23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

There are six accounts and some inquiries on my credit report that do not belong to me I have been in dispute for these for over two years the credit bureaus are not helping me out I have opened an FTC i have done everything in my powers to remove these accounts but they are not going away. 

XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX - Acct # XXXX Amt {$470.00} XXXX XXXX Acct XXXX XXXX Amt {$960.00} XXXX XXXX XXXX  XXXX XXXX Acct # XXXX Amt {$130.00} XXXX XXXX XXXX XXXX Acct XXXX XXXX Amt {$10000.00} XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX Amt {$1900.00} INQUIRIES XXXX XXXX - Inquiry date : XXXX XXXX, XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX - Inquiry date : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of my previous address from my credit report. I have recently reviewed my credit report and discovered that an outdated addresses are still listed under my personal information. 
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
Product: Checking or savings account

I disputed some fraudulent charges on my debit card and was issued a provisional credit. I went into the Branch and filled out the requested paperwork and the Manager scanned it in to the system. I called for status updates and received the runaround. When I spoke to a representative named XXXX he was attempting to strong arm me about the credit and change the way the incident was reported. I advised him that I have debits set up to come out over the next few days and begged not to close my account. Unbeknownst to me he closed the account anyway causing my bill pays to be returned. It is the first of the month and my bill payments are being returned and causing extra fees,
Product: Credit card

When I applied for a Capital One Business credit card using my EIN on XX/XX/XXXX   I was denied with the reason being that Capital One could not verify my identification. However the hard inquiry instantly hit my credit profile before the company had even obtained my ssn. I had called into Capital One to ask them what documents were needed to additionally to my application, followed the directions and sent in the documents. I was denied on the XXXX of XXXX. After my second complaint I received a call from an executive who left a message and I have yet to personally talk with her but yet my case is closed.
Product: Debt collection

Said TRS Recovery evidently declined my personal check at XXXX under an assertion that I have an outstanding unpaid debt. I have no returned checks to XXXX or elsewhere. When calling XXXX as directed by XXXX to obtain full disclosure of the purported debt under my information, I receive only a reference number of XXXX. I follow the prompts to speak with a rep, and each time I 've called I hold for more than 45 minutes before being disconnected without ever reaching a rep. Their prompts suggest that I can write to inquire about the debt but the information they require to release full disclosure is something that must be verified through an agent ... So it 's essentially a catch 22. I know by law that they are enjoined to provide full disclosure. Arbitrarily declining my 'business ' without justifiable reasons is against federal fair business practices.
Product: Student loan

In XX/XX/XXXX I cosigned a XXXX XXXX student loan for my daughter XXXX XXXX ( now XXXX XXXX XXXX XXXX for XXXX {$35000.00}. On XX/XX/XXXX I filed a Chapter XXXX Bankruptcy which was discharged on XX/XX/XXXX ( File XXXX ). 

Immediately after the bankruptcy filing and continuing through this year, XXXX XXXX reported this loan to all XXXX credit bureaus as " discharged with bankruptcy ''. No collection efforts have ever been made on this loan and I, therefore, assumed that XXXX XXXX agreed with how it was reporting the loan 's status to the agencies. 

Despite often-made statements to the contrary, I am well aware that only Qualified Student Loans can survive a Chapter XXXX discharge and that this loan clearly did not meet this definition since it was for an amount more than XXXX times the cost of attending the school that my daughter was enrolled at. My daughter did not deceive anyone with respect to obtaining this loan ; she disclosed what school she was attending but no one ever questioned her as to the cost of attendance. The IRS is quite clear that " mixed use loans '' can not be considered qualified student loans and this loan was so large that it had to be known that it would be used for purposes other than tuition, books, etc. 

For the past five years I have assumed that XXXX XXXX recognized that this loan did not survive the bankruptcy and there have been no attempts to collect on it from me. That is none until today when I was called by Northstar Location Services, a representative of which informed me that they had been directed to collect on the loan. I asked about the five years of reporting it as discharged by bankruptcy and I was told that they had no knowledge of that. I tried to explain to the representative that it is improper, unfair and probably illegal to report that a loan was discharged and then to suddenly decide to collect on it. I essentially was told that they were acting at the direction of .XXXX/XXXXMy assumption is that XXXX, the " new XXXX XXXX '' has been reviewing its loan portfolio and has decided to try to squeeze more out of it. So they have sold the debt to a collection agency in the hope that they can get me to pay it. On the phone I was even offered a " deal '' whereby I could be removed from the loan for a payment of " only '' {$15000.00}! 

It is simply unconscionable to suddenly change the ground rules on a consumer after five years of taking a position that is diametrically opposite from the XXXX being taken today. This is the kind of underhanded operating procedure that makes consumers dislike dealing with any financial organizations. 

Despite all this I have received nothing in writing from XXXX XXXX or the collection agency. My contact at Northstar is a XXXX XXXX at XXXX XXXX. 

Anything you can do to assist me in this matter would be greatly appreciated
Product: Money transfer, virtual currency, or money service

Hello, my account has been suddenly closed by Paypal, they requested from me to provide them some documents, which i upload instantly. ( my id card, proof of adress, explanation of my transactions ) I have won quite good amount from betting, they can see clear that where the money come from into my Paypal account and after i have use the option to send to some of my friends. They have an option send to a friend or business purpose sending. I have aways choose sending to a friend, because i have never used my Paypal to sell or buy anything, I just use it as a deposit method to enter money into the betting site XXXX. ( Very famous and regulated one ) I have all the proofs from the transactions as well. 
So after i provide them all documents which they require, they have sent me email that close my account permanently and that they will hold my funds up to 180 days, which is very long period and i really need this money in that period of time. I got an answer from them which is totally weird, they say that they have to check if some of the buyers has made any complains against me, but there are not buyers and sellers in this story as i mention above. I have not selll or buy anything. Just betting and send friends. 
My account is linked to email : XXXX Thanks you for your help Best Regards XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I spoke with XXXX at Experian Legal Department today. He stated he will dispute an address which is removed XXXX XXXX XXXXXXXX XXXX XXXXXXXX WA XXXX. 

I have not supplied proof under the doctrine of estopper by silence, Engelhart v. Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Debt collection

on XX/XX/2022 i sent a debt validation letter to convergent in reference to a debt that the company claimed that i owed. on XX/XX/2022 convergent responded back to me with documents of billing ledgers with balances different from the amount in which they claim that i owed. the cover letter states that i owe XXXX but after reviewing the documents there was not a single paper that proved that i owed this amount. convergent is falsely reporting this information to my credit reports which is hindering my score and credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

its a bunch i have hard inquires on here that was not done by me i called tried to dispute online nothing credit is still the same.. 

Also its address that are not mine on there as well as a ss number thats not mine on there as well... 


XXXX XXXX {$750.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX {$580.00} XX/XX/XXXX XXXX XXXX  {$150.00} XX/XX/XXXX XXXX XXXX {$370.00} XX/XX/XXXX XXXX  {$1200.00} XX/XX/XXXX i have XXXX inquiries that i did not do nor authorize to be done on my behalf.. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three accounts on my XXXX, XXXX, and Transunion report that needs to be removed because they are aged past the 7 years it is supposed to be reporting on my credit report and they are all reporting inaccurately. Please remove. 

XXXX - XXXX **** USDOE/XXXX - XXXX US DEPT OF EDU - XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX CARD ) was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX CARD ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been notified on several occasions in regards to credit report removal ; however, it 's been removed from  XXXX  but still reporting as an closed account on  XXXX , and still opened on  XXXX  and also on Experian. This company has violated several FDCPA laws and regulations that 's the reason it 's been disputed and had to be removed from my credit, but it 's still effecting my score and putting a strain on my life. I need this completely updated and removed from my credit ASAP! Otherwise I have no other choice than to pursue further w hich may resu lt in a lawsuit.
Product: Checking or savings account

I closed my account in early XXXX. Ally Bank promised to refund my balance within 10 days. I never received a check in the mail. In early XXXX, I contacted Ally Bank to notify them that I never received the check. The made me fill out a lost check affidavit and promised to send the check within ten days. A week later, they told me that the affidavit needed a e-signature, so I complied and filled out the form again with an e-signature. Two months went by and I never received a check. I reached out again to Ally Bank and they are now telling me that I need to send in the affidavit with a physical signature. Ally Bank has made zero efforts to return my money. They seem to be making it excessively difficult to return my money and keep giving me different answers about what I have to do to get it. Avoid this bank and stick with established banks -- they are more responsive and less shady than Ally Bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX  XXXX XXXX Balannce : {$410.00} XXXX XXXX Balance {$580.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA THAT THE 3 BUREAU required by law to remove any account which is found to be opened due to identity theft.
Product: Debt collection

Original complaint submitted by me via CFPB on XX/XX/XXXX. Ad Astra responded for a XXXX XXXX on XX/XX/XXXX via CFPB. Second complaint filed via CFPB by me on XX/XX/XXXX. Ad Astra responded on XX/XX/XXXX that " In acknowledgement of this dispute, we have requested the account be reported with consumer reporting agencies as disputed. The account was placed in a do not contact status per the ongoing dispute. '' I am requesting this account to be removed during this on going dispute.
Product: Checking or savings account

I am writing to bring to your attention a series of ongoing fraudulent charges that have been appearing on my banking account with Wells Fargo. Despite my repeated attempts to address these unauthorized transactions through the proper channels, I have yet to receive reimbursement the funds that have been unlawfully taken from my account. 

The fraudulent activities have been persistent, spanning from the years XXXX to XXXX and originating from various financial apps accessed through my stolen XXXX, which was compromised in several data breaches involving my financial accounts. As a result of these unauthorized transactions, my Wells Fargo bank account was ultimately closed due to the excessive number of fraudulent charges that were incurred. 

Despite my diligent efforts to dispute these charges with the customer service fraud department at Wells Fargo when they initially occurred, the response I received indicated that the volume of charges exceeded a certain threshold, necessitating the closure of my account. This decision was made despite my compliance with the dispute procedures outlined by Wells Fargo. 

Taking immediate action, I promptly filed police reports to document the fraudulent activity resulting from both the robbery and the data breaches that compromised my financial security. I have provided Wells Fargo with detailed evidence, including bank statements highlighting all unauthorized charges and references to the respective police report numbers ( Robbery : XXXX ; Data Breaches : REPORT NUMBER : XXXX ) to support my claims. 

Even after being issued multiple replacement debit cards, my banking account continued to be compromised as a consequence of my phone 's involvement in the data breaches. This ongoing situation has caused significant distress and financial harm, for which I seek resolution. 

Therefore, I kindly request that Wells Fargo conducts a thorough investigation into these fraudulent charges and expeditiously reimburses me for all unauthorized transactions that have plagued my account. 

Your prompt attention to this matter and timely resolution of this issue would be greatly appreciated. I expect a swift response acknowledging the receipt of this complaint and outlining the actions that will be taken to address this critical matter. 

Thank you for your immediate attention to this urgent issue
Product: Credit reporting or other personal consumer reports

I am rewriting to address multiple unresolved issues with the information on my credit report in I C SYSTEM, despite prior disputes I filed regarding inaccuracies. I initially reached out to correct discrepancies, including errors in the dates of last payments, dates accounts were opened, payment history, and account status. 
After providing supporting documentation, I was assured that an exhaustive examination had been conducted. However, as of today, my credit report remains unchanged, and the errors persist. Moreover, I have noticed negative actions have been taken on my credit report despite these unresolved issues. My full name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX XXXX. My date of birth is XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. Under 15 U.S.C. 1681e ( b ), I C SYSTEM is required to maintain reasonable procedures to ensure the accuracy of the information provided, and my submitted evidence of inaccuracies shows a failure to do so. According to 15 U.S.C. 1681i, I C SYSTEM is obligated to investigate disputes within 30 days, but I have not received any update or resolution. This delay constitutes a violation of my rights. Furthermore, under 15 U.S.C. 1681 ( a ) and 1681b, a consumer report can not be shared without my written consent unless exceptions apply. I request confirmation that my consent was obtained for any recent disclosures of my credit report. As part of my efforts to resolve this matter, I have filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX and expect I C SYSTEM to cooperate with the FTC in addressing these concerns. To resolve this promptly, I request a reinvestigation of my credit report, specifically addressing the inaccuracies in payment dates, account opening dates, payment history, and account status. I further request that erroneous information be corrected or removed immediately. 
Please provide a detailed written response outlining the steps taken to resolve these issues and ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will consider further legal action, including seeking damages for violations of the FCRA. I expect your prompt attention to this matter and resolution within the legally required 30-day timeframe.
Product: Credit card or prepaid card

I am a senior citizen who had Citi Bank Master Card for many years. I always paid my balance in full all the time and my credit is also in good standing position. Today I went to grocery shopping and my card was declined! I went to second store for shopping and that was also declined which was quiet embarrassing experience that I had in my life! 
I called the number printed on the back of the card and I was told that my card was cancelled by them for inactivity! I was not aware of any thing like this. Anyway person named XXXX asked for my personal information to reactivate the card and I made sure that I do not want to pull my credit. 
After taking my information he declined to reactivate my card so I requested to talk to the supervisor in charge. I was directed to talk to the person named XXXX and I again made sure that I am not applying for new credit card and I do not want to have my credit pulled if not necessary and I do not want to apply for new credit card. 
He trapped me and took my personal information as well as my Income Expenses over the phone to reinstate the credit card. At the end he turned around and told me that they will let me know if my card gets reinstated or declined! 
Being a giant credit card company I think its not appropriate to : 1. Deny someone's credit card for nothing!

2. Get personal information and kind of reapplying for reinstating my credit card despite my denial!

3. I was stranded due to Covid-19 situation and also was unable to do my own shopping in person at the stores due to Covid-19. This not right way to treat senior citizen.
Product: Consumer Loan

I previously had a vehicle loan with United Auto Credit. I had fallen behind and had my car repossessed. I understand that, and am not disputing that. What I am upset about is the way they are going about trying to get the money that is still owed, according to them. I am now getting emails, with no indication of the mini-miranda, not even verifying that it is me and saying amounts I owe. Very unprofessional and honestly I 'm glad I still have that email. If not, who knows who that info could have gone to.
Product: Checking or savings account

I was the victim of a robbery on XX/XX/XXXX at a local supermarket. 

After the robbery occurred unfortunately my cell phone and other forms of communication were off temporarily and since Im XXXX I couldnt step into a branch right away. 

I finally was able to come into a Wells Fargo branch on XX/XX/XXXX and within that time period my Wells Fargo business debit card was used fraudulently to the tune of over {$5600.00} in transactions both in stores and online and these obviously were not transactions authorized by my business as I provided a police report that day to help further my claim. This has caused my business checking account to also go over {$700.00} overdrawn as well. 

I disputed this fraud to Wells Fargo and they reviewed both my case and a police report that outlined the crime and still denied my claim within just a few days. 

Im appealing this to the highest degree because these transactions were truly not authorized by me or my company and this has caused a major disruption within my business.
Product: Debt collection

On XX/XX/2020 I made a payment of {$300.00} to careerstep for a course I did not attend a single class and they forwarded my name to for debt collector. I forwarded an email to them to cancel any contract I may have enter but to my surprise several calls and harassment from monetary financial services was mounted on me to pay up for debt I did not incurred. No materials course, No documents and No instruments was sent to me in relation to the courses but they want me to pay for services that was never rendered.