23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

At the time of this loan my name was XXXX XXXX. I got the loan in XX/XX/XXXX. I started off pretty good, but through the course of the loan I lost my job and had to take a lesser paying job in XXXX. My finances decreased and I couldnt really afford the car. GM Financial offered me deferment to get current. Eventually I fell behind again. I had lost another job, I dealt with the lost of my daughters father to XXXX, after while I asked about refinancing and they said they didnt do any refinancing. I tried my local bank and they told me I was upside down in the vehicle. So there I was stuck in a car loan that I couldnt get current in no matter how hard I tried. My loan was for about {$15000.00} and by the time I voluntarily surrendered the car I still owed them {$12000.00}. I was disgusted, depressed, and felt taken advantage of. I couldnt see myself throwing money away to interest and never owning the car. I felt relieved afterwards but still upset because I threw away so much money. Now Im still owing a balance on car I dont have and it is negatively affecting my credit. No one at GMFinancisl every told me that it wAs a simple interest loan or what my per diem rate was. Now I know about these things I feel that this was a ripoff, like predatory lending. I feel this balance should be XXXX and removed from my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my Equifax credit report & it is showing the Mortgage account owned by XXXX are 60 Days Payment late. This is not correct, and I am attaching my bank statement to show that the account was never " 60 days Late ''. This incorrect credit reporting is now hurting my score and went down XXXX points.
Product: Debt collection

Most of the dates are XX/XX/year> when the calls began and, constantly up to date now.
Product: Payday loan, title loan, or personal loan

CREDITOR- NCA CHECK N GO NCA Check n go is Reporting False information on my credit report it appears as open with a balance reporting on XXXX and XXXX the first thing is the amount that is showing I never received that amount on the payday loan this collection keeps getting removed and placed back on my credit report when this item should be appearing as a closed loan with a XXXX balance owed I do not owe this company anything I never received that money that they claim I owe. Check n go is a. Payday loan company and shouldnt be reporting on credit reports also check n go acts as if they are a financial institution on the credit report it says nca check n go financial is a payday loan company and are doing fraudulent activitys by acting and reporting as a financial institution also check n go has sold to another company and is still reporting on my credit
Product: Credit reporting or other personal consumer reports

Dispute of Incorrect Account Reporting. I am not XXXX, and a payment of {$3200.00} from THD/CBNA was taken and paid someone else 's account that is not mine. Now I am in a lawsuit due to the company error, AND I WANT MY MONEY BACK!
Product: Checking or savings account

I received an email this morning to my email address at XXXX advising me that I had been enrolled for Online Banking and a Checking Account through Bank of America. I have never used Bank of America in my life. 

I attempted to call and report the fraud to them, but they will not allow me to speak with anyone without an active account number.
Product: Credit reporting

Equifax did not address my concern. The courts did not report any public record information to the CRA, therefore an indirect party, third party, has provided the CRA with this information. They CRA 's credit summary is misleading, as if the a Gov Agency, the judicial system, is the equivalent of a creditor or data furnisher, reporting public records to the CRA, which the court does not. 

Equifax Credit Information Services said : Explanation of closure Please be advised the creditor verified the Judgment case number XXXX correct as reported. Please be advised Judgment case numbers XXXX, XXXX and Bankruptcy case number XXXX has been verified as reported with the following Name, Social Security Number and address. Written confirmation has been mailed to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency has not provided me with proof that the inaccurate accounts on my credit report are mine.
Product: Credit reporting

I have a caharge off with XXXX, when in reality the amount charged of has been added to my Mortgage total.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in XXXX, I was given a Jewelry Credit Card account with Wells Fargo and this account was shown on my dashboard for all of my accounts. Within a few months, Wells Fargo closed that line of credit, but I still continued to have a balance. I continued to pay on that balance for the next several years. It was a monthly payment that I thought would be good for my credit history. 

In XX/XX/XXXX, there was an occurrence that I guess I missed a payment. I was unaware that I had missed a payment and I don't remember seeing anything on my emails, dashboard or anything that said I was due. I know that I'm most definitely wrong, and that I most likely missed the month of XX/XX/XXXX in terms of what should have been a ( {$45.00} payment ), but I'm hoping and pleading with Wells Fargo that they grant me a 1x removal of that 30 day late entry on all three of the credit reporting agencies. 

I've since paid off the account and closed it ( as of XX/XX/XXXX ). I have also taken necessary " auto-pay '' features on all of Wells Fargo accounts I own so that I never miss another payment to anything. This one time removal I know is not something that is typical, but this entry is preventing me from pursuing a refinance loan thru the VA on my home and would really appreciate the courtesy and goodwill gesture. 

I've attached the screenshot of the reporting. I no longer know the account number associated with the file since the account is closed.
Product: Credit card or prepaid card

With a zero balance ( paid off my account XX/XX/XXXX to the amount of {$3500.00} and a second payment of {$50.00} on XX/XX/XXXX to cover rest ) after paying off an initial promotion, I received a new balance transfer promotion of 0 % interest if paid in 9 months from Barclay bank ( XXXX visa ) in the amount of XXXX plus a fee of XXXX on XX/XX/XXXX. Due to the size of the payment " no payment due '' until XXXX of XXXX. This offer receipt shows up for the first time on my XXXX XXXX XXXX statement. 

I called to verify that my last payment would be due in XXXX to satisfy the debt ( that would be the XXXX month and billing cycle from the date of deposit ). They told me the promotional period ends XX/XX/XXXX. This is 8 months of a promotional period, not 9. 

I called 2 times to get the information I needed. The first person told me the terms ended XX/XX/XXXX ( also not correct ) so I'm glad I called back. The 2nd call, two agents later, kept going around in circles about how " I can see your point that it's only 8 months but that's the terms of the agreement for 9 months. '' This is not mathematically correct or appropriate. So now am I not only going to miss the XXXX month, forcing me to pay the interest in bulk, but the payments I would have made should they have been transparent, or rather non fraudulent up front, could have been bigger to account for the deficit due to their misleading advertising. I do see on my XXXX statement they allocate the expiration to XXXX, and that again is not a 9 month term. Look at a calendar. XX/XX/XXXX to XX/XX/XXXX is 8 months. Simple math. 

I have audio from the call of more than one agent acknowledging that it's clearly only 8 months from distribution and yet " those are the terms. '' Those were NOT the terms.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am writing to file a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXX XXXX XXXX XXXX 
Despite multiple requests for correction, including letters dated XX/XX/year>XXXX XXXX XXXX my requests have been ignored. Both XXXXXXXX XXXX XXXX have already removed the inaccurate late payment from my credit report after confirming the error, yet TransUnion continues to report this inaccurate information, negatively affecting my credit score. This is a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The late payment reported by TransUnion suggests a failure to comply with this requirement. Additionally, under 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of the information in consumer files, which has not been upheld in this case. 
TILA Violations : The Truth in Lending Act ( TILA ) requires accurate and timely disclosures to consumers. The continued reporting of an inaccurate late payment by TransUnion has caused undue harm to my creditworthiness.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
Evidence of Removal by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have removed this late payment entry due to inaccurate information provided by XXXX XXXX. Their actions further prove that the late payment should be corrected or removed from my credit report with TransUnion as well. 
I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately. If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the relevant agencies. 
XXXX Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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
Product: Checking or savings account

There was fraudulent activity on my account and I spoke to BOA About the situation and the said that it was going to be investigated and that they were going to reviews cameras etc, I said okay.they called me days later telling me not to worry about it now time later I can't open a bank account no where because they reported to XXXX.total amount Bank of America reported was {$7800.00} witch was totally unfair that as a customer with Bank of America to do this to me is wrong.Also I wrote Bank of America letters asking them to take this off my record it's damaging my life as a father of XXXX boys that is a victim of identity theft.ive always paid what I owe and I want to continue services with Bank of America.
Product: Debt collection

RESURGENT CAPITAL SERVICES, IS ATTEMPTING TO COLLECT ON A DEBT THAT THEY CLAIM IS MINE, BUT IT IS NOT REFERENCE # XXXX. ITS BEEN PASSED AROUND TO THEM FROM ANOTHER COLLECTOR, LVNV FUNDING WHICH IS STILL NOT THE SUPPOSED ORIGINAL CREDITOR. SUPPOSEDLY ORIGINALLY BELONGING TO XXXX  XXXX. I AM DEMANDING A VALIDATION OF THIS DEBT THAT THEY CLAIM I OWE, IN WRITING AND IN A TIMELY MANNER ACCORDING TO THE FAIR CREDIT REPORTING ACT. IM ON SSDI, SO MY INCOME IS FEDERALLY PROTECTED FROM SCAMMERS LIKE THIS. I DONT EVEN KNOW WHEN THAT WAS, BUT IM SURE THEYLL TRY REAGING THAT FRAUDUALANT ACCOUNT, I HAVENT APPLIED FOR ANYTHING IN YEARS.
Product: Debt collection

I was part of the XXXX XXXX Debt collection process with my Mortgage Loan via BOA and was never included in the class action lawsuit. Is there anything I can do to claim any monetary funds due to the issues they caused my credit report, finances, etc.? Please let me know and thank you again for your time! WE were all taken advantage of by them!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit card

so my complaint is again citibank i couple months i been having about 12 to 14 transactions with out my authorizationin XXXX washington when i call citibank to complain and dispute this charges i didnt receiveany help even when i was complaining iver the phone a transaction was preceding during the call in seatle i leave in XXXX XXXX california i got the letter from them that y dispute was denied i fight secon time they said that i used my pin number that are transatcions that i did i really upset with citibank now i got 2 small transactions again i dispute for this transaction again i not feeling confortable anymore with citibank i supposted be a trust bank even customer service is so bad no greet you as soon you enter one of the brunch if i need withdraw money the dont enough big bills ost of the time leave with a lot of 20 is so inconvinience i told them that i will complain with you guys because is no fair is my money and you trust a bank for your money to be safe and no they ending rob you. 
XXXX
Product: Student loan

Hello, I made a payment of {$3700.00} on XX/XX/20 for the student loan I have. The payment has never been applied to my account. I have sent several emails asking where the money is with no responses. I called today because the payment is still not showing that it was posted to my account. I spoke with one person that said it was applied to my principal but he couldn't show me any documentation of that because of how it was applied. I asked him to send me an email stating that activity, he said he would but I never received it. 
I called back and spoke to another person and he stated that he showed the {$3700.00} was refunded, payment cancelled, upon my request. I NEVER called and cancelled a payment and I have NOT received a refund. The person I spoke to said that he filed a complaint to have the issue looked into to see where the money is. I am very upset because my payment is " lost '' and I have received two different explanations. I am attaching my confirmation of payment that was " posted '' on XX/XX/20.
Product: Debt collection

I have sent multiple letters to The credit bureaus XXXX, XXXX, and XXXX, about multiple derogatory accounts that showed up on my credit report and has caused me to get denied for a mortgage loan. I have since then sent dispute letters to all 3 of the bureaus to verify the legitimacy and accuracy of these derogatory accounts. 

XXXX could not verify the accuracy of these accounts and has removed XXXX collections accounts from my credit profile. Which I asked them to do if the accounts could not be verified. 

XXXX has not shown me any information to verify these derogatory accounts and the account continue to remain on my credit file. 

XXXX has delivered an electronic response that does not provide the original documentation of the debt that I supposedly owe and has not given proof of accuracy for any of the accounts being disputed. 

have sent XXXX dispute letters by mail to each of these bureaus. However, no bureaus have provided information in the mail for legitimacy and accuracy of these derogatory accounts effecting my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The large Equifax hack leaked my personal financial identification data. My credit cards, XXXX, and other personal identifiable data could potentially be used to steal my identity and commit fraudulent financial acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote many complaints My privacy being violated And not following up With the standards of XXXX XXXX compliance And by FCRA standards the information shouldnt be reported due to mis information
Product: Debt collection

FOREST RECOVERY SERVICES has failed to validate an " alleged '' debt in the amount of {$2000.00}. According to the FDCPA, the validation information must include : ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information. ( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ). Official interpretation of 34 ( c ) ( 1 ) Debt collector communication disclosure. Show ( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collectors name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( i ). Show ( ii ) The consumers name and mailing address. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( ii ). Show ( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iii ). Show ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iv ). Show ( v ) The name of the creditor to whom the debt currently is owed. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( v ). Show ( vi ) The itemization date. ( vii ) The amount of the debt on the itemization date. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( vii ). Show ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( viii ). Show ( ix ) The current amount of the debt.
Product: Checking or savings account

I am writing to file a formal complaint against Wells Fargo Bank regarding an unresolved issue involving an ATM deposit error that occurred on XX/XX/2024. Despite my efforts to resolve this matter directly with the bank, I have not received a satisfactory resolution. 

On XX/XX/2024, at approximately XXXX XXXX, I sent my son to the Wells Fargo branch located at [ XXXX XXXX XXXX XXXX XXXX NC ] to deposit {$7100.00} in cash into my account he deposited via the ATM. The machine processed {$600.00} at a time, returning the remaining cash each time, and he continued to reinsert the funds. The machine successfully deposited a total of {$3000.00} in five increments of {$600.00} each. Additionally, it deposited {$480.00} and printed receipts for these transactions, totaling {$3400.00} deposited. 

However, when he attempted to deposit the remaining {$3600.00}, the machine accepted the cash but neither printed a receipt, returned the money, nor credited my account. We immediately reported the issue to the branchs customer service, who advised me to contact Wells Fargos customer service hotline. A temporary credit of {$3600.00} was issued to my account while the bank investigated the matter. 

Unfortunately, on XX/XX/2024, Wells Fargo reversed the temporary credit, leaving my account overdrawn and asserting that their investigation found no errors with the ATM. Despite my multiple attempts to resolve this matter directly with Wells Fargo, including speaking with their ATM service department and submitting a formal dispute, I have not been able to recover the missing {$3600.00}. 

I have enclosed copies of all relevant documentation, including ATM receipts showing the successful deposits, my bank statement reflecting the temporary credit and subsequent reversal, and records of my communications with Wells Fargo. 

I kindly request the CFPBs assistance in resolving this matter. Specifically, I am seeking a thorough review and rectification of the discrepancy, including : XXXX. A re-examination of the ATM transaction logs and cash reconciliation reports for XX/XX/2024. 
XXXX. A review of any available security footage from the ATM. 
XXXX. A detailed explanation from Wells Fargo regarding the investigation process and findings. 

Thank you for your time and attention to this matter. I hope that with your intervention, this issue can be resolved promptly and fairly.
Product: Mortgage

Quicken loans / Rocket mortgage did two hard pulls on my credit without authorization. These inquiries showed up on my monitoring without providing consent for Quicken to do a hard pull in either instance. I am currently shopping for mortgages and all other providers did a soft pull and got explicit consent prior to running a hard pull. Quicken did two different hard pulls neither requesting consent or warning of the pull in advance.