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

Omni violated the Military Lending Act ( MLA ), Electronic Fund Transfer Act ( EFTA ), and Consumer Financial Protection Act of 2010 ( CFPA ) in connection with making installment loans. 

I received my loan from Omni Financial under the name XXXX XXXX before getting married. Once I received my loan from the company, I was asked that I repay by allotment. I have been repaying my loan by allotment for over 3 years and was recently told that this was a violation. 

Please let me know the proper steps that I need to take in order to get this resolved. 

Thank you.
Product: Payday loan, title loan, or personal loan

When I took out the loan I first had asked for {$1500.00} I was there with someone and asked if they could co sign so they would be responsible she said no we can only put you in the loan I had to pay to get the loan and it was not credited to my account when I was presented the document I asked if I could take them and read them and she loan officer preparing the agreement on a computer with the screen facing the loan officer. 
The loan officer had Me accept the agreement on the computer, but the loan officer did not turnover control of the computer to me so I could see the entirety of the agreement i was accepting. So she summarized it for me saying I will receive pages through my e mail she said she will send them to me and I have 3 days to read them and give back the money I never received the paper work to my email or anything I dont know what I agreed to. I then got calls every day 5 times a day to extend my loan to give me time to re pay i had to pay a fee each time and I was told it would go against my loan repayment and when I went to pay the amount due on du date she says non of the payment goes towards my loan its only to give me more time to pay which that was not told yo me in the beginning I was told to pay that amount and it would be tapping my loan I still dont have paper work or anything to explain my fees and when I will be able to pay my loan off by making these payments the payments are higher than my car note and my vehicle isnt even worth what I was able to borrow.I ended up maxing out and still no time to review anything titlemax intentional misconduct I have given them over {$500.00} and nothing is towards my loan I dont understand and cant pay when I went to look for dates and document they closed My title max account and nothing is linked to it and they wont let me back in my naccount saying I need to make a payment first
Product: Credit reporting or other personal consumer reports

A XXXX credit account have been removed from my XXXX XXXX, due to the in ability to submit requested documentation such as original signed paperwork but for some reason experience is refusing to remove it. I have disputed this credit several times with experian but instead of deleting it I have become a personal Target for the experian company they have un accurately reported my credit numbers which has improved through other credit bureaus, but for some reason keeps dropping with experian examples such as dropping my credit a whopping XXXX points for a late payment from a account that I was just notified about I had requested that experian did not share my information for credit reporting for such bias reasons and every single time I try to get in my experian account Im mysterious locked out I have glad to reset my password 6 times in XXXX days, I have also accused this company of being racially charged when it comes to credit reporting on XXXXXXXX XXXX  and my credit dropping XXXX points for XXXX late payment is proof enough I believe Im being targeted by this company
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I filed a complaint after receiving an XXXX alert that Wells Fargo added derogatory information to my XXXX credit report just hours after I lodged a complaint against it with the Consumer Financial Protection Bureau ( CFPB ). 

Today ( XX/XX/2023 ), I received another alert that Wells Fargo has engaged in similar conduct by adding derogatory information to my XXXX credit report. 

Federal consumer protection laws prohibit retaliation against any individual who files a complaint with the CFPB. 

In addition, Wells Fargo continues to falsely report on my credit report that I had a " Wells Fargo Preferred Customer Account ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account at Santander Consumer USA became seriously delinquent after I lost my job. After receiving an employment settlement, I contacted the company to pay it off. We agreed on a settlement amount of XXXX on XX/XX/2018. They updated the credit bureaus that the account was closed/ charged off as bad debt that very same day. When I got the credit alert, I called the company back on XX/XX/2018 and said that I did not want the settlement and I wanted to catch up the payments and pay off the loan as agreed. An employee from Santander helped me to take the payment to pay up all the past due payments to have the account become 'current ' in their system. 

The account was re-opened and I have complete online access to my records. I've made two more payments since for XXXX and XXXX. The system is showing my next payment due as XX/XX/2018. Same account - same payment amounts, same payment history. Their system is showing I have caught up all the payments and have a total of 53 payments made with a loan maturity date of XX/XX/2018. However, they refuse to remove the charge-off status. I've had my complaint about this escalated as far as I could to resolve this issue. I have also disputed the status in XXXX, XXXX, and XXXX. 

I just got off the phone with XXXX XXXX from XXXX ( XXXX XXXX ) She told me they are reporting the account as open but she would not give me any documentation to say that. She advised me to get with each of the credit bureaus and dispute the status because they are reporting the account as open. However, there seems to be something very, very, wrong here and I think they are committing tax fraud or cooking their books. How can an account be open and current with all the payments caught up and the account shows in good status AND also be something they are charging off their taxes at the same time? They will not remove the charge off. They are saying my account can be open and current AND still be a charge off. Im going to pursue and make a complaint with Consumer Protection Agency and I dont know who else I would need to contact, because the account should be listed as previously charged off and now current or something like that. My original loan is open and in good standing with them. Im sure they are violating the law at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Note : I received a message an account already existed for me, but this is the first time I used my new email to file a complaint with CFPB ; more proof of Identity Theft! 

On or around XX/XX/XXXX I was denied credit because of fraud & /or identity theft getting reported by Equifax lowering my credit score. 

I lived in XXXX, XXXX for over a year so it is impossible that the information is accurate, especially because all my imported USA property was stolen abroad & upon my repwiatriation in XXXX. 

This is blatant retaliation discrimination ( as a Born Female Native American Social Media Influencer I have been victimized on & offline by " cancel culture '', notice the date this occurred was XXXXXXXX XXXX XXXXXXXX & the TX border is getting invaded most from Mexicans which even Mexican-Americans here legally are protesting have it end & President Biden is discussing it with the President of XXXX ) which I have attempted to dispute with all my credit bureaus in the past directly and that is more trouble than it is worth ( waste of time & money ), so I'm filing a complaint with your organization. 

XXXX XXXX used my Equifax credit report to justify denying me continuance of credit with my XXXXXXXX XXXX XXXX XXXX XXXX. 

The following information was given as reasons, but all of it is inaccurate : " Lack of real estate secured loan information Balances on accounts too high compared to credit limits and loan amounts Too few accounts paid as agreed Not enough balance paid down on installment accounts '' Concisely, to prove the inaccuracy of this information I do not have a house nor any loans in my name at this time that would effect my credit ( the student loans I have are deferred or deferrable ). 

My XXXX XXXX XXXX credit card is the only account I had & I paid it off as agreed & had a {$700.00} limit with a XXXX balance. I filed a separate complaint on XXXXXXXX XXXX. 

Additionally, all my USA property that I imported to XXXX, XXXX where I had lived from XX/XX/XXXX, well over a year was stolen and all my luggage when I repatriated XX/XX/XXXX, further proving identity theft & fraud/online scammers. I know the loans weren't done in person because none of the loans would have been approved & the irony is if I had applied I would have been denied, therefore, I don't know how the loans & credit was issued. 

I would sue those responsible, but they never give me their names & this complaint is to stop their use of my credit which I didn't utilize abroad in XXXX nor have I upon my repatriation, except to continue using my XXXX credit card that prior I had to report as stolen. 

In closing all of the Equifax listed loans & credit cards adversely effecting my credit score belong to someone other than me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address to fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

Wells Fargo claims hey are in compliance with XXXX, for which I am very familiar with XXXX XXXX XXXX XXXX XXXX ( XXXX ) rules and regulations, where I am in touch with XXXX myself. Wells Fargo also knows that I am a customer of theirs for over 45 years and know very well that we are XXXX XXXX  and DO NOT RESIDE in XXXX, but they had us sign an " XXXX XXXX '' that is required of " individuals who are ordinarily residents in XXXX or part of the Government of XXXX ''. 

Both my wife and son are XXXX born citizens and none of us are ordinarily residents of XXXX. We live in the United States and are not residents of XXXX, so the fact that they had us sign this form was discriminatory in nature and careless of their system for relying on their poorly programmed computer system that raised a flag when I had to open a new account, because Wells Fargo 's Fraud Unit, closed my checking account due to my checking and routing number been given to Austrian Airline to refund money for the flight they canceled on us. This blocking of our account had nothing to do with forcing us to sign their XXXX XXXX to re-open our account. 

They were not following XXXX 's protocols and did not check facts that we have already filed our XXXX Passports with their branch in XXXX. They refer to having to abide by various sanctions laws, without due diligence of checking our records of being XXXX XXXX and being residents of XXXX and not XXXX. 

Wells Fargo discriminatorily blocked our accounts while we had to quickly find alternative ways to pay for our mortgage and other statements.
Product: Checking or savings account

On XX/XX/XXXX my business bank acct was locked and was scheduled to close within that week. I have called over 20 times and have the evidence to prove it. I have yet to receive our XXXX dollars that is still in the account. The account is still open and I have asked for it to be closed
Product: Debt collection

TRANSWORLD SYSTEMS INC The dates on my credit report is false they dont match and this account I disputed a lot of times because I never lived at the address
Product: Mortgage

XXXX   XXXX   XXXX   who identified himself as the Legal Assistant with  XXXX ,  XXXX ,  XXXX ,   XXXX   XXXX   XXXX   XXXX  . LPA sent a e-mail to prosecutortaxenty, which is the e-mail of   XXXX   ,   XXXX   , Assistant Prosecuting Attorney of the Civil Division-Tax Unit.
This e-mail was sent on Tuesday,   XXXX   XXXX   XXXX   at   XXXX   XXXX   Within the body of the e-mail it stated the following ; Third Federal S & L vs.   XXXX   XXXX   XXXX   et al Case No.   XXXX   Our File :   XXXX   Good morning Please see the attached proposed Judgment Entry Confirming Sale for your review and approval. Once you have had a chance to review the Entry, please provide either your approval or charges Thank You At the bottom of the e-mail it has   XXXX   XXXX   XXXX   Legal Assistant  XXXX ,  XXXX ,  XXXX ,  XXXX  , &   XXXX   XXXX  , LPA  XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX , OH  XXXX    XXXX   XXXX   XXXX   XXXX   ext  XXXX   XXXX  THIS MESSAGE IS FROM A DEBT COLLECTOR ATTEMPING TO COLLECT A DEBT ANY INFORMATION OBTAINED WILL BU UWS FOR THAT PURPOSE I need all of the following questions answer to determine whether this judgment order ( which is another form of a attempt to collect a debt ) is justified, 1. I was never given the opportunity to read this file titled Our File :  XXXX  please explain in detail what information is in this file?
2. Please send me a copy of all information in the file and any documentation associated with the file 3. Is the Judgment Entry that is confirming the sale for Ms. Jin to review actually a DRS book entry that comes from a direct register system in DRS ( book-entry ) form. If so is the entry or entries associated with either Third Federal,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX  , or   XXXX   XXXX  . Who provided you with the information that is contained in the attached titled  XXXX  CE.doc and/or the information within the e-mail identified as Our File :   XXXX
Product: Debt collection

I'm getting a collections notice from Jefferson Capital Systems trying to collect an old phone bill of {$150.00} from XXXX. I had cancelled before the invoice date started for the next month. I paid the previous month and called as soon as I paid the pervious month to cancel my service indefinitely. So way before the invoice starting date. I spoke to a woman on the phone who said she would take me off no problem and there would be no fees. now suddenly, I was attempting to buy a car and 3 years later my credit score drops 100 points for something I don't even owe.
Product: Credit card or prepaid card

I have been a member of XXXX XXXX XXXX for a number of years and have a VISA card with them. I recently received a letter that stated on XX/XX/19 their cards were being switched over to Elan Financial Services. The letter stated I could " opt out '' of the transition if I chose to do so, and needed to contact them by XX/XX/19. The letter went on to recommend I check if I had any rewards points on balance before closing the account and to cash those points out before XX/XX/19. Tonight, XX/XX/19, I contacted the customer service number on my recent bill and was told by Elan services my current credit card with XXXX has a XXXX  balance and a new card has been issued to me. I did not authorize Elan or XXXX to do this and in fact was calling because I want to opt out of the transition. I have a balance transfer check I want to send from my new credit union and place on their new credit card. Elan further stated on the phone that if I closed out my account tonight I would lose all rewards points and suggested I check my point balance before proceeding. I hung up, went to my rewards site, logged in as usual and a message appeared stating " Cardholder does not participate. '' I then called the number on the back of my CC, found my point balance via the automated menu, and then proceeded until a XXXX person answered. After explaining this whole mess, the XXXX customer service person stated " they had jumped the gun '' on the transition. This all violates what is stated in their letter about this transition and I consider it a breech of contract. What recourse do I have to a ) get back my reward points?, b ) stop a credit transfer to Elan, a company I do NOT want to do business with?, and c ) make a clean break with both XXXX and Elan without it impacting my credit? Any help you can offer will be greatly appreciated!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have try to dispute this information on my credit report and they say that is verfied by a third-party company watch is illegal according to 5 U.S. Code 552a - Records maintained on individuals.
Product: Checking or savings account

My account was closed without explanation on XX/XX/2022. It seems to have been strategically timed to have happen directly after my ACH direct deposit of {$1500.00} was issued, and before it was posted to the account. I attempted to call support and got a recording saying that because my account is closed, that they are unable to speak with me over the phone. I then emailed support asking for an explanation, as well a how to retrieve the funds from my deposit. I was given a generic answer telling me to refer to the account agreement, with no mention at all of what happened to my deposit, nor how to retrieve the funds. I sent out XXXX more emails on XX/XX/XXXX and XX/XX/XXXX and have yet to receive a response.
Product: Debt collection

On Monday XX/XX/XXXX at XXXX I received a phone call from XXXX, after saying Hello several times and hearing someone in the background, then hung up. I called the number back and it was confirmed to by EOS CCA. On Wednesday XX/XX/XXXX they called again at XXXX, I gave the collector a verbal cease and desist, he paused then told told me 3 times he has no idea what I am talking about and hung up on me. On XX/XX/XXXX at XXXX I received another call from EOS CCA, I immediately asked for a manager and was transferred to XXXX XXXX  and told about about the verbal C&D, he also verified calls are recorded. He then proceeded with since we are talking already, can you discuss your account....I told him no and ended the phone call with another C&D.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed alleged account from XXXX XXXX XXXX XXXX multiple times with XXXX  and Experian. They ( XXXX  and Experian ) claim the information is " verified '' but can not provide indisputable, undeniable proof. I have asked for prima facie evidence on more than one occasion via jurat affidavit to XXXX XXXX d/b/a XXXX XXXX XXXX XXXX, Chief Financial Officer dated XX/XX/2019 bearing USPS Certified Mail # XXXX and have not received the response from the previous notices dating back to XX/XX/XXXX that were sent to XXXX XXXX Member Service Department as well ( evidence can be furnished upon request ). Furthermore, the alleged creditor has been sent a CERTIFICATION OF NON-RESPONSE/NON-PERFORMANCE ( jurat ) dated XX/XX/2019 bearing USPS Certified Mail # XXXX evidencing the alleged Creditor AND Credit Reporting Agency 's inability to properly " verify '' the accuracy and completeness of the information they are furnishing/reporting which is infringing upon my consumer and inalienable rights and hurting my ability to obtain credit. Under FCRA 15. U.S.C. Sec. 1681, unverified accounts must be promptly deleted. They have been given over 30 days to provide verifiable proof and have failed to do so. I have demanded the erroneous information to be removed from my credit report and will seek damages in a competent court of jurisdiction in addition to filing a complaint with the Attorney General, XXXX XXXX XXXX, and IRS Financial Crimes Task Force in the event this issue is not resolved immediately.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 
XXXX XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

I hereby am writing Client Services Inc. to inform you that you have broken the law by knowingly, intentionally obtaining, possessing, transferring, and using my personally identifiable financial information aka non-public personal information from XXXX XXXX  by way of Identity Theft ; acting in bad faith ; using unfair business practices to extort payments on an extension of credit which is a crime pursuant to 18 U.S.Code 242 and 18 U.S. Code 894 ( See Exhibit A & B ). Furthermore, Client Services Inc. with lack of permissible purpose ( 15 U.S. Code 1681b ( a ) ( 2 ) obtained this account as a result of misrepresentation, fraud and Identity theft pursuant to 15 U.S. Code 1681a ( q ) ( 3 ) and Identity Deception IC 35-43-5-3.5, Fraud IC 35-43-5-4 and Crime Deception IC 35-38-1-2.5. ( see Exhibit C ) see attached documents and exhibits.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian shows two "hard" inquiries on my credit report. Dispute of the items is not allowed online. I have called twelve different telephone numbers (multiple times) and after going through the identification process each number disconnects.  There is no way to talk to a person. A company by the name of "XXXX XXXX XXXX" with a telephone number of XXXX shows as making an inquiry.  I called there number and it is not in service.  Looking on line it seems this company may be in bankruptcy or is otherwise in trouble. I need the inquiry removed and there is no way to contact Experian.