23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Purchased a new air conditioner through a company that if I use the manufacturer 's special credit card ( that was to be paid through Wells Fargo ) paid off in 36 months with no interest. The problem is I set up auto payment online with my Financial institution information including my account and routing information. I did have to make a one time payment, 2 days ago, because it was due but auto pay is to start next month. This morning I received an email from Wells Fargo ( not my financial institution ) but the lender that said my account was closed. I called and spoke to 3 different Wells Fargo representatives and they all told me I put my account number in wrong. I told them I had printed all the paperwork and it was correct but they ( WF ) had left off 4 starting numbers. They told me I did it even after I explained I had printed documentation. I took all my paperwork to my financial institution and they corroborated I had completed the info correctly. I then drove to Wells Fargo and they told me to call a certain/different phone number with credit card services. I showed them my documentation to no avail. After I drove home, I called the " certain number '' and they told me to go online again and fill out the information again. 

I am not going to do that because now I don't trust Wells Fargo. I am so frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Update Letter originally sent XXXX22 was received by CRA XX/XX/XXXX22 Tracking # XXXX Identifications and other supporting documents were attached again on XX/XX/XXXX22 another letter was sent in response to partial dispute resolution on XX/XX/XXXX Report # XXXX. that letter was received on XX/XX/XXXX22 which included a reply letter in hand written blue ink with instructions, notarized and certified copy of common law copyright notice, notarized fee schedule, affidavit of truth, divorce decree, updated identification with current address, copy of updated SSC, and copies on copyrights to name XXXX XXXX and XXXX XXXX, and a copy of faxed and mailed form XXXX to IRS
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance {$8600.00} ; XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX {$50.00} ; XXXX XXXX XXXX Balance {$330.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance {$750.00} ; XXXX XXXXI ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1000.00} ; XXXX XXXX XXXX XXXX : {$22000.00} ; XXXX - XXXX & XXXX XXXX XXXX : {$50.00} ; XXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} ; XXXX COLLECTIONS ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX Inquiry XXXX XXXX. XXXX, 2021 ; JXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2021 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Dear CFPB, Ford Motor Credit has crossed the line into intentionality and recklessness, they are making false credit reports damaging my credit reputation and causing lenders to deny me for their errors on my credit report. 

I have disputed these errors for over a year and a half on many occasions and Ford continues to fail to correct the glaring errors that I have pointed out to them that exist at XXXX and XXXX. 

Please dear Ford, have the professionalism and ethical ability to fix the errors you mentioned and listed below, I have the right to a 100 % accurate report, ( THE LAW REQUIRES IT ), it is very important to me and I would not accept anything less than that, 99 % is not 100 %, the law says that every account reported to the ( CRAs ) must be 100 % accurate and verified. 


Account name : FORD MOTOR CREDIT Account number : XXXX Date Opened XX/XX/year> Status Paid, Closed. 

Errors : XXXXYou report in XXXX and XXXX the opening date was XX/XX/year>, but in the PAYMENT HISTORY, the first report is from XX/XX/year>. This is contradictory, the payment history does not report anything for XX/XX/year>. Is the opening date incorrect? Is the payment history incorrect? Which one is correct? Please correct this or delete the entire account. 

XXXXwhy did you block or DELETE BALANCE HISTORIE? 

Why don't you report the balance paid month by month from when the account was opened until it was closed? 

Why don't you report the scheduled payment every month from when the account was opened until it was closed? 

Why don't you report how much I paid each month from when the account was opened until it was closed? 

Please provide all these details mentioned in the Balance History or delete the entire account 3-In the payment history, you have ND ( which I understand means No data ) for the months of XXXX, XXXX and XXXX XXXXWhy do you not have any data for these months? Why is the data missing? Please correct all the data or delete the entire account. 


Please CFPB and FORD, so that my account is XXXX XXXX percent accurate and verified, these accounts have been paid in full and have errors that directly affect my financial health, so be XXXX percent accurate or delete the entire account. 

I am attaching evidence directly from the XXXX report where I demonstrate the errors mentioned. It is worth mentioning that this account has already been removed from XXXX for not complying with the FCRA. 

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

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX XXXX XXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages.

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I explained to this company that I was unable to make any minimum payments and they continued to do robo calls as well as send emails. I can not unsubscribe from their email even though I tried to let them know to stop and desist. Their email system does not allow for me to reply to their emails.
Product: Credit card or prepaid card

I completed a balance transfer with XXXX card and the payment was sent to Bank of America to pay off my credit card on the due date of XX/XX/XXXX however Bank of America posted it on the XX/XX/XXXX charging me additional interest. I'm requesting the interest be waived as my payment was made on time ( the XXXX due date ).
Product: Credit reporting or other personal consumer reports

Hello My Name is XXXX XXXX and i want to report identity thief in the year of XXXX  i was sentence to XXXX XXXX XXXX XXXX I recent notice some items on my credit report that was not authorized by me. Due to me being incarcerated from XX/XX/XXXX of XXXX  till XX/XX/XXXX of XXXX see attached document
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card were compromised by my tenat. they took picture of my credit card back and fron, social security and driver license. and purchase on line. 
Identity theft
Product: Credit card or prepaid card

I opened a new XXXX credit card account in XXXX of XXXX. I received my first statement and bill in XXXX, due XX/XX/XXXX in the amount of XXXX. I submitted an online bill payment of XXXX through my XXXX XXXX account on XX/XX/XXXX, with a pay date of XX/XX/XXXX. I received a confirmation number of XXXX and check number is XXXX. XXXX says they did not receive it until XX/XX/XXXX, it was late according to them and I was charged a XXXX late fee. I called XXXX and spoke with XXXX he told me to dispute all fees with Comenity Bank and provided the mailing address. I mailed a letter on XX/XX/XXXX and included screen shots of my online bill payment dates and confirmation number. I received a letter dated XX/XX/XXXX and another bill in the amount of XXXX two late charges and interest. I called back XXXX  on XX/XX/XXXX an asked to speak with a Supervisor. I spoke with XXXX and she told me that I would need to prove the date it was received, that the screen shots I sent were not proof. I told her I showed good faith in paying my bill on time by allowing at least 10 days but she told me that it didn't matter- that I am responsible for ensuring it gets to them by XXXX EST. This was my first bill with them, having been a new account that I paid in full and they are continuing to charge me XXXX {$35.00} late fees and interest until I pay. I have opened up an inquiry with XXXX XXXX to see if they can help.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : U S DEPT OF EDXXXX XXXX XXXX : {$6300.00} DEPT OF EDXXXX XXXX Balance : {$0.00} US DEPARTMENT OF EDU XXXX Balance : {$6300.00} DEPTEDNELNET XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been dealing with company for years. Instead of deleting due to their mess up they keep changing one or two things and dragging along. Account appears as if I still have an active loan causing problems with account but has repossession when they was paid complete with insurance etc. a phone call reveals how they didnt even allow me access to the sale. Balance is incorrect, reporting is incorrect etc
Product: Bank account or service

I made a Chase Visa CC purchase at XXXX XXXX on XXXX XXXX with no problem. It went through immediately. My son informed me that I should not have paid, that he wanted to treat me. The head of XXXX was on vacation until after XXXX XXXX so we decided to wait until the Wednesday after to do the transaction of a refund for me and charging his card. That Wednesday the XXXX of XXXX called and said a refund had been provided. I checked my account on Thursday, no money appeared. I am a Chase XXXX XXXX, so I called my account XXXX number. I also know it can take XXXX hours for a refund to appear, but that the account manager can see it sooner. The woman I spoke to told me XXXX had not processed the refund, and it can take up to XXXX days for the refund. I said in this day of electronics, that did not sound reasonable. I asked to speak to a supervisor. 

I was transferred to XXXX, who said she was a supervisor. She informed me that it depended on when XXXX did their 'batching. ' I would see my money XXXX hours after the batching. That seemed reasonable, so I asked for her number in case there were additional problems, she provided, XXXX, extension XXXX, which I repeated back to her for clarification. I called XXXX for their batching day, which I was informed was daily. I tried to reach XXXX several times, to no avail, the phone just rang, no voicemail. 

The next day, I went to my local Chase Banker, XXXX. The branch is on XXXX XXXX in XXXX XXXX, NJ. I asked her to check why it had not been credited back. I provided the vendor receipt, showing the batch number, time, amount, etc. so it could be traced. The back office refused to allow me to hear the explanation, refused to be put on speaker, and gave her an explanation that said the batching is different for refunds. Now I like game shows, but XXXX different doors, XXXX answers ) is not my idea of good banking. It XXXX make for good TV, but not for my money. I went home frustrated and upset. 

I went back today, Friday, and asked XXXX to provide my with a phone number for federal where I could ask for regulations about refunds. I might have asked my dog, he would have done better. No response, just another call to Chase. I did n't ask for that, I asked for a federal bureau to complain to. She tried everything, but no luck. I used to work XXXX, it was mandatory to have the state number for people to complain if they were unhappy. I went home a did the search myself, and got it in a minute. It is now three days, no refund, no answer, no resolution. I would like to know why they can withdraw money instantly, but not refund the money the vendor returns to me instantly? 

How long do they have to return this money to my checking account? 
Should n't they be able to provide a complaint line to the consumer? 
If they hold my money do n't they make interest on it and should n't I receive that money? Where did I go wrong in using my VISA card? 
Why did Chase not provide an adequate answer as to when my money would be returned to my checking account, why such secrecy over the answer?
Product: Credit reporting, credit repair services, or other personal consumer reports

This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... PLEASE DELETE this account below : XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX  XXXX Balance Owed XXXX {$370.00} XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX  XXXX Balance Owed : {$30000.00} XXXX XXXX XXXXXXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any 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.
Product: Student loan

My loan was consolidated from XXXX to XXXX XXXX for the purpose of applying for the XXXX XXXX. 

XXXX via MOHELAs message system took months to get a reply, which never answered the questions I had at the time unrelated to this XXXX refund complaint. I have called multiple times and stayed on hold for up to XXXX hours. 

I requested a XXXX payment refund on XX/XX/22 after a coworker requested her. The first representative I spoke to that day barely answered my questions. When I asked to put the request in she said I would have had to do that before I consolidated, then when I began to question and talk about my coworker the line went dead. And this was after a XXXX hour wait. 

I called back and waited again. This time the representative was nicer and put the request in. I was told it would be XXXX weeks. When the XXXX weeks came close I called back with my coworker to verify it had been sent. That representative assured both of us it was sent to the treasury, but that the timeline was now XXXX business days. 

Last week was XXXX business days. We called back again, together to verify the request. This representative now told us that It probably didnt get sent to the treasury because we dont qualify. This representative fumbled along trying to direct us to the studentaid.gov website, but couldnt answer our questions. 

Yesterday my loan on studentaid.gov was zeroed out with an affective date of XX/XX/22. My request was made on XX/XX/22, and my XXXX form was not signed or uploaded until XX/XX/22. 

The rules to XXXX refunds made eligible by the Cares XXXX keep changing per these MOHELA representatives. And, now convienently my loan has been forgiven with a date prior to my actual submission. 

Im seeking help with COVID refund payments that I was promised through MOHELA and assured that it was processing with the treasury.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was turned down by banks for car loan because of adverse information supplied by TransUnion. Per instructions from turn down banks, I wrote to TransUnion for a FREE copy of my credit score and credit report as provided by Fair Credit Reporting Act. 

They sent me a credit report with this XXXX sentence, " You did not order a TransUnion credit score. You can purchase your credit score for {$9.00} by calling XXXX. '' It irks me beyond words how these monster companies try to XXXX consumers at every twist and turn! The behavior is criminal, in my opinion!