23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Opened a payday loan with Cash Call in XXXX paid on the loan until I lost my job in XXXX. Informed Cash Call that I had lost my job and was un-employed and displaced. Per original attorney ( who is now deceased ) account was closed. A new attorney has purchased the debt and has re-opened accounts and is garnishing my wages. I have not been served with any paper work from XXXX to XXXX. I need to know how to proceed. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received a letter from Huntington Bank XXXX, Ohio. It was a loan denial. The letter states that on XXXX XXXX I requested a loan in the amount of {$9000.00}. I did not request such a loan. I did not fill out nor sign a loan application. I had at the time a loan on a car with them. I did however accompany a young lady by the name of XXXX XXXX who did apply for a {$9000.00} loan. I mentioned that if she needed a co-signer I would do it for her. The idea was to have her assume the loan. However the denial letter she got ... has the same application ID as my denial letter. As well as requesting my credit report without my signed permission reduced my score from ( then ) XXXX to XXXX. In so doing sighting that for one " I had Frequent Delinquencies. I complained to the XXXX XXXX XXXX XXXX Ohio and with the banks headquarters and the local branch here in XXXX XXXX. I have one been contacted by the XXXX XXXX by phone and letter. The letter states that according to their records that I had applied for a loan. In a telephonic response to my letters I was told that I had Indeed applied. My stated response has been the same. Show Me The Application. I was even told I couldn't see it because the loan had been denied. Answer : There is none and they are continuing to LIE. I did also challenge the score with all 3 credit agency 's. Since I have found out thru a loan inquiry that the matter was settled with the company. My score was elevated to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

FOR THE PAST 8 MONTHS I HAVE BEEN TRYING TO RESOLVE THIS MATTER WITH THE BUREAU AND THEY ARE NOT COMPLETING THE INVESTIGATION, THEY ARE NOT PROVIDING SUFFICIENT EVIDENCE, AND I AM A VICTIM OF IDENTITY THEFT, I HAVE GIVEN MY POLICE REPORT MY FTC REPORT, I FILLED OUT THEIR REQUIRED AFFIDAVIT AS WELL AS WELL AS NOTARIZED THE DOCUMENT AND THEY REFUSE TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, I AM IN THE MIDDLE OF TRYING TO REFINANCE MY HOME AND THESE 2 ACCOUNTS THAT ARE REPORTING ON MY CREDIT REPORT ARE NOT BEING REMOVED WITH ALL THE CORRECT INFORMATION THEY HAVE RECEIVED. I HAVE TRIED SEVERAL ATTEMPTS AND THEY SIMPLY ARE NOT COOPERATING. WORST CUSTOMER SERVICES REPRESENTATIVES AND CUSTOMER SERVICE BY EXPERIAN AND XXXX.
Product: Debt collection

I checked in to the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) twice, once in XXXX and once in XXXX. Because I did not have insurance and was unemployed at the time, on both occasion I explained my situation to the front desk staff at each location. They both told me I will not be charged as they are making the notes. It seemed strange to me at the time, but I trusted them. Once I started working and tried to apply for a car loan, it was brought to my attention by the dealership that I have a negative account in collections for a total of US {$1700.00}. I was really shocked, so I checked for myself ; only to trace it back to the hospital. I called the collections Amerifinancial Solutions phone XXXX XXXXXXXX, and I was told that this account was handed over to them by the XXXX XXXX XXXX XXXX XXXX  for unpaid debt. I was so traumatized ; I asked the agent what I can do to fix it. She said if I can come up with {$1000.00}, she will do a deletion. I asked her to hold and reached out to a couple of friends. I had {$700.00} saved up, so I only needed XXXX which I was able to obtain from my friends. The agent promised me that the deletion will take anywhere from 30-60 days. Two weeks ago, to date, I checked my credit, and the account was settled and removed. I breathe a sigh of relief. Only to know that my happiness was short lived as I was hit with another debt collection account from the same facility for the same amount of US {$1700.00}. I am devastated and this has caused me to have severe mental breakdown. I have the receipts to show that I did settle the account with collections company and if it is for the second visit, I am kindly asking that this be removed from my credit as I do not have the means to pay and I was told I did not have to. In fact, I will send a screenshot of the my chart patient payment summary to show that it has a XXXX balance. I am pleading for assistance to get this account removed from my credit and I wish to receive no future communication from Amerifnancial Solutions, XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX I was never even given a written notice of my rights to dispute the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I requested Equifax to conduct an investigation to an item on my credit score that I did not recognize as mine. According to the Fair Credit reporting Act, the credit bureau has 30 days to look into the dispute, based on the information provided. If its not verified within 30 days, then the credit bureau has to remove [ the disputed error ] from the credit report. Today is the XX/XX/XXXX and Equifax failed not only to do the proper investigation but also did not remove the inaccurate or fraudulent information. 

The account Name : 1. XX/XX/XXXX - Account number : XXXX The above listed item is completely unauthorized by me and most likely fraudulent. Therefore, it is a very serious error in reporting. Please delete the above misleading, inaccurate and fraudulent information and supply a corrected profile to all creditors and reflect the new and accurate information on my credit file as soon as possible. 

Once again, the credit reporting bureau failed to provide any prove that the account belongs to me or was authorized to me or any financial instrument signed by me. I have never received any letter confirming the receipt of my complaint nor any letter stating that the agency started an investigation required by law and that had to be finished within 30 days of the receipt of my several letters. Again, I heard nothing back and it has already been over 6 weeks.
Product: Credit reporting or other personal consumer reports

They added another fraudulent late of 120 days to XXXX XXXX XXXX XXXX XXXX credit card when I submitted proof of no balance due for the XXXX payment because the account was paid in full in XXXX. The disregarded this information stating they verified it as fact. I asked for proof of factual verification and none was provided for any late payments verified. I also showed proof of balance and they are reporting incorrect balance of over XXXX XXXX.
Product: Credit card

Home Depot represtative told me that there would be no interest on the balance as terms of opening their account, so I purchased a small refrigerator costing around {$390.00}. But they added interest on the balance from the very begining which was disputed. 
I made many payments, but they added huge sums of interests and late fees toinflate the total amount but I still offered {$200.00} to settle for full amount. 
Now they do n't to deal with me or discuss about resolution as they have transferred theaccount to another entity. They must give me a chance to resolve it.
Product: Debt collection

TAKE NOTICE 15USC1666 CORRECTION OF BILLING ERROR XXXX DIDNT CREDIT MY ACCOUNT VIA XXXX XXXX ON THE DIVIDEND ACCRUED ON THE TREASURY BOND FOR ACCOUNT ENDING IN XXXX. This billing error is for past current or future certificate of indebtedness relating to the contract that binds both parties. XXXX XXXX XXXX is in violation of securities fraud as they are not honoring the indentured trustee act they are bound to as per XXXX form in their sec filing. According to the SEC ACT of XXXX  any acts of dishonor shall be considered a violation and breach of contract.
Product: Vehicle loan or lease

Subject : Urgent Request for Debt Forgiveness Due to Financial Hardship Dear XXXX XXXX, I hope this message reaches you with understanding and compassion. I am writing to respectfully request your assistance with a matter that has become deeply overwhelming for me. Due to the ongoing effects of the COVID-19 pandemic, I have found myself in an extremely challenging financial situation.

Since the Pandemic, I have been unemployed and struggling to keep up with even my most basic living expensesrent, utilities, and daily necessities. This hardship has left me unable to make any payments toward my outstanding balance. Despite my best efforts to find new employment and manage my finances responsibly, the current circumstances have made it impossible for me to stay afloat. 

Given the unprecedented challenges brought on by the pandemic, I am kindly asking you to consider forgiving this debt in full. I truly believe that this relief would allow me to focus on regaining my financial stability, and ultimately positioning myself to contribute positively in the future. 

This is not a request I make lightly, as I fully intend to meet my obligations once I am back on my feet. However, at this moment, I am asking for your understanding as I navigate this difficult period. I would be deeply grateful if you could consider this request and provide me with the financial relief that could make a world of difference in my situation. 

Please let me know if further documentation or information is needed. Thank you so much for your time, consideration, and understanding. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On Saturday, XX/XX/XXXX, I deposited a personal injury settlement check in-person at a Chase Bank branch . I was told that the check processing would begin on the next business day, XX/XX/XXXX, and I was given a number to call to ask to have my check hold released. I called the number on XX/XX/XXXX and was told that it was too early to have the check hold released, and was told to call back the next morning if I did not yet have access to my funds. On the morning of XX/XX/XXXX, I did not yet have my funds, so I called the phone number once again to inquire about having my check hold released. I was told that the issuing bank ( XXXX XXXX ) had put an alert on the check, causing the hold to remain until XX/XX/XXXX, and that Chase could not override the alert. However, the representative advised me to contact my attorney 's firm to see if someone there could contact XXXX XXXX  directly to have the alert removed. I did just that, and XXXX XXXX  released the funds to Chase that same morning. Once my attorney told me that the funds were released, I called Chase back to ask again about having the check hold removed. After being told the hold could be removed by XXXX representative on XX/XX/XXXX, and again by another representative on XX/XX/XXXX, this time I was told the hold would remain until XX/XX/XXXX. I asked if the hold was going to remain even once Chase received the funds, and the Chase representative said yes. This made no sense to me as the check was a cashier 's check and the funds were coming from a client trust account. I also asked for more information regarding how Chase verifies check funds that are sent to them, and the representative said she could not tell me that information. Lastly, I asked if part of the funds could be released while I waited for the hold to be removed, and my request was denied. Overall, it's been a very frustrating few days as I was told by XXXX Chase representatives that the hold could be released once the funds were verified and received, but then I was later told that the hold was not going to be released. Now I have to wait until XX/XX/XXXX to receive my long awaited settlement funds, even though Chase has already received the funds on their end.
Product: Bank account or service

I and my wife have a checking account and safe deposit boxes with Wells Fargo ( Crown Checking ) for the past several years. I and my wife have created a living trust for which we are both the trustees. We wanted to transfer our checking account and our safe deposit boxes to the name of the trust. The bank has refused to transfer either the checking account or the safe deposit boxes to the trust. They are asking us to open new accounts. With the new checking account, we do not get the same benefits that we are currently getting on our grandfathered checking account. Also, on the safe deposit boxes, we have been asked to forfeit the remaining terms of the boxes and open new ones. it appears that the bank is cheating us out of current benefits we get on our checking account since they are willing to open new accounts for the trust but unwilling to transfer the existing account to the trust name. All my other banks, mortgage companies, etc have been able to transfer account without any problems. 

I have also requested the bank to give me a written explanation for not being able to transfer the account to a trust account. However, i am being told that it will take them about 60 days to provide a response and the representative is not even sure what the response would be. This seems to be unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint again just to make sure that when I update my XXXX credit reports next time these items will already be removed. I repeat, I am a victim of identity theft, and these items were not created or authorized by me. I am requesting that this information be reviewed for completeness, accuracy, and appropriateness in compliance with the FCRA. Instead of sending the information, please ensure that a thorough investigation is carried out, and this items will be DELETED. I would appreciate a prompt response indicating the activities that will be taken to fix this situation. If I do not receive a response, I shall be forced to utilize my legal rights and take legal action : XXXX : XXXX XXXX XXXX XXXX, XXXX, KY, XXXX XXXX XXXX XXXX, XXXX XXXX, IL, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX  XXXX Balance : {$330.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX & XXXX XXXX XXXX XXXX : {$360.00} XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX TRANSUNION : XXXX, GA, XXXX XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX : {$0.00} CAF XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$2100.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$330.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple unauthorized inquires on my credit report. Pursuant to U.S Code 1681b ( 2 ). Permissible Purposes. Consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. The following is a list of unauthorized/ unrecognized inquires : XXXXXXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I discovered on my bank statement that I had been charged {$29.00} a month that I did not sign up for since XX/XX/2023. Today I tried to get info, but operator said system would not respond. I then used the chat option, and again was told I could not be helped with a refund for 6 months. I feel I was defrauded. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX AT XXXX XXXX XXXX XXXX TX XXXX HAS BEEN SENDING ME COLLECTIONS ACCOUNT IN THE AMOUNT OF $2,050.00,I DO NOT KNOW THIS COMPANY I HAVE NEVER DONE ANY BUSSINESS WITH THIS COMPANY,THIS COMPANY DO NOT HAVE A CONTRACT WITH MY WET SIGNATURE ON IT,BY LAW ANY ACCOUNT THAT CANT BE VALIDATED HAS TO BE REMOVE FROM THE CREDIT REPORT,IF YOU CANNOT PROVIBE ME THE ORINGNAL CONTRACT WITH MY SIGNATURE ON IT THIS MISLEADING ACCOUNT MUST BE REMOVE FROM MY CREDIT REPORT......
Product: Credit reporting or other personal consumer reports

I am formally filing a complaint against the three major credit bureaus, XXXX, Experian, and XXXX, for their failure to investigate inaccuracies on my credit report regarding XXXX XXXX XXXX, despite multiple attempts on my part to rectify the situation. Enclosed with this letter are copies of my credit reports from all three credit bureaus, which clearly indicate the erroneous information associated with XXXX XXXX XXXX. Despite my repeated efforts to dispute and correct this misinformation, none of the credit bureaus have taken the necessary steps to investigate and rectify the issue.
Product: Money transfer, virtual currency, or money service

A customer tried to send the sum of {$2200.00} on XX/XX/XXXX to my PayPal business account and was 100 % sure there were no exorbitant fees involved. Eventually, I got charged {$65.00} and the money has been put on hold until XX/XX/2020 for no reason whatsoever. 

PayPal literally has no customer service. Whenever you call their number XXXX XXXX XXXX XXXX XXXX, they don't connect you with an agent. You can't even send them an email. This is just wrong in every way possible.
Product: Bank account or service

my account was hacked i notified the bank when i realize my money was taken out and a fraudulent check was put in my account.the bank reimbursed me now telling me the money withdrawl was ok. which wasnt the case. it was bank of America
Product: Money transfer, virtual currency, or money service

XX/XX/2019 XXXX XXXX ( DST ) MoneyGram Reference # : XXXX In the amount of {$50.00} with a {$6.00} Transfer= {$56.00} debited from my XXXX XXXX credit card. I sent this payable to my son, who has the same last name and resides in Hawaii, which means it was sent within the United States, from one state to another state. 
MoneyGram processed the request and assigned it a reference number for pickup and showed it as " available '' when checked online. However, when my son tried to pick it up he was told that it was not going to be processed. It was still appearing as " available '' on their website. 
This is probably the fourth or fifth time that this has happened and the amounts are not huge usually about {$20.00} to {$30.00}. They do not actually credit my credit card account unless and until I call them and request it. My bank approves the initial transaction and they for whatever arcane reason decide it should be rejected. It is their Fraud Department who makes this decision. There does not seem to be any rhyme or reason for their actions and whatever their reasons are-is a closely guarded secret. And there does not seem to be any way to reach these " Guardians of Fraud ''. This had happened a few times a couple of months ago so I stopped using them then I started to again and everything was alright until the last week. XXXX XXXX does not assign a transfer number unless a transaction has actually been approved by the sender 's bank and by XXXX.
Product: Mortgage

Last email I sent to Shellpoint mortgage tonight. 

Good Evening, I have three mortgages with your company and out of those three mortgages I have attempted to set up automatic payments three times! 

I thought we finally did it this third time. That everything would finally go smooth but once again I have received another letter from Shellpoint stating that they have not received payment for one of the properties. 

This is beyond frustrating. 
I received late remarks on my credit report for XXXX and XXXX for two of the mortgages held this year and for the third property there was a 30 day late remark left for the month of XXXX in 2022. 
This happened after I had requested automatic payments to be set up and I was still on XXXX XXXX orders with the military which I have submitted to your company with requests to remove these derogatory remarks from my credit report! I was under federal protection by the XXXX XXXX XXXX XXXX XXXX XXXX. 

This is my final request before taking legal action against Shellpoint for this gross negligence and for continuing to ignore my requests and follow the law. 

If there are any further questions I urge you to contact me directly at XXXX or respond to this email with an explanation why you have not taken the steps necessary to repair my good name and eliminate the derogatory marks from my credit report. 

Respectfully, XXXX XXXX XXXX XXXX Loan number XXXX for XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN CREDIT REPORTING AGENCY FAILED TO REPORT THE CORRECT INFORMATION ON MY CREDIT FILE FROM XX/XX/XXXX TO XX/XX/XXXX. THE AGENCY HAS STATED THAT TODAY XX/XX/XXXX THERE ARE NO ACCOUNTS, WHEN THERE ARE CURRENTLY THREE ACCOUNTS NOT BEING REPORTED.
Product: Credit reporting or other personal consumer reports

The creditor is Hyundai financial motors falsely reported eight missed payments on my credit report that are not accurate due to the fact that I was in a payment deferment and I was told that those will not count as missed payments. Ive for the past two years have been trying to get the late payments removed, and they will not remove them from my credit report even though they see in their system that I was put into a hardship program to prevent this from happening to me here are the dates for payment referral XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX  XXXX : {$0.00} XXXX XXXX  XXXX : {$0.00} XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two fraudulent inquires on my credit file that I asked t be removed due to them not being soothing that Ive applied for nor did I apply for them in the pass the two inquiries are XXXX XXXX XXXX inquiry date XX/XX/XXXX and XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account for {$30.00} appearing on my Equifax credit report, but no other credit report. I believe it is a debt I paid a long time ago, but the Equifax report does not have enough information to accurately identify the creditor and account. I disputed this with Equifax, but their online system will not allow me to see the results of the dispute. 

The amount is negligible. I would pay it again just to clear the credit report, even though I don't owe it. But Equifax does not even provide enough information for me to be able to do that.