23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Called Aidvantage in XX/XX/XXXX to request a refund of the payments made from XX/XX/XXXX to now. I was told they could statt the refund process and that it would take 4-6 weeks to recieve a refund from thble US Treasury department XXXX I asked if there would be any confirmation number and was told none would be provided, but that I could call back in a few days to see if my request had been submitted. I waited until XXXX to call back and confirm. I was told that they could see my request and that it was still awaiting approval. On XX/XX/XXXX, I made a complaint on the federal student aide website. The complaint was forwarded to aidvantage. Aidvantage emailed to state they are investigating my complaint. However, I find it completely unreasonable for my request still to be pending approval nearly 3 weeks later. I have seen no changes on any of my accounts to reflect the request. And feel that there is no way to truly hold aidvantage accountable to their timeline given the fact that no confirmation or reference numbers for the calls were given.
Product: Credit reporting, credit repair services, or other personal consumer reports

The fraudulent account that Equifax placed on my credit report stems from a child support case that has been closed years ago yet equifax is still reporting this as a negative account. I have a signed court order from the judge releasing me from this debt.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting these accounts incorrectly. These collection accounts are OPEN. According to the FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my XXXX-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXX/XX/XXXX
Product: Checking or savings account

I opened a checking account with Sofi bank around XX/XX/21 and received {$20.00} bonus. I also applied and received a credit card from Sofi. Just recently Sofi closed my checking account and did not return funds that were still in my account, to my knowledge, for no apparent reason. Sofi bank stated I opted to close my account which is false. I contacted them and left messages to resolve the issue but i have not received a call back from any of the Sofi managers regarding my account.
Product: Debt collection

I am a victim of identity theft. The information which appears on my credit report does not relate to any transaction that I have made it is the result of identity theft
Product: Mortgage

Wells Fargo sent me a check for {$500.00} and a letter with the ambiguous statement that they " may have '' made a mistake with my mortgage refi. 

They know EXACTLY what they did wrong and I want to know SPECIFICALLY what they did to me that was illegal. 

I've spoken with various flying monkeys at Wells Fargo, wasted HOURS on the phone with them, only to be told that I need to request arbitration. 

I've requested arbitration and have gone through the filing process with the Wells Fargo phone reps I've spoken with. I've received no contact from Wells fargo AT ALL!! 

Today, I received a generic letter from Wells Fargo with a form to fill out to request arbitration. 

I'VE ALREADY GONE THROUGH THE APPLICATION PROCESS TO REQUEST ARBITRATION. 

Wells Fargo is stalling and pretending they're being responsive to the complaint I've filed. WELLS FARGO IS DOING NOTHING BUT STALLING!!!
Product: Debt collection

The friend of the court in XXXX, Michigan sued me for a debt that i know nothing about and still moved forward even after i asked them for the contract that i signed for the debt without them validating anything. This all started on or around XX/XX/2019. I have contacted them and told them of the mistake, but they still pushed forward. They never served me properly and never had a cause of action for the suit. They have falsely reported this on my credit report. They have slandered me publicly by putting my face on a wanted poster. They had my drivers license suspended all with no validation of anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XX/XX/XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from Transunion, XXXX and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX # : XXXX and XXXX XXXX all non-account holding inquires such as XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I Have never lived at XXXX XXXX XXXX XXXX, Il XXXX, XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX, IL XXXX ; have never worked at XXXX XXXX, XXXX XXXX XXXX XXXX. Account to be added XXXX XXXX # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # # # # # # # # # # # # XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

On XXXX XXXX, I applied for a store credit card at TJ MAXX only because the clerk had told me that no credit was okay, and people had gotten accepted before with no credit. I had no credit at the time, so this is why I asked in the first place. I later learned that inquiries can have devastating consequences on your credit, and because of false advertising from an employee at TJ MAXX, I applied for a card that could have been prevented by the proper explanation of the consequences, and terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Called transunion because my credit scores are dropping. From False reporting of being late with a payment. These accounts are paid in full. And are in charge off status and remain on my reports till XXXX XXXX Bank XXXX and XXXX XXXX bank ending in XXXX And XXXX XXXX does what they tell them to do. Its a crime they should be fined and jailed Also Experian and XXXX are guilty I Have reported them to their own fraud and credit card investigations to correct within XXXX days. i cant handle all XXXX scores faillng from XXXX pts to XXXX since and XXXX months in XXXX XXXX and XXXX and last year.. please help me
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, re-insertion of previous disputed items and failing to adequately notify consumers of dispute outcomes. All the above-mentioned failures align with my experience, where Experian has neither corrected nor removed disputed items despite my continuous attempts and evidence that I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS ARE NOT MY ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX account was never late 30, 60, 90 or 120 days or beyond.
Product: Credit reporting or other personal consumer reports

XXXX XXXX billed amount XXXX $ -- -this account should not be furnished on my consumer reports as they are in violation of 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please delete these items immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I have paperless statements from my credit card. In reviewing the statements and referencing the card member agreement. I believe the card issuer is not applying my minimum payment to the balance with the highest interest rate.
Product: Student loan

I never entered into any credit transaction with fed loan per saint 15 USC 1692 Which states its not illegal to sale a account but it is a violation to sale my personal information and it is also a violation per saint 15 USC 1692e 807 false or misleading representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer violation so they are civil liable for damages for willful noncompliance per saint 15 usc 1692k
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : require to reflect the maximum possible level of accuracy I'm copying and pasted the letter I sent to Experian and To Whom It May Concern, According to the Fair Credit Reporting Act, 15 USC section 1681i, I request that you add the following credit references to my credit report : Contract # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I appreciate your attention to this matter, as the addition of these credit references will more accurately portray my credit history. Please inform me within the statutory 30-day time period from your receipt of the purpose of this credit repair letter of your compliance with the provisions described in 15 USC 1681e, which require that all information in a consumers credit report must reflect the maximum possible level of accuracy. 
After 45 days I have not received any positive updates on my report. 
I have attached copy of my credit report how does it look like. No accounts, no score.
Product: Checking or savings account

I opened PNC virtual wallet performance select account on XX/XX/XXXX, and it was advertised saying to have direct deposit for {$5000.00} and get {$400.00} bonus, the bonus should credit to account no late than 90 days. however, it's already over 90 days, I did not receive the {$400.00} bonus as they promoted, and I tried to contact PNC to resolve this issue, the agent on the phone was verified I have completed the {$5000.00} direct deposit requirement, and then she created case # : XXXX and ask me to call back few days after to check the status. I called today, and they say I'm not qualify, but today I call PNC to check the status, the agent told me the case was resolved yesterday, and saying I'm not qualify this offer so they did not credit the bonus, because I received bonus on XX/XX/XXXX, it's not 24 months yet. But this is not true, I was having XXXX account during that time, and the bonus was from XXXX, but in XXXX XXXX merged into PNC in XXXX half of XXXX, so it looks like PNC also take XXXX welcome bonus offer and transactions after XXXX merge into PNC, however, I actually signed up XXXX account and get the bonus from XXXX before these two company merge, so I actually did not get bonus from PNC during that time. so I should qualify the bonus since I did not receive PNC account bonus more than 24 months, and in their terms did not mention say customer who receive bonus from XXXX also included in the 24 months period.
Product: Payday loan, title loan, or personal loan

So my fee is {$40.00} a month.I pay the bill trough my bank account so i have proof.So i get in the mail i have a late fee saying i payed late.I call the representive n they tell me theres nothing they can so about it.So now i have to pay {$75.00} n the interest rate went up.All they do is raise the fees and interest rate.
Product: Debt collection

Third Request : I am a victim of identity theft and this debt does not belong to me. 
Please see the identity theft report and legal affidavit attached. 

I have also included my attorney on this case again because the collector is violated the fcra laws and is refusing to remove the collection account from my credit reports. 

My attorney below will be handling this case going forward
Product: Debt collection

-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters last XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX Balance : {$66.00} ; XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2500.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ;
Product: Student loan

Was previously with Great Lakes Borrowers during my enrollment at XXXX XXXX University from XXXX to XXXX. Was placed on forbearance due to difficulty making a XXXX a month payment. Tried multiple times to refinance or get a better payment plan and was refused. When XXXX took over my loan from Great Lakes Borrowers, not only were they offering better and affordable monthly payments but they were also very helpful in enrolling me in public service loan forgiveness for law enforcement which Great Lakes Borrowers advised me was not available with them despite my loan types. Prior to graduation from XXXX in late XXXX, my student loan debt total was about XXXX however after graduation, and after my grace period, my total owed sky rocketed to almost XXXX owed and the explanation given from Great Lakes Borrowers was that it included interest accrued while I was enrolled in school which should not have been the case during enrollment and the 6 month grace period. This is in reference to the loan ( s ) taken over from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly lates on the USD/XXXX  ; XXXX ; XXXX/XXXX  and XXXX student loan accounts. ( Please see attached spreadsheet as well as pages from my credit report for reference. ) These student loans are in forbearance and therefore no late payments should have accrued. This false reporting of lates is seriously harming my credit score and these multiple line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to have these items removed however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported a late payment on my account for XXXX 2019 despite confirmation payment numbers. I spoke with XXXX in XXXX regarding a separate question about my account and was told at that time ( around XX/XX/XXXX ) that my account balance was XXXX and I was up to date. A payment entry error occurred on their part and I did not know the account was considered late until it was reported to the credit bureau. I immediately paid XXXX as well as XXXX XXXX in the first week of XXXX, XXXX payment was due on the XXXX and I paid the amount by XX/XX/XXXX or XXXX as well as the payment due for XXXX XXXX. When documentation and proof was provided to XXXX, the information was rectified ; however, I have disputed with equifax 5 times since the problem and they will not remove the negative information. XXXX told me they could not " undo '' the report once it was filed. I asked them why it was reported to begin with since I made the payment and they explained that though it was entered incorrectly on their behalf, the account still shows past due and it automatically goes to the bureau.
Product: Checking or savings account

The bank is called BMO - Alto.

I assumed they were directly connected to the massive bank of BMO. However, BMO does not have a single link to BMO-Alto on their website. 

I found their high yield savings account from multiple investing tip websites XXXX XXXX XXXXXXXX ) and opened a XXXX  with BMO-Alto. I deposited {$50000.00} from my BoA savings account in the the XXXX, planned on closing my BoA account, and opened a XXXX  account in which I have multiple other credit cards associated with just to have my direct deposits and credit card payments all in XXXX place. After reading multiple reports online of BMO-Alto losing money/wires/etc or not allowing withdrawals I immediately tried to withdraw the entire {$50000.00} into my new XXXX account. Of course these would seem suspicious/fraudulent so I understand. I received an email stating there was fraud detected and the withdraw was cancelled, additionally a phone call from a XXXX phone number stating to call them immediately at a XXXX #. I tried to log in but they have locked me out of the account. I called the ONLY number on their website which was an XXXX # and after verifying my account she said there was nothing she can do and I needed to call an XXXX #. This is massively concerning and would love the help to get my life savings out of this sketchy online bank. 

I apologize for not doing my research, it appears many others have gone through similar situations. 


I see this XXXX be publshed - DO NOT OPEN ANY ACCOUNTS WITH BMO-ALTO. 

The number I was given from the XXXX number claiming they are BMO-Alto Fraud department is = XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have those derogatory accounts removed from my credit file.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXXXXXX XXXX XXXXXXXX ), Consumer Social Security Numer : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXX XXXX {$530.00} XXXX. XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX {$430.00} XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$460.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

There was a charge made by XXXX XXXX XXXX XXXX XXXX out of XXXX, VA for {$4000.00} on my Brooks Brothers card ( backed by CitiBank ) and when I attempted to dispute this as fraudulent Brook Brothers card ( backed by CitiBank ) is still refusing to return the funds. I contacted XXXX XXXX XXXX and XXXX XXXX and nobody can provide me with any of my signatures, any document with my name on it either. I've attempted multiple times to resolve this issue but I am not getting any luck. I hope Consumer Bureau will be able to resolve this huge amount made on my account.