXX. I WAS TOLD THAT FULL BALANCE WAS DUE SINCE WAS A WEEK LATE DESPITE FACT THE I WAS GIVEN EXTENSION BECAUSE OF ILLNESS. AMERICAN FIRST FINANCE DENIED TELLING ME THAT NO SUCH ARRANGEMENTS WAS GRANTED. AFTER SEVERAL CALLS REGARDING THE BALANCE OWED FOR THE MONTHS OF XXXX AND XX/XX/XXXX AND PLACED ON MY CREDIT REPORT AS MISSED PAYMENTS. AMERICAN FIRST FINANCE ( SEE ATTACHED PAPER WORK ). AFTER NUMEROUS CALLS AMERICAN FIRST FINANCE OFFERED A PROGRAM CALLED ( XXXX XXXX ) IF MADE THREE STRAIGHT PAYMENTS THEY WOULD REMOVED ALL NEGATIVE INFORMATION FROM MY CREDIT PROFILE. I COMPLETE THE PROGRAM IN XX/XX/XXXX THEN I WAS TOLD THE NEXT REPORTING CYCLE THE NEGATIVE INFORMATION WOULD COME OFF MY CREDIT REPORT. ( 90 ) DAYS PASSED AND THE NEGATIVE INFORMATION REMAINED ON MY CREDIT REPORT. AT THIS POINT I FEEL AMERICAN FIRST FINANCE HAVE NOT LIVED UP TO PART OF THE ARRANGEMENT AND THEY CONTINUED TO REPORT MY ACCOUNT AS LATE. I SPOKE WITH THEM A COUPLE OF WEEKS AGO AND I WAS INFORMED THAT IT WAS CHARGED-OFF ON XX/XX/XXXX,
Product: Debt collection

Did not give authorization to discuss medical information to an outside or 3rd party.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX {$23000.00} this account is showing late payments for XX/XX/XXXX on my report according to consumer law US CODE 1681 definitions rules of constructions transactions are not to be included in this report XXXX XXXX XXXXXX/XX/XXXX {$9900.00} this account is showing late payments for XXXX and XX/XX/XXXX on my report according to consumer law US CODE 1681 definitions rules of constructions transactions are not to be included in this report
Product: Mortgage

We applied for a mortgage with People 's United Bank in XX/XX/2022. We have a loan commitment letter from them dated XX/XX/2022 offering us a 30 year mortgage with 3.875 % interest for a loan amount of {$280000.00}. The property in question is a seasonal property ( we were very clear when we applied for the mortgage that the property is a seasonal property ). The loan/sale was supposed to close XX/XX/2022. There have been innumerable delays because the bank would not provide us with information regarding who they would approve to do a title search and manage the closing ( We gave them innumerable names of reputable local attorneys and they declined those attorneys. At one point they accepted a name, but did not provide the information to the local attorney, and this led to significant delay since the local attorney was not able to do the work ). Eventually they determined they would use an out of state title company to do the work, but because of that companies delays we were notified that they would not close the loan on time. ( It should be noted that throughout this process we have always provided all information that they requested promptly ). They then attempted to charge us additional fees to extend the mortgage rate ( given that the only reason the closing will not happen on time is their own delays, this did not seem reasonable to us ( they have subsequently changed their mind on this, but it has left us feeling that we can not trust this bank to follow through with what it has agreed upon ). 

Today ( XX/XX/XXXX ) we received a disclosure to sign indicating that the bank was changing the terms and instead of the mortgage they agreed to in XXXX, they will now give us a loan of {$200000.00} at an interest rate of 4.0 %. It should be noted that the purchase price of the property is {$400000.00}, the appraised value was {$450000.00}. They are now saying they made a mistake and offered us the wrong product. It should be noted we were very clear about the type of property we were looking for a mortgage for in the beginning. It should also be noted that there was no attempt to reach out to us to explain this ( it was our phone call to them that produced this information ), they simply sent us a new set of disclosures to sign ( one day before the day when the sale should have gone through ). 

We can provide copies of documents and/or additional details as needed.
Product: Credit reporting or other personal consumer reports

PYOD LLC is reporting 2 unauthorized accounts on my credit report when they were notified that my personal information was compromised in the XXXX data breach. I am requesting that the following XXXX accounts are removed from my credit report immediately : XXXX and XXXX. Furthermore, under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. Please see the attached XXXX data breach claim and the invoice detailing the violation and amount and remit payment to the address listed on the invoice.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX   I sent in my XXXX  XXXX ID. My FTC report to Experian. I am reporting fraudulent information on my consumer report. I am following the law pertaining to 15 USC 1681c2. If Experian does not abide by the law and continue to report inaccurate information on my consumer report. I will file a civil suit for all violations.
Product: Credit card or prepaid card

I purchased a handbag online on XXXX on XX/XX/2021. When attempting to contact the seller regarding shipping and delivery information, the seller was immediately unresponsive and no longer a seller on XXXX. I attempted to cancel the purchase, and was unable to. I escalated the issue to Paypal credit because purchases are supposed to be protected through XXXX. I was also given erroneous shipping information via XXXX. I also checked the ring camera, and there is no evidence of delivery. The product never arrived, and I have been disputing this issue for months without a definitive resolution. I have been scammed by the buyer, and both XXXX and Paypal Credit ( Synchrony Bank ), are not responding. I am a customer who has been scammed, and should be protected by Paypal Credit and Synchrony Bank when these types of situations occur. I am current on my payments to Paypal Credit, and they are not protecting me as a loyal customer and consumer. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXt # XXXX, XXXX, Account # XXXX, XXXX, Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Last year during XXXX I defaulted on my credit bill payments as I was gone for XXXX and subsequently, upon release from XXXX, was unemployed for over 3 months. I got a job XX/XX/XXXX and have filly fully paid my barclays debt. However, my credit report still shows that I owe barclays a balance of over {$800.00}, although, I have proof I have paid my debt in full. I called them to request the credit bureaus be updated but they refused to help me or point me to anyone who could help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account Number XXXX {$9300.00} XX/XX/2019 XXXX/XXXX Account Number XXXX {$380.00} XX/XX/2019 XXXX/XXXX   {$100.00} XX/XX/2019 XXXX XXXX Account Number XXXX {$40000.00} XX/XX/2019 XXXX Account Number XXXX {$4400.00} XX/XX/2019 I've now also filed with the attorney general office. 

The above need to be deleted by law in accordance with section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute several erroneous inquiries that appear on my credit report. After reviewing my credit report, I noticed that there are multiple inquiries that were made without my permission or knowledge, and which are negatively impacting my credit score. 

According to the Fair Credit Reporting Act, any inquiry made on my credit report without my permission is considered unauthorized and must be removed. I request that you investigate these inquiries and remove them from my credit report as soon as possible. 

I have included a copy of my credit report highlighting the unauthorized inquiries for your reference. In addition, I have not authorized any new credit accounts or inquiries recently, and I have not applied for any new loans or credit cards that would result in these inquiries. 

I believe that the presence of these erroneous inquiries on my credit report is unfair and is negatively affecting my credit score. Therefore, I request that you remove them immediately and notify me in writing of your findings. 

Thank you for your prompt attention to this matter. Please let me know if you require any additional information or documentation to resolve this dispute. 

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Product: Debt collection

Approximately XXXX XXXX  XXXX I was contacted by text message for a debt that I do not have. I have bever done business with the company and is a phishing attempt as they included multiple links for payment option. Claimed to owe exactly {$48.00}. per month for 12 months. Message began with : " This message is from Spring Oaks Capital , LLC. '' Gave me an XXXX number to call a link to set up a payment plan. Another link for disclosures and an additional separate attachment preceding the text message. Claimed was in regard to a XXXX  XXXX account originated by XXXX XXXX  which is now owned by Spring Oaks Capital SPV , LLC. They are fixated on setting up a payment plan the links are the phishing that would infect or steal or information. Also, they used two different company names, then claimed they are debt collectors. To much information to try and confuse the individual. I have never opened an account with XXXX XXXX  or have had any indication of debt collection as I monitor my score. Text message originated from phone # XXXX. They claim XXXX XXXX  is now owned by them, if this was true they wouldn't need a debt collection. As they are acting on behalf of their own account and debt reconciliation.