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

I had applied for a personal loan through XXXX, which gave me an alternative funding source : AmOne. I went through their process and they sent me a list of loans I was approved for with monthly payment amounts. The APR Interest rate was 160 %, which was ridiculous because my credit may have been in the lower XXXX, but it wasn't worth being abused at 160 %. They then aggressively called me at my job and on my personal phone to discuss the approval. Once I decided on a time I could talk to them, which was today at XXXX XXXX, they quickly transferred me to a credit repair department, trying to sell me a credit repair package. I asked them what happened to my approved loan, and she said she apologized, but they didn't explain that I was being transferred to her department. But per her answer, I will have to do credit repair before they will consider a loan for me. I told her let me think about it and for her to call me the next day at XXXX XXXX. However after we hung up, I became very upset because I felt I was bamboozled by a company I had trusted to obtain a loan. I just sent her a reply email that I wasn't interested in obtaining this credit service which will cost me {$140.00}. 

I was angry because THIS WAS NEVER GIVEN TO ME VIA EMAIL OR ANY OTHER COMMUNICATIONS THEY GAVE ME. 

I felt this was a very deceptive marketing ploy. Nothing in their loan application stated anything about selling a marketing package in big bold fonts. Plus with their GOOD NEWS! HERE ARE WHAT YOU WERE APPROVED FOR marketing tactics, none were true.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX 
XXXX, CA, XXXX XXXX ( XXXX ) XXXX XX/XX/year> EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Phone Number on Credit Report Dear EQUIFAX Customer Service, I am writing to request an update to my personal information on my credit file. I recently changed my phone number, and I would like to ensure that my new contact information is accurately reflected on my credit report. 

Below are my updated contact details : **Previous Phone Number : ** ( XXXX ) XXXX **New Phone Number : ** ( XXXX ) XXXX Please update my credit file with this new phone number and confirm when the update has been made. If any additional information or verification is needed, please do not hesitate to contact me at the new phone number listed above or via email. 

Enclosed are copies of my identification and a recent utility bill as proof of my new contact information. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX. 

-- -
Product: Credit reporting or other personal consumer reports

This company continues to re-age and manipulate my credit report to hurt my score. Attempts to get them to fix this has failed. They tried to sue me and i answered the argument and requested a settlement and never heard back from them. Most recently they added a fake account to my credit report that looked like it was reporting accurately and secretly added a random late payment on the account that has been charged off since XXXX of XXXX. XXXX not sure how they did this but it was actually hidden in all of my reports. thankfully i have a myfico account and it was showing that somewhere i had a recent late payment. i contacted the credit bureaus and found it hidden in the original account that they had been reporting as a charge off. This has caused me to miss out on a good mortgage rate that i am currently applying for and XXXX cost me thousands in interest over the life of my mortgage. every time i get them to fix something, they add something worse and continue to tank my score. XXXX no the only person this has happened to.
Product: Vehicle loan or lease

In XX/XX/2018 my girlfriend and I moved across the country from XXXX to XXXX, XXXX so she could pursue her career with a new company that offered her a significant promotion. After this move my finances were drained from all the expenses involved. I had to use my stipend from the federal student loans I had acquired from the previous semester to cover these costs. This stipend had been budgeted for the cost of my car loan. Having no other option I had to use that money to cover those costs. While in my new city it took until late XX/XX/XXXX to find a decent paying job. During this excruciating process I then fell way behind on my car payments that I had diligently stayed on top of for over two years. The car was repossessed and had been taken THREE HOURS away to XXXX, CA. ( to make matters worse ). After about 45 days I was able to save enough money to reclaim my vehicle. This wound up costing me {$2000.00} that I had to scramble to save. Since this time I have been on time with all payments ( 5 months ) and I believe my positive track record of paying on time for over two years prior to the repossession should speak for itself. These 3 late payments are weighing very heavily on my credit report and hinders me from getting more favorable loan agreements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection agency Meridian Financial Services reported XXXX delinquent accounts for XXXX XXXX XXXX # XXXX, # XXXX and # XXXX ( XXXX separate accounts have the same account number ). These are time barred debts that are over XXXX years old that have been re-aged in violation of the FDCPA and reported as XX/XX/21 debts. The debts were not accurate originally and when XXXX dispute was made Meridian falsely certified on XXXX occasions that their reporting was accurate. In addition they have not responded with documentation requests in violation of my FCRA rights. These debts reported to XXXX should be removed as they are causing me financial harm.
Product: Student loan

I repaid my loans sometime in XXXX and have since had a negative account balance for my subsidized and unsubsidized loans. I have tried contacting my servicer ( aidvantage ) many times since then. When I could not get in contact with anyone I tried contcing the numbers listed on the Federal Student loan website, anybody i got into contact with told me I had to speak to my servicer. I submitted a complaint on said webite on XX/XX/30 and have not gotten any information since the,. i do have a case number but no representative or any new imformation. On my studentaid.gov account it says I still owe {$1.00} on each loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Debt collection

these XXXX companies XXXX XXXX XXXX XXXX GLA Collection Company Inc These two companies are complete scams, I never even been to ( XXXX XXXX XXXX ), but on the XXXX XXXX XXXX XXXXXXXX website they claimed that they treat patients at XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. If so, XXXX has already been paid. Im in good standing with XXXX  so these people should not be passing off already paid XXXX  bills to collections company this ( XXXX XXXX XXXX XXXX ) never sent me letter at all never or call saying I owed anything and they are supposed to be the original creditor. 

I have insurance which is ( XXXX  ) and I have been covered by them since I was kid, these are facts. 

My insurance which is ( XXXX  ) already told the ( GLA Collection Company Inc ) company that they could not bill or charge me. 

Date of service claimed XX/XX/2019 amount XXXX XX/XX/2019 amount XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NO MISSED PAYMENTS XXXX XXXX ACCOUNT # XXXX NO MISSED PAYMENTS XXXX XXXX ACCOUNT # XXXX NO MISSED PAYMENTS XXXX XXXX ACCOUNT # XXXX NO MISSED PAYMENTS XXXX ACCOUNT # XXXX XXXX XXXX None authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX  XXXX XXXX  USA NA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX ) XXXX XXXX None authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ) XXXX XXXX None authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ) XXXX XXXX Non authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX ) XXXX XXXX Non authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX ) XXXX XXXX MORTGAGE Non authorization XXXX XX/XX/XXXX, XXXX CONTACT DETAILS XXXX MORTGAGE SVC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX ) XXXX EXPANSION CAPITAL GROUP Non authorization on XX/XX/XXXX XXXX CONTACT DETAILS EXPANSION CAPITAL GROUP XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to EXPERIAN with this complaint. I sent them a letter with respect to the errors in my report, for example, date of last action, date opened, date revealed, installment status and so on. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. Anyway when I checked my report, I saw no progressions made by any stretch of the imagination. The false information are still being reported. My privileges have been abused various times. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. 15 U.S.C 1681 segment 604 A Part 2. It likewise expresses a shopper revealing organization can't outfit an account without my composed guidance.
Product: Vehicle loan or lease

GM Financial showing this on my credit report as a charge off - this is fraud I paid my dues and fees durring COVID also tried to purchase the vehicle - you rae promoting fraud they got my payments + I made a XXXX  downpayment to purchase the vehicle as stated During XXXX  they sold the car as profit and they report this or charge it off? NO they already made XXXX on a cheap XXXX vehicle Take that off my credit immediately as this prevents me from getting a job THis is discrimination
Product: Mortgage

My father took out a HELOC in XXXX when I was 14 years of age. He died a year and a half ago on XX/XX/XXXX. I have faithfully been making payments on his behalf since he passed, and I am only seeing the balance on this loan increase, as the payments I am making are only going towards interest. Furthermore, he had XXXX and had a {$55.00} or so per month payment. Since his passing, I pay at least $ XXXX $ XXXX. He and my mother were still married at the time ( divorced in XXXX ), but the Deed of Trust lists my father as an unmarried man. My mother had no knowledge of this loan until after my father obtained it. 

This is not my loan, and it is unfair that I am carrying this burden on top of losing my father, for a loan he took out when I was underage and had no say in. I request this be looked into and humbly ask for it to be forgiven all together, as I believe Regions Bank has received their {$30000.00} back that was loaned to him 16 years ago. I have reached the end of my rope here, and am asking for assistance and mercy. I can provide proof of his death certificate and obituary.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Account Name : XXXX XXXX Account Number : -- - Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, w
hich protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I ALLOWED A NEW OFFICE TO PREPARE MY TAX RETURN AND WAS ADVISED THAT MY INFORMATION WAS LOST DURING A RELOCATION. I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED ACCOUNTS THAT I HAVE NO AFFILATION WITH OR KNOWLEDGE OF. I ALSO SEEN THAT SOMEONE HAS BEEN ATTEMPTING TO ACCESS LINES OF CREDIT IN MY NAME WITH CREDITORS SUCH AS XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I HAVE NOT AUTHORIZED THESE TRANSACTIONS I'VE CONTACTED THE CREDIT BUREAUS NOTIFYING THEM OF THESE ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERFIABLE.

FURNISHING INFORMATION WITHOUT MY WRITTEN CONSENT IS IN VIOLATION OF 15 USC 1681, ALSO FURNISHING ACCOUNTS RESULTING IN IDENTITY FRAUD IS IN VIOLATION OF 15 USC 1681 C-2
Product: Checking or savings account

On XX/XX/2021, I found out America First Credit Union was planning to roll out their 'Premium Checking ' feature. Their plan of execution is what I have an issue with. They are automatically enrolling every member 's account, with only an email or a mail notice that looks like junk mail. 

Their explanation of the benefits isn't clear. For example, one part states that, and I'm paraphrasing, {$1500.00} is required to remain on deposit with a couple of other stipulations, and the small fee will be waived. Shortly thereafter, it says that there is a no fee low balance checking, but clearly states that if our balance falls below {$1500.00}, we will be assessed a $ XXXX monthly fee. 

They are offering a basic checking account for free, but we have to notify them that we choose that option. Hold times for the call center is over 30 minutes. It's now been two days since I sent an email to say I want basic checking, and I haven't received confirmation they've received it. We're located in Utah, which has some of the highest rates of Covid-19 in the country, so yes. I could go to a branch, but was it wise of them to roll this out now during the pandemic? I have even taken to social media to ask the questions I have but haven't gotten a response. I'm sure their employees are overwhelmed. 

I fully recognize that a $ XXXX  monthly fee is a small amount. The main issue I have is that this is coming from a credit union, where members are supposed to be able to vote and have a say in the things that happens, but this blindsided everyone I know. Also, I hate the fact that they are enrolling every checking account and expecting people to opt out if they so choose. Rather, this should be an opt in option.
Product: Checking or savings account

I called in after I was under duress in an International Airport to stop/cancel a transaction for an Emergency XXXX XXXX XXXXXXXX that was made on my Wells Fargo checking account and they failed to do so, and would not help me at all.
Product: Credit card

On XX/XX/2023, I contacted Citi Bank credit card online to file a dispute for an unknown transaction. The customer service agent made it rather difficult for me to file the dispute. In addition when I supplied a number for contact the representative informed me that the number supplied wasnt one that was connected to my account. I informed the representative that I do not need to give a number tied to my account as I have the freedom to use whatever information I need. The dispute could have easily be resolved online using a simple check box and a section for completing this instead this company has made it rather difficult to file any claim. I still havent been able to file my dispute.
Product: Credit reporting or other personal consumer reports

I contacted Equifax because they continue to report incorrect information about 2 old loan accounts I had with XXXX. I disputed these inquiries ( with documented proofs ) using Equifax 's online dispute form, and was contacted about a week later saying Equifax resolved the dispute. However, when I logged-in to see the resolution, all Equifax did was leave me a note saying that the XXXX information was correct. When I originally submitted the dispute with Equifax, I informed them that I had already attempted to resolve this issue with XXXX  but XXXX still had not removed the incorrect information, nor have they done anything else to correct the error. The last time XXXX updated my file with Equifax was almost 1 year ago - and since that time, XXXX has closed my accounts, transferred my accounts to another company, XXXX, and at XXXX my accounts were completely paid and closed. I submitted all this information to XXXX and Equifax but they will not correct these errors in my credit reporting file. XXXX has updated my files with the credit reporting agencies to reflect all this information, so I don't know why XXXX refuses to correct my information and why Equifax refuses to update the XXXX information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : I disputed the above account severa times and it came back verified and I want to know in the world is possible to verify something inaccurate and illegitimate especially when it violates my consumer right. XXXX, Equifax and XXXX are working in cahoots with XXXX XXXX XXXX to blatantly trample and violate my consumer right under the FCRA. 

According to : 15 USC 1681, I have the right to privacy and USC 1681-2 A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors, A person shall not furnish information relating to a consumer to any consumer reporting agency if -- -- - ( I ) The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and ( II ) The information is, in fact inaccurate I am a natural person, I am a living human being, I have rights under 15 USC 1681 and these companies are governed by these laws and they violate my rights time and time again. I have a right to privacy and did not give these companies written permission to report the above misleading information which paralyze my way of living. 

I can go on and on showing blatant violations for the reporting agencies...
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my Complaints # XXXX, XXXX, and XXXX, I discovered that you have closed my complaints last XX/XX/22. Again, the 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$15.00} ; XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX  XXXX Balance : {$660.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the 601. Short Title : Fair Credit Reporting Act alleged a LATE PAYMENT on allegedly XXXX XXXX BANK XXXX # XXXX & on alleged date of XXXX has violated my rights as follows : 1 ) 15 USC 1681 602 ( a ) Reads as : I consumer ( s ) have the right to privacy. 

2 ) 15 USC 1681 604 ( a ) ( 2 ) Reads/Paraphrased as : It also states a consumer reporting agency cant furnish an account without my written instructions. 

XXXX ) And lastly, 15 USC 1666b ( a ) Reads as : creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

I would like to report an incident of misconduct by Wells Fargo concerning unauthorized transactions and lack of transparency in handling my account. 

In XX/XX/2023, I rented a car through XXXX, paying with a non-Wells Fargo method. The XXXX host falsely claimed damages amounting to {$2800.00}. Despite my dispute, XXXX held me liable. Subsequently, Wells Fargo debited this amount from my account without my consent. 

Upon reporting this to Wells Fargo around XX/XX/2023, an investigation began, and a temporary credit was applied to my account. This credit was later reversed on XX/XX/2023. On or around XX/XX/2023, I requested documentation from Wells Fargo to understand the basis of their decision. However, instead of providing the information, they issued another provisional credit and asked me to submit evidence supporting why I should not be liable for the charge. 

On XX/XX/2023, I sent a demand letter to Wells Fargo expressing my frustration with their unproductive and opaque handling of the matter ( see forwarded message ). On XX/XX/2023, I was informed that a " processing error did not occur, '' and the provisional credit of {$2800.00} would be withdrawn on XX/XX/2023. 

This situation demonstrates a breach of trust and duty by Wells Fargo. As my bank, they should protect my interests and funds. The constant reversal of credits and failure to provide requested evidence is unacceptable. 

Therefore, I request : 1. A thorough investigation into Wells Fargo 's handling of this issue. 

2. Permanent reinstatement of the {$2800.00} credit, as it was unjustly debited. 

I trust that you will address this matter with the seriousness it deserves and uphold the integrity of banking practices.
Product: Consumer Loan

Pre-Approved Loan which company gives you a contract and monthly payment chart. Then waits 3 days and declines you for the loan. I think it 's False Advertisement because they pull your credit then the bank that works with them sends you the contract etc.