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

Last year I borrowed {$400.00} from this Business. Below is the payment activity taken directly from their website, and it's still not over, I received an email today stating " Your Installment of {$240.00} will be debited on XX/XX/XXXX ( Tue ). You can also schedule a Pay in Full for {$310.00} '' This {$400.00} Loan will cost almot {$2000.00} to payoff. How is that possible in America? 

Date/Description/Principal/Cash Advance Fees/Finance Charges/NSF Fee/Total XX/XX/XXXX Payment ( {$79.00} ) {$0.00} ( {$160.00} ) {$0.00} ( {$240.00} ) XX/XX/XXXX Payment ( {$45.00} ) {$0.00} ( {$200.00} ) {$0.00} ( {$240.00} ) XX/XX/XXXX Payment ( {$36.00} ) {$0.00} ( {$200.00} ) ( {$30.00} ) ( {$270.00} ) XX/XX/XXXX Payment ( {$36.00} ) {$0.00} ( {$200.00} ) {$0.00} ( {$240.00} ) XX/XX/XXXX Payment ( {$3.00} ) {$0.00} ( {$240.00} ) ( {$30.00} ) ( {$270.00} ) XX/XX/XXXX Payment ( {$3.00} ) {$0.00} ( {$240.00} ) {$0.00} ( {$240.00} ) XX/XX/XXXX Payment ( {$48.00} ) {$0.00} ( {$190.00} ) {$0.00} ( {$240.00} )
Product: Checking or savings account

I had a transfer to my Wells fargo from XXXX for the amount of {$490.00} on XX/XX/19 but the bank said there were no transfer received. 
I called XXXX and had them have a trace that saying the transfer was completed but Wells Fargo did not acknowledge the trace.
Product: Debt collection

XXXX XXXX XXXX is the creditor. 

After 1 day past due they begin calling from numerous numbers and calls are often back to back. They also never leave a message and allow you time to respond. They have also called my work number despite being asked to remove that number from their file. 

The calls are incessant and unwanted. I have asked that all communication be through the mail and have had no success.
Product: Mortgage

A divorce decree was put into effect of XXXX XXXX, 2014. Courts ordered that XXXX XXXX XXXX is responsible for the mortgage. I have attempted resolution with US bank and they declined all attempts to remove my name from the mortgage. This is effecting my ability to own or purchase my own home due to his negligence. I have attempted to contact him on multiple occasions but refuses to assist me. The IRS also took my money on debts that he owes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordence with the Fair credit reporting act XXXX  Account # XXXX, # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A, States I have the right to privacy 15 U.S.C 1681 Section 604 A It also states a consumer reporting agency Can not furnish a account without my written instructions XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISPUTES XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX $
Product: Mortgage

I started my process to refinance with Freedom Mortgage with the option of cash out XX/XX/XXXX. I was told that this process could take up to 45 days to complete and to stay current with my mortgage payments and not to apply for any new credit. I was prompt in submitting any documents that were requested from me through out this process. Once I submitted my initial paperwork, everything was transferred from my loan officer to a customer care specialist. This young lady 's communication has been poor from the beginning. The only way I was able to get an update or told if more documentation was needed from me was when I called in to check myself. All communication has been initiated by me. There was a time when she was out sick and I was unable to reach at all. My loan officer has tried to get updates and share them with me whenever I reached out to him. I have been asked for my tax information at least 3 times. Verification of employment was needed from my previous employee as well as my current. I am still confused as to why. The appraiser had to come to my home twice because pictures of my attic was needed. The second time he came, I had to find the number and reschedule the visit XX/XX/XXXX. I was told that this was all that was needed. They claimed to not be able to reach the HR dept for the VOE of my previous employee. When asked to provide a contact, I obliged them but them never took the initiative to reach out. I took it upon myself to contact them so that they could submit documentation. At this time this was allegedly the only thing needed to go to final underwriting. That was submitted on XX/XX/XXXX. It is now XX/XX/XXXX and my file is still sitting and waiting for final review. As I stated before all of the extra documentation/red tape that I had to go through was never communicated to me until I called and asked questions. I did all of the legwork on this refinance and submitted every single thing that was asked and I STILL have not closed. It has been over 60 days. No one has been able to give a direct answer on a closing date or when my file will be review for final underwriting. I was under the impression that it was in underwriting and that is why all of this other documentation was requested. It has not even reached underwriting yet to be finalized. I feel like I have been given the run around through this entire process. Managers and customer care specialist do not return emails or phone calls in a timely manner if at all. There have been two kind individuals ( buffers ) throughout this whole process, but it seems that all they can offer is to send emails on my behalf. 
Furthermore, this is not my first time refinancing with Freedom Mortgage. My first time was a smooth and seamless process, but this time has been beyond frustrating. Again as of XX/XX/XXXX, I still have not closed on my refinance. 

Tentative Closing date : XX/XX/XXXX XXXX appraisal XX/XX/XXXX Asked to increase home owner 's insurance XX/XX/XXXX 1st appraisal complete XX/XX/XXXX 1st appraisal request property access XX/XX/XXXX Refinance began XX/XX/XXXX
Product: Vehicle loan or lease

I received a email from iLendingDIRECT stating they had pulled a credit report on me, did a hard inquiry and denied me for an auto refi. The problem is I never applied to them for a loan, never wanted a loan, and never gave them permission to consider me for a loan or pull my credit report. I have never had any dealings with them, never contacted them and certainly never asked them for a loan. They did call me wanting to give me a loan and I told them under no circumstances was I interested and to not contact me again.
Product: Credit reporting

This complaint is similar to the one I filed on XXXX XXXX regarding XXXX. I have since been advised that I should have simultaneously submitted the same against Experian and XXXX. I have submitted my complaints to them by combination of telephone, mail and fax but have received no response of receipt. 
The Experian Report No. is XXXX My Complaint : My credit reports list XXXX with " {$20000.00} past due as of XXXX XXXX XXXX ". This is termed a " serious delinquency '' and implies the loan is open and with payments overdue. It is seriously hurting my credit rating and ability to refinance. ln fact, I have no obligation to XXXX since XXXX lnXXXX, XXXX accepted documentation of that and granted me a jumbo ARM loan. Now l would like to refinance with a Fixed Rate loan but the credit reports by Experian, XXXX, and XXXX are blocking this effort. The fact are as follows : In XXXX, I co-signed the XXXX loan for my sister, XXXX XXXX in XXXX XXXX XXXX, Minnesota. ln the recession, her pay was reduced. XXXX staff advised that we could restructure the loan slightly so she could make payments. I helped her with several payments as we waited for XXXX to work with us. Rather suddenly, XXXX announced that it was foreclosing. Our case was not isolated. XXXX was found to have wrongly written and made loans, wrongly managed them, and wrongly reported on them by several States Attorney Generals, and in a US District Court. My sister received compensation from XXXX following the state and federal litigation. The total compensation was the equivalent of a few loan payments and trivial compared to losing home by my sister and harm to credit for both of us. She seeks no further compensation and her credit has been largely restored in the past two years. 
However, my credit rating is seriously harmed and I can not qualify for the Fixed Rate Loan I would like to replace my ARM. My preferred potential lender states that even though all of my bills are regularly paid including past and present mortgages, they rely on the credit report ratings which will continue to be hurt by this erroneous report, apparently by XXXX as another example of its sloppy reporting finding of the Federal Court. I need my credit reports clear of this approximately 6 year old charge of a serious delinquency on an outstanding loan. Please help. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

[ Date ] [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, ct, XXXX ] [ XXXX XXXX XXXX ] [ ] RE : Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act [ Description of fraudulent transaction/account ] [ Dates of fraudulent transaction or Account Number ( if known ) ] Dear Sir or Madam : I am a victim of identity theft.. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent [ XXXX  ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. 

Enclosed with this request is the following documentation, as applicable : 1. I have Proof of my identity : i send A copy of my drivers license, ; and 2. i send Proof of my claim of identity theft : A copy of the police report about my identity theft ; and A completed and signed FTC Identity Theft Report or alternative affidavit of fact. 


Please provide all records relating to the fraudulent [ transaction/account ], including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address. 

[ If applicable : In addition, I authorize the law enforcement officer who is investigating my case to submit this request on my behalf and/or receive copies of these records from you. The law enforcement officers name is in the police report I send, address and telephone number is : If you have any questions concerning this request, please contact me at the above address or at XXXX XXXX
Product: Debt collection

The following statement consists of the information on the matter of the XXXX XXXX  account that we have gathered so far. 

After the statement there will be a few items we would like you to address. 

The XXXX XXXX statements that were emailed to us lists our address as a p.o. box address in XXXX XXXX S.D. However, we have never lived or even visited XXXX XXXX S.D. When we looked further into that p.o. box online we discovered an additional p.o. box in XXXX V.A. we were also unaware of. When we researched the new p.o. box we discovered an unknown owner that shared the p.o. box in XXXX and owned another p.o. box that shared a close proximity to the XXXX XXXX p.o. box. 

We have never received any statements prior to those you sent, upon request, thus we had no prior knowledge of the account until your company called. 

According to XXXX XXXX, payments were made from XXXX, XXXX through XXXX, XXXX, with payments ending on XXXX, which corresponds with the information you provided. However, our bank has no record of either themselves or us, the account holders, stopping the automatic payments. 

Additionally XXXX XXXX shows payments being made on XXXX and XXXX of XXXX but there is no record of payment for those two months in our bank records. 

Finally, XXXX XXXX states that the payments should have been XXXX XXXX dollars but the office depot statements you emailed to us only show XXXX XXXX dollars as payment due. 

In conclusion we have several requests for you to look into. And they are as follows. 

1 ) We request a list of all purchases made since the opening of the account in XXXX till the last purchase made in XXXX of XXXX. 

2 ) Find out why the account was closed and who authorized the closure. 

3 ) What is the location where the account was activated in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX TX XXXX Address Information on this item has been updated as shown above. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated wrong address XXXX XXXX XXXX Bank  Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Leasing and Rental Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX not mine inquires XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status! Open Payment Status Current, was past due 30 days Status Updated XX/XX/XXXX Balance {$4200.00} Balance Updated XX/XX/XXXX Original Balance {$16000.00} Monthly Payment not mine XXXX XXXX XXXX XXXX alll not mine
Product: Debt collection

The company name is XXXX and XXXX XXXX I never did business with XXXX and XXXX and I never game them my personal information but for some reason they have all my personal information. I did business with tera boost media and XXXX and XXXX is trying to collect money on there behalf. XXXX boost was supposed to do advertising for me but I canceled with them because they were not honest about the advertising they were supposed to do for me. I paid them for XXXX months and I canceled the third month with them. XXXX boost was oo with me canceling the subscription with them. XXXX years later I see XXXX and XXXX on my credit report. When I called XXXX and XXXX i explained to them that I did not owe any money to them XXXX XXXX canceled my advertising and they took the ad down and we went our separate ways so I do not owe XXXX dollars because they only advertised my ad for XXXX months and they got paid for those XXXX months. We did not have contract it was a subscription that could be canceled at any time. Also if it was a law abiding contract then that means I needed a lawyer present which I did not have XXXX. This company XXXX and XXXX is a scam to collect debts from people that they do not owe. I do not owe XXXX and XXXX any money.
Product: Bank account or service

I applied for a checking account ( Citigold ) with Citibank online on or about XXXX XXXX, 2015. Due to glitches with their computer system, I was not able to complete the application for several days. The account fee is {$30.00} a month ( first two months of fees are waived ), and I also submitted a code to obtain XXXX Citibank " Thank You Points '' upon completion of qualifying activity ( which consists of paying XXXX bills online for XXXX consecutive months ). ( These points would be worth {$520.00} in airline tickets if I booked through Citibank 's travel website, so there is definite value here. ) Yesterday, I received a rejection in the mail. The letter stated that the reason for the rejection was due to information contained in my XXXX credit report. I immediately pulled up the report, reviewed it, and found nothing to warrant the rejection. My credit score, which I obtained from Citibank itself ( which is a service they provide to holders of the Citi XXXX credit card ) is XXXX ( out of XXXX ). Clearly, it looks like the Citibank rejection was just a ruse, and I believe they acted in bad faith by placing the rejection based on information in a credit report which clearly does not support their claim.
Product: Money transfer, virtual currency, or money service

I was scammed numerous times by the company Zelle due to rampant fraud that has transpired through the last couple years of this app becoming popular. In XX/XX/year>2020 I was defrauded out of {$2100.00} from a Zelle payment which I fought really hard to get back but was ultimately told that I would never see the funds again. This is before the messages began to pop up about not receiving funds.
Product: Credit card or prepaid card

This account with BANK OF AMERICA with account number XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX, XXXX and XXXX Bureaus and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.
Product: Debt collection

the problem is with a debt from a vacation club membership in 2019 in the state of south carolina they offered me a vacation timeshare. that I was going to buy but I couldn't do it anymore and I canceled the purchase even though I lost some payments that I made. but after XXXX years I receive a letter from some debt collectors, who tell me that I have to pay for the use of a credit card to make the advance payment for that membership, with a card that I have never had or with an account of credit that I never requested to make that payment, they sued me, for that reason I responded, to the demand and even so they took me to court and even though I explained the situation in court, the judge agrees with the collectors not because they have reason, if not because I supposedly did not file an affidavit, and now they send me a letter threatening me that if I do not contact them they will open a lawsuit to charge me, and it is that I do not understand why they want me to pay for the use of an account or a credit card that I do not have or authorize and that apart from that I do not receive anything for the payment of that amount that they want me to pay, I would not even receive the membership that I do not want or wish to buy and, apart from that, they take me to court in the state of North Carolina where I do not That purchase was made, my XXXX is not very good so I would like you to guide me on what I can do to be able to face and resolve this because it seems unfair to me that they want me to pay them a loan that I did not request and that I did not sign any document with the people who want to charge me and apart from paying them for nothing because I do not receive any benefits for paying that money that I did not request or use
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX card account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX  account number XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX service account # XXXX, has violated my rights . 

1 5 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, 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. 



XX/XX/XXXXAccount number : XXXX - IDENTITY THEFT XX/XX/XXXX Account number : XXXX - IDENTITY THEFT 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

XX/XX/XXXX, I was approved for an Auto Loan through my financial institution ( XXXX ). After researching vehicles, I test drove a XXXX XXXX XXXX-I liked the vehicle. To give my choice consideration, an hour or two after the test drive I went back to XXXX XXXX XXXX XXXX, XXXX IL, XXXX ( ( XXXX ) XXXX ) : to begin negotiations. <P/>I settled on a price. After a drawn out process with the salesman, I was then taken to the Finance Manager ( XXXX XXXX ) who was inappropriate and unprofessional insulting XXXX and my loyalty to them. I rejected all offers for other financing options and refused to sign the loan application he had prepared befor I sat down indicating " I had to sign it! '' I DID NOT sign nor authorize XXXX XXXX or any other auto dealer to run or prepare a loan application on my behalf. XX/XX/XXXX I received a rejection letter from XXXX XXXX regarding a loan I had applied for. Loan application # XXXX. I called XXXX XXXX but they would not give me any information other than the car dealership name regarding this issue. I was told to contact the dealer. <P/>I am sure you can understand for the safety of myself and my family ; with regard the mechanical readiness of the purchased vehicle I refuse to do so. <P/>Furthermore, I also received a credit card for an AUTO purchase with a line of {$7500.00} XXXX dollars. This offer I discovered is from a XXXX XXXX. Some how this is associated with XXXX XXXX or the value extended to this organization. <P/>I have been the victim of TAX fraud in the past ; both my banks in the past week have upgraded and increased my security measures regarding my accounts : this is an indication my information is being compromised. <P/>Please I implore you to look into this on my behalf. <P/>Your interest is greatly appreciated. -- -- - Respectfully XXXX XXXX XXXX