23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax is claiming US Dept of Education is reporting accurately. They informed me I needed to talk to the data furnisher directly. So I sent requests for information multiple times with no response from them. I then sent a letter to Equifax informing them the US Dept of Education failed to respond to my request for further information. It has now been over 6 months since my original contact with the data furnisher & over 30 days since I sent my letter to Equifax to remove the account. I would like this account removed from my report immediately. Both XXXX & XXXX have removed this account months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

At XXXX today, I received a letter from Chase titled " Thank you for your interest in a Chase credit card. '' Since I did not apply for a credit card, I disregarded it as spam since I did not apply for a Chase credit card recently and already have one. However, there is an inquiry on my credit pull from them on my credit report now.
Product: Checking or savings account

BOA called me about my credit card payment. I told them that my husband has been very ill and XXXX co pays and doctor visits prevent me from paying my credit cards at this time. 
On XX/XX/XXXX I was checking my account and saw there was a {$170.00} payment made to my BOA credit card. I called them about it and they said I made the payment which was not true. They said they would refund the money in 7 to 10 business days. After 15 business days I called them again. They said it was done through my bill pay which I do not use. Again was told they would refund the money. I called them back and they told me that since it was done through my bill pay they could not refund the money. I even checked bill pay to make sure that I didn't somehow do it but was sure I do not use it. It said no activity. Now I have overdraft fees and overdraft protection used which brought my credit card over the limit. 
They also used both my husband and my overdraft protection for a joint account we have for the same overdraft so we were both charged on our credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. 
I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 

This has caused me to suffer and its defamtion of my character
Product: Credit card

I purchased a mens ring online for {$600.00} from a company in New York XXXX named XXXX. I used my Citibank XXXX credit card. The ring would take 3 weeks to make, so I did some research and investigating about this company with XXXX and online reviews from previous customers. I was SHOCKED and HORRIFIED by what I read by the terrible and negative experiences customers reported. I immediately tried to reach out to the merchant by phone. I tried on different occasions to cancel the order, but I could not get a hold of them. ( mailbox full, non-working number, disconnected number ) Meanwhile, they send the ring without a tracking number by USPS. Based on their reviews and history, I decided to REFUSE the package XXXX. The mailman marked it " refused '' in his meter tablet, and it was returned to New York to the merchant. They received it, but are lying and said they did n't. I know for a fact they did. Meanwhile, Citibank bought into their lies, and reversed the temporary credit of {$600.00} I complied with all of Citibanks rules, and faxed them XXXX singed affidavid 's and a detailed letter explaining the circumstances. When I call Citibank to sort this out, I reach a call center in the XXXX. Then the girl has to transfer to the billing department in the states to some rude person who is not familiar with the dispute case number and tells me that a supervisor will call me. ( which they never do ) I have gone through this scenario a minimum of 10 times without any result. Citibank still refused to credit back the charges for merchandise that I do not have. I am reaching out to you because I am frustrated and sick over this. The dispute number is XXXX. My name is XXXX XXXX XXXX, and I am the authorized card holder. My telephone number is ( ( XXXX XXXX XXXX. As of today, I am out {$600.00}. Please contact them and try to get this matter sorted out. Thank you Sincerely, XXXX XXXX XXXX XXXX. I am a XXXX XXXX XXXX XXXX XXXX veteran.
Product: Payday loan

Different companies who say they represent the payday loan companies keep contacting me about a payday loan I paid off several times in the past 7 years. I have documentation that I paid this loan on several occasions. The companies have threatened to serve me papers on my job and that they are going to take me to court in XXXX XXXX. They never contact me through the mail, only by phone. I have faxed the pay information several times to different companies and they said that the loan was satisfied, however, other companies keep contacting me.The companies are contacting my relatives and my husband 's relatives and asking them do they know me and saying that I owe money. They have my social security number and license number. I have been ripped off many times which is unjust, unrighteous, and embarassing. I have taken out several payday loans from companies such as XXXX XXXX, Advantage Cash Services, ect. and have paid them off. I have included the paid in full letters from them. These companies did not allow you to take out a loan if you did n't pay the previous loan. I have not taken out a payday loan since I retired in 2010. I would like to recover the monies I paid out several times and want these scam artist to stop contacting me and my relatives. I would like the public to be aware of these phony companies and not get ripped off like I did.These con people ( men and women ) are so good at their game, they had me convinced that I did n't pay my debt over and over. I hope you find out who they are and bring them to justice. The most recent call was from a lady who said her name was XXXX XXXX from XXXX ( I 'm not sure of the spelling ) phone no. XXXX. File reference # XXXX. When I called this lady she told me that I walked into a place and got a pay day loan. I asked her what place, she hung up on me.
Product: Checking or savings account

On XX/XX/year> someone opened 2 online savings account under my login id I was not aware that at all I tried to login my account multiple time and my online account locked I tried again its locked I contacted to customer support they said send some documents I sent all multiple times still not active I called today than they said u have joined person in ur account need id as well that person I was really confused then they explained me u opened 2 more accounts on XX/XX/year> with that person jointly I was shocked I never ever done like that and transferred 2 transactions from my existing account to that new accounts it was Amount : {$240000.00} XXXX XXXX  Amount : {$240000.00} with Barclays Savings account that time I was traveling in flight I was not aware XXXX all how that happened I really needed my money back its very hard working money & need to arrest that fraudulent people.
Product: Debt collection

ERC has aggressively continued to report unfavorable claims on my credit profile for a debt that I do not owe. Hence, their illegally, well orchestrated negative remarks ahs continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to the company 's response to complaint XXXX. I notified you months ago that this account should not be reporting and you failed to remove the account. XXXX and XXXX removed the account so I am confused as to why you stated that the account was verified? Also the high balance you are reporting is incorrect. Remove the account XXXX XXXX XXXX from my credit report within 15 days.
Product: Credit card or prepaid card

Capitol One added a Hard Inquiry on my report that I did not authorize.
Product: Credit reporting

I wrote XXXX on XXXX XXXX, XXXX as I discovered issues on what they were showing on my credit reports. I included copies of my drivers license, social security card, and a utility bill as proof of my residence. It is XXXX XXXX, XXXX and they have not responded. This is illegal for them to do as the law says they MUST answer in 30 days!
Product: Checking or savings account

Wells Fargo continues to over charge me with overdraft fees even though I did not consent to them. Something has to be done about it. I never opted in to overdraft fees as the bank has always declined my transactions at 99.99 % at a time. Why is it that they charge me {$35.00} for paying a dollar or {$5.00}? I need refunds for predatory fees they continue to charge me and for pin and suffering with inconveniences caused.
Product: Credit reporting or other personal consumer reports

I am writing to you as a loyal and longstanding client of 1st Progress since XXXX. Over the years, I have strived to maintain an excellent payment history, always ensuring that my mortgage payments were made on time without any issues. It has been a privilege to be a part of the FSTPROGRESS family, and I highly value the professional and reliable service you have provided. I am writing to bring to your attention an unfortunate incident that occurred in XXXX, which has resulted in a late payment on my account XXXX. This occurrence was entirely unintended and stems from a billing error with my credit card merchant. Despite my diligent efforts to prevent any issues, the error led to a delay in processing my payment for the month of XX/XX/XXXX. I fully understand and acknowledge that timely payments are crucial, not only to maintain a positive credit history but also to honor the terms of our agreement. The recent late payment has had a negative impact on my credit score, and I am genuinely concerned about its implications for my financial well-being. Given my long-standing history of prompt payments and my commitment to rectifying this situation, I kindly request that FSTPROGRESS consider granting a goodwill adjustment. This adjustment would involve the removal of the late payment notation from my credit report. I understand that FSTPROGRESS has the discretion to make such adjustments in cases where clients have demonstrated a history of responsible payment behavior, and I sincerely hope that my past record with your institution will be taken into consideration. I assure you that I have taken corrective measures to ensure that such a situation does not occur in the future. I have reviewed and updated my payment methods to prevent any recurrence of billing errors. My commitment to maintaining an impeccable payment record with your company remains steadfast. I kindly request that you review my account history and, if possible, grant this goodwill adjustment. Doing so would greatly assist in alleviating the adverse effects of this late payment on my credit report and financial stability. I appreciate your attention to this matter and your dedication to customer satisfaction. Thank you for your time and understanding. I look forward to your positive response.
Product: Credit reporting or other personal consumer reports

I purchased a van through XXXX XXXX The van was totaled out. My insurance company sent them a check. They are claiming that there was a balance still due. There is NOT. They have ruined my credit score Ive logged into the XXXX XXXX website and it says theres a balance of {$6000.00} Ive asked for proof of this they have not responded and phone reps refuse to send the info to me. Theyve been reporting on my credit report twice a month since XXXX balance past due. Which has brought my score all the way dow to XXXX. I want this information removed from my report as it is not accurate. I want copys of the payment history and of the check sent from the insurance company and I want the double past due reports removed from my credit reports. Removed from ALL CREDIT BUREAS.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit inquiry from XXXX XXXX XXXX. is on my credit report, this should not be there.
Product: Credit reporting or other personal consumer reports

I have done an ftc report and have shown I am a victim of identity theft I need these accts removed from my profile, they are hurting me and cant see to move on with my life
Product: Credit reporting or other personal consumer reports

I am formally filing a complaint against XXXX for failing to conduct proper investigations into my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours, asserting the account 's accuracy without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which requires a reasonable investigation of disputes. Additionally, XXXX 's actions may contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. 

I respectfully request that the CFPB take appropriate action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

I have attached a photo.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX ) In XX/XX/year> I received an email from XXXX XXXX XXXX that my Amerifirst home improvement loan was being transferred to them. I was notified that it was a seamless transfer and that I didn't need to do anything. I then was told about upcoming autopay changes as well, which I didn't need to take action because my autopay had been set up for some time. 
XXXX ) My XX/XX/year> payment posted correctly. 
XXXX ) I did not receive any notification of XXXX payment or confirmation on my account. 
XXXX ) My XXXX payment was {$160.00} all on interest. 
XXXX ) My XXXX payment was the correct amount of {$670.00}, again all on interest. 
XXXX ) I contacted XXXX  via email and phone who told me I was responsible for accrued interest on my loan even during their transfer process that was supposed to be seamless and required no action on my part. 
XXXX ) I told them I accrued interest on my loan due to their action on my transfer and inability to keep my payments correct. I have never missed a payment or been late and my autopay has been set up for over a year. 
XXXX ) They offered me no solution and instead tried explaining how loans work and that I am responsible for interest accrued during their transfer process, even though I was told to take no action and could not make a payment during the transfer. 
XXXX ) Now I am 3 months behind on principal payments when everything was fine before they took action, having accrued over {$800.00} in excess interest due to their company action and payment transfer error.
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX of XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my BofA account to fraudulent investment firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I challenged the incorrect reporting on account number XXXXkhols/ Capital one have failed to report this account correctly after selling this account to a debt buyer.if the account was sold why is this company still reporting me late every month.i can not owe two companies.khols wrote me a letter which shows they sold the account and i have attached a letter that proves they still reporting me after they sold it..i have proof they taking away my rights as a consumer.
Product: Debt collection

On XX/XX/2016 i was XXXX  in the XXXX. I had medical insurance that was supposed to cover all costs. Plus the XXXX got away free and clear while i apparently had to get the worst end of it all. I suffer and he didn't. If their were any costs to pay he had to pay them. Plus, again i had insurance to cover my pain.
Product: Credit reporting or other personal consumer reports

MD Code, Commercial Law, 2-725 2-725. Statute of limitations in contracts for sale.1 ) An action for breach of any contract for sale must be commenced within four years after the cause of action has accrued. By the original agreement the parties may reduce the period of limitation to not less than one year but may not extend it.

( 2 ) A cause of action accrues when the breach occurs, regardless of the aggrieved party 's lack of knowledge of the breach. A breach of warranty occurs when tender of delivery is made, except that where a warranty explicitly extends to future performance of the goods and discovery of the breach must await the time of such performance the cause of action accrues when the breach is or should have been discovered.

( 3 ) Where an action commenced within the time limited by subsection ( 1 ) is so terminated as to leave available a remedy by another action for the same breach such other action may be commenced after the expiration of the time limited and within six months after the termination of the first action unless the termination resulted from voluntary discontinuance or from dismissal for failure or neglect to prosecute.

( 4 ) This section does not alter the law on tolling of the statute of limitations nor does it apply to causes of action which have accrued before Titles 1 through 10 of this article becomes effective.

15 USC 1681 ( e ) b ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reports relates.
Product: Debt collection

Professional Debt Mediation is out of Compliance. According to 15 U.S.C. 1681e, this collection agency has not provided documentation as to how my information was obtain. 

The account number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Professional Debt Mediation does not have a license to place collections in Georgia, according to XXXX XXXX XXXX. 

Please delete this collection from my credit report.
Product: Vehicle loan or lease

This was a lease with Nissan from XXXX  that I turned in after the lease was over and got a new lease. The sales manager agreed to eat the residual debt ( Overage on the mileage, new tires, etc ) if I got a new lease. I do not recall the sequence of events thereafter, but I have been getting this delinquency on my credit report now for over 10 years and every time there is a credit inquiry this pops up and is highly affecting my credit. I do not know what the statute of limitations is on something like this, but it is not a valid debt and even if it was, are they allowed to report it as a current debt for decades? Please help.
Product: Debt collection

I have never done business with these company and they are saying this is medical debit. I have never done business with these company and through HIPAA laws no one can sell any of my medical debit under this law. This can not be my debt due to the fact that I have not done business with this company. I have not contacted this company due to this is not my debt and I have never done business with them. I do not want to speak with them and have them take my information and use that information against me. I will not speak with them.
Product: Bank account or service

On XXXX XXXX, 2016 I received an email from Bank of America, stating that they will start applying a monthly maintenance fee on my checking account. This after I have not had to pay a monthly fee for years, in exchange for an agreement to only use their ATM 's for deposits and withdrawals ( i.e. no counter service ). I have sent them a letter of objection and a copy of the email by USPS. The banks website ( and this email ) offer no opportunity to reply via email, only a postal address in XXXX, FL. I will be happy to send you copies of same. Bank greed once again ... apparently still many loopholes in the Consumer Financial Protection Act that they can drive trucks through.
Product: Credit reporting, credit repair services, or other personal consumer reports

OneMain viewed my XXXX credit report on XX/XX/XXXX without my consent or authorization. 
XXXX XXXX XXXX viewed my XXXX credit report on XX/XX/XXXX without my consent or authorization. 
US SM BUS ADMIN ODA viewed my credit report on XX/XX/XXXX without my consent or authorization. I have contacted them and XXXX disputing these inquiries and they never take any action to removed them. Therefore I am asking for them to investigate these inquiries to provide me with documentations bearing my signature that I have authorized them to viewed my consumer file otherwise I am asking that they remove these inquiries from my XXXX file.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

5 {$1000.00} Payments were made from XXXX account XXXX to XXXX XXXX and XXXX XXXX states they did not get them! WE are missing {$5000.00} or so Comenity bank states! 5 payments in the amount of {$1000.00} each were made to Comenity Bank ( The same way each week via bill-pay from XXXX XXXX  for the past 3 plus years ). Each week a payment of {$1000.00} was made. Each payment was electric from XXXX to Comenity some way for the last 3 years NO changes! It is set-up automatically for weekly payments. I noticed that my payments were not posted, so I called Comenity Bank and they stated I did not make the payments. I called XXXX XXXX. XXXX XXXX  and I called Comenity Bank and once again they stated the payments were not made. XXXX and I both sent back-up 's of the payments totaling over {$5000.00} that are missing and they still state the payments were not made. XXXX stated since no changes were made to the payments for the past 3 years they could not help me ( basically since I sent the payment the same way for the past 3 year with no changes electrically no fraud was found ). Below are the payments that are missing XX/XX/2019XX/XX/2019XX/XX/2019 XX/XX/2019XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX INC IS REPORTING INFORMATION IN MY GOOD NAME. 
I HAVE TRIED TO COMMUNICATE WITH EQUIFAX INC AND THEY HAVE NOT RESPONDED TO MY DISPUTES. 
EQUIFAX KNOWS AND IS AWARE THAT I AM A VICTIM OF ID THEFT. 
I HAVE SUMMITED TO EQUIFAX FTC REPORTS EVERY WEEK. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft victim. these items need to be removed asap. this has affected my credit in a huge way XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX