23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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: Credit reporting or other personal consumer reports

I am a victim of Identity theft. The information listed below, which appears on my credit report, is the result of Identity theft. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$2800.00}
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023, I had my car repaired, and I took a loan from Koalifi, who is DBA West Creek Financial. I borrowed a total of {$3500.00} and have paid a total of {$2600.00} to date, when I contacted the company to pay the debt off, they said I could pay it off with XXXX, which is in addition to the {$2600.00}, I have already paid. This is predatory unfair loan practices. I was supposed to pay the XXXX in 90 days to avoid the excessive fees, but I didn't have the money because my mortgage had doubled due to an increase in property taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a reporting on my Experian credit report that has exceeded the 4 year statute of limitation that should have been removed. There has been no activity on this account for over 6 years. It is being reported as XXXX XXXX XXXX. They keep reporting every month and updating it after my repeated requests to Experian to have it removed. I've filed numerous disputes to no avail. They refuse to remove it.
Product: Vehicle loan or lease

I set up arrangements with Santander uSA and they did not allow me to start making payments before repossession.I was told that I could start making payments the next payment date and that I could keep the car but they repossessed instead and still harassed me for payments every day
Product: Student loan

The company consistently changes information on its page, including due dates and anticipated payment amounts. Each time I access my account it says I am in a different repayment program and have a different due date. I have made various payments and not all of the money has been applied to my loans. It also hasn't been applied to interest or fees- the money just disappeared. As an example, I made a payment of {$1500.00} in XX/XX/2023. The payment was confirmed and {$1500.00} was taken from my bank account. Nelnet only applied {$920.00} to my account. I asked for additional information and have received no response as to where my money went. They effectively stole over {$500.00} from me. I also believe they are miscalculating interest. Interest is compounding at an alarming rate and higher than the annual rate agreed to. Despite making substantial payments since interest started accruing, they have charged more than XXXX XXXX in interest. The calculations are inconsistent. Nelnet has ignore all requests for information.
Product: Mortgage

Beginning in XX/XX/2020, XXXX loan servicing stopped sending me all monthly statements, updates, and end of year tax forms. I was unable to access my account online due to their shoddy website which was riddled with problems. I called two times, both of which required an hour on the phone going through multiple automated menus before I held to speak to a representative. Once I spoke with one they said the mail was being returned to them. I had not had any returned mail issues with any other mortgage lenders or current billing vendors. Due to not receiving mail I was unaware of an increase in charges to my monthly statement, so although I was paying the same monthly amount as always, XXXX XXXX put my account in delinquent and damaged my credit. I only knew about the outstanding amount because of my credit reporting company alert. Once I was alerted I immediately called XXXX XXXX, paid the difference, and requested mail to be sent to me. Still, two months later I still had not recieved a statement. Yet, they continued to charge me late fee for the months of which my payment was not adjusted to the new payment, a payment which I had no idea what amount it was as I had never been notified. This is the absolute worst mortgage company I have worked with in 20 years.
Product: Payday loan, title loan, or personal loan

I acquired this spotloan and was trying to pay it off early XXXX and was told I had to wait until my latest payment was processed on XXXX of {$150.00} in case I may be overcharged. 
I did pay {$400.00} which lowered my balance to {$280.00} The agent told me to wait until the {$150.00} payment on XXXX has cleared. 

I called again on XXXX-The agent told me to wait until the payment had cleared which it did.. 
{$150.00} was charged on XXXX I called back today and they told me I owed {$280.00}. That was not correct!!! 
Which should've lowered my balance {$130.00}. But it did not. Instead the supervisor said we will allow you to pay this off for {$200.00}. I told them this is not correct and told them I would be reporting them for fraud. Clearly they wanted me to wait to charge me more. 

3 payments of $ XXXX {$460.00} XXXX XXXX {$400.00} - came from my XXXX XXXX account XXXX below is my XXXX  accountancy made All payments= {$860.00} XX/XX/XXXX SPOTLOAN XXXX XXXX XXXX : XXXX ACH debit - {$150.00} {$200.00} XX/XX/XXXX SPOTLOAN XXXX XXXX XXXX  : XXXX ACH debit - {$150.00} {$390.00} XX/XX/XXXX SPOTLOAN XXXX XXXX XXXX XXXX XXXX ACH debit - {$150.00} {$350.00} XX/XX/XXXX WITHDRAWAL XX/XX/XXXX | See details of this withdrawal. 
XXXX. debit - {$800.00} {$6.00} XX/XX/XXXX VBS_Spotloan XXXX XXXX ID : XXXX ACH credit {$800.00} {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I REQUESTED THE METHOD OF VERIFACATION FROM TRANSUINION THEN THEY STATED THE US BANKRUPTCY COURT WAS WHO THEY VERIFIED THE ACCOUNT THRU. I WROTE THE BK COURT AND THEY WROTE ME A LETTER STATEING THAT THEY DO NOT REPORT TO ANY OF THE AGENCIES, I WROTE XXXX XXXX THEY SENT A LETTER SHOWING THE ACCOUNT DELETED AND THAT LETTER WAS SENT TO TRANSUNION AND THEY STILL WILL NOT REMOVE THE BANKRUPTCY. THESE LETTERS OF COMMINACTION ARE ATTACTED IN THE UPLOAD. THANKS FOR YOUR TIME.
Product: Debt collection

Wells fargo is reporting a credit card on my credit report that Inhave been trying to dispute. They have yet to provide proper validation of the debt. The account was opened before I was even XXXX.
Product: Credit card

PayPal cash back XXXX rewards withheld due to online inaccessibility.
Product: Debt collection

Unknown when it occurred posted on credit file on XX/XX/22 the amount of XXXX  from choice recovery
Product: Money transfer, virtual currency, or money service

I placed a complaint on XX/XX/2020, except the response that was received back is not a response. I submitted all documentation to XXXX then on XX/XX/2020 another representative sent another email asking for the exact same information that was already sent. Then on the XXXX another representative sent an email asking for my identification with me holding my id next to my face. Except it was already sent with a letter stating that no estate would be open due unless decent has XXXX XXXX or more. I'm not understanding why an additional license is required without my face when the previous two ask for that. I also spoke with a square representative, who stated they had nothing to do with cash app but yet I received a response back from them. This sounds fraudulent to me denying to be afflicted with cash app. Who are you afflicted with then? Do I need to go public with this issue meaning world wide on the news regarding Square and cash app?
Product: Credit reporting, credit repair services, or other personal consumer reports

This the 7th time i've reach out to Experian and still haven't got results this very last time was dated on XX/XX/XXXX Experian Company responded on XX/XX/XXXX saying that my CFPB complaint does not appear to have been sent directly by me or to be authorized by me which is FALSE, i don't understand because i'm NOT working with anyone or any credit company i'm doing this complaint and disputes myself ... in the past i have called Experian and filed a dispute over the phone that did not help at all!! just got a letter saying all the fraudulent account was verified with no explanation or proof when that didnt work ... 8 months later i log into the Experian dispute website and filed a dispute with supporting documents such as FTC report POLICE report ID and still haven't got a result next i mailed letters to Experian still nothing even FILED a complaint with the CFPB which they replied saying that i need to do it over again because they feel like i didnt authorized my complaint my Experian Report Number is XXXX ( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report was open fraudulentlymy FTC Report Number XXXX and Police Report number XXXX XXXX ( b ) Block. Item must be blocked in no less than ( 4 ) days ACCOUNT NAME : XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX {$300.00} i sent in my FTC report and also My police report .... my next step is to hire a attorney to help me with this matter if Experian continue to not fix this issue i already place a fraud alert
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting payment percentage incorrectly to Equifax Bureau at 45 %. All other bureaus have corrected the percentage to 100 % for deferment due to Natural Disaster.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 requested that XXXX and Transunion to investigate my accounts, it has been over 30 days. 

According to 15 USC 1681I they have 30 days to investigate and send me results. 

XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Product: Debt collection

Capital One sold my information without me knowing it to XXXX XXXX XXXX, XXXX. My credit card was hacked. I noticed unknown activities being done on my card. I called Capital One and told them this. I also told them to freeze my card and I destroyed mines after knowing that thieves were running in and out of my new home. I was paying monthly but it just got out of hand. The next thing I know this collections agency has been blowing me up about payments or pay the full amount on this credit card. So Im suppose to pay for this card and thieves abused the card. This collections service is eating my was good credit up. This card has been used through Identity Theft and several other cards as well. I received an email from XXXX My ID from XXXX XXXX. It showed me this information like Im on the XXXX wed site my SSN and Driving License has been hacked. I have a collections agency calling me pretending to be XXXX XXXX, there telling me I have a bill for {$1300.00} sum for a loan. I told them its not me I havent been to XXXX last year or have any plans on going there. They call my number daily. I had a law firm look into it they told me to disregard there calls cause they dont exist. 
Im trying to get this collection agency resolved with knowing Ive been hacked in many ways, please assist me with the removal of this unfortunate misery.
Product: Mortgage

ok on XXXX I have to declare bankcrupcy chapter XXXX while having a WellsFargo mortgage and the reafirmation proccess on this mortgage was not completed on time and ever since the bank has refused to report my payments with the XXXX credit bureaus even though I have never been late or missed a payment since I took out this mortgage in XXXX. 
What recourse do individuals in this situation like mine have? it is been very hard for me to refinance to take advantage of lower interest rates currently avialable to me.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, which has resulted in several unauthorized items appearing on my credit report. These include XXXX accounts and XXXX inquiries that I neither authorized nor initiated. These entries were added without my knowledge or consent. 

ACCOUNTS - XXXX XXXX - XXXX XXXX XXXXXXXX INQUIRIES- 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 I have already reported this identity theft to the Federal Trade Commission XXXX FTC ). I am requesting the prompt removal of these fraudulent accounts and inquiries from my credit report to ensure its accuracy.
Product: Checking or savings account

Someone used my personal information to open a Checking and Savings account with Bank of America in XXXX. It is now XXXX and after several calls with Bank of America and proving that I am me, Bank of America will not close these accounts. These accounts were both opened when there was an active XXXX XXXX on my credit accounts. Bank of America did not attempt to contact me like suggested by the fraud alert before opening the accounts. Today ( XXXX ), Bank of America allowed someone to try and open a credit account in my name. Directly after the XXXX incident, I have my credit frozen at all three bureaus, yet Bank of America still did a hard hit on my credit ( XXXX point decline... ) I contacted them again and they, again will not help me close these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to dispute wrong information on my transunion credit report. I went online submitted all the information and received a message they can not access my report. I was given a phone number to call XXXX. I tried to call this number ... .was told my credit file is in another department. I was transfered to the next department and they told me they need to transfrer me to another department. I have been transferred 4 times then I finally told the rep that they keep transferring me and I need to dispute an account " XXXX XXXX XXXX '' and XXXX XXXX XXXX XXXX XXXX '' that DO NOT belong on my credit report. These 2 items were to be deleted over 5 months ago. I was told they need to transfer me again. I am submitting this complaint because I can't dispute with transunion this wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you today regarding an alleged dismissed bankruptcy that is reporting on my credit reports. I have disputed it with XXXX, and they removed it from my Consumer File. I then proceeded to dispute the bankruptcy with Equifax, and they are not complying appropriately with the Fair Credit Reporting Act. It was recommended to me that I initiate a complaint with your organization. I have attached all the supporting documents for your review. 
On XX/XX/2020, I received a letter from XXXX stating that they XXXX was unable to verify the accuracy of bankruptcy case number XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and subsequently removed this record from your XXXX report. 
I proceed to send a letter to Equifax on XX/XX/2020 and attached the letter I received from XXXX. Equifax responded back with a letter that said that This section includes public record items Equifax obtained from local, state and federal courts through a third-party vendor, XXXX. In addition, they stated that this public record item is reporting correctly. 
I was confused to how Equifax verified this information since XXXX had already removed it from my consumer report. I went to the recommended website to find out more information and I found out that XXXX does not match bankruptcy information to consumer credit files for Equifax, Equifax performs the matching. 
I then again proceeded to send letters to Equifax dated XX/XX/2020 and then again on XX/XX/2020. I never received a response from Equifax. 
Then I sent a letter XX/XX/2020 via certified mail receipt number XXXX XXXX XXXX XXXX XXXX. According to USPS tracking, this letter has been received on XX/XX/2020. In this letter, I asked Equifax for a description of the procedure used to determine the accuracy and completeness of the investigations performed on my credit report. According to the Fair Credit Reporting Act : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. of such furnisher, if reasonably available ; It is now XX/XX/2020 and I have not received a response from Equifax. Equifax has failed once again to comply with the FCRA. 
Attached is all documentation regarding my complaint against Equifax. 
I ask that Equifax complies to the Fair Credit Reporting Act and removes the item Chapter XXXX  Bankruptcy case number XXXX from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal loan. Or installment account. Account close paid as agreed Personal loan XXXX XXXXXXXX XXXX. Updated XX/XX/XXXX XXXX close account PAID AS AGREED Updated XX/XX/XXXX. XXXX Updated XX/XX/XXXX Updated XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I applied for a new auto insurance policy with XXXX through their website. I was quoted a premium of {$96.00} for the new policy and authorized this amount to be charged to my Chase debit card. During the application process, there was a mention of a past due balance of {$360.00} from an older policy, but I was not given a clear option to pay or not pay this amount. There was no separate check box or prompt to accept or decline paying this past due balance.After completing the application, I received an email receipt confirming the payment of {$96.00} for the new policy, with no mention of the {$360.00}. Later that day, upon checking my Chase account, I discovered that XXXX had debited an additional {$360.00} from my account without my authorization.I immediately contacted XXXX to dispute this unauthorized charge. XXXX agreed to refund the {$96.00} upon canceling my policy but refused to refund the {$360.00}, claiming that I owed a previous balance.On the same day, I filed a chargeback request with Chase for the {$360.00} transaction, explaining that it was unauthorized. Chase initially provided a provisional credit, and I spoke with a claims representative to confirm that I never authorized the {$360.00} charge.On XX/XX/XXXX, I received notice that Chase had denied my claim, stating that XXXX provided documentation proving I consented to the {$360.00} charge. However, I have never seen or signed any document confirming my agreement to pay this amount.I believe that the {$360.00} transaction is unauthorized under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, as I did not provide clear consent for this charge. Therefore, I am requesting that Chase reopen or reverse the denial of my claim and restore the disputed amount to my account.
Product: Debt collection

I work every weekday from XXXXXXXX XXXX  to XXXX and i told them to not call me during my work hours. To which they continued to call me when i told them not during my work hours.
Product: Money transfer, virtual currency, or money service

Hello there, My problem is with the Coinbase.com site, that have blocked my account and don't allow me to manage my crypto currencies. I have all my documents and information verified and the amount of money that I have actually is around XXXX , so nothing " suspicious ''. 

I tried to contact with them via XXXX, XXXX and they support platform, but I only receive automatic messages.
Product: Student loan

When registering for automatic payments, the XXXX website states " My authorization to these debit transactions may only be revoked in the manner set forth in the Terms & Conditions below. '' and provides a link to " Review the Terms & Conditions '' ( XXXX XXXX XXXX   ). This link provides a 1 page PDF which states " My authorization to these debit transactions may only be revoked in the matter set forth in the Terms & Conditions below. '' but does not actually provide any information on revoking permissions.
Product: Credit card

Reharding to capital 1 accounts. In XXXX I looked on my account it said cards restricted my cards I called asked them why they would not give me a reason they just said something was observed on one or more of my cards that was inconsistent with my usage which u use the same exact vendors always I'm not understanding what happen. I always pay on the XXXX of the month this month I paid the XXXX I think and they did not take their money intimate and another one of the merchants took the money in which I called and talked to them and I paid my return fee and my payment on all my card in which only 1 was due. And it has not been 2 weeks they already reported to the credit agencies without trying to work anything out with me. I need my cards and I need my score back up I need something to be done. 
I need them to communicate better.
Product: Checking or savings account

I explained why I didnt violate any guidelines and everything and then said that they couldnt open my account
Product: Credit card

In XX/XX/year>, I purchased a XXXX grooming kit on XXXX using PayPal Credit. After only 4-5 weeks of use, I noticed significant defects in the product, including rusting blades and poor performance of the trimmer and shaver. I suspected that the product might be counterfeit and contacted PayPal Credit to dispute the purchase on XX/XX/year>. They informed me that my dispute could not be processed because the dispute window had closed. 

I sent the product to XXXX for evaluation, and they replaced the blades without my consent. They did not provide any confirmation regarding the authenticity of the product. I reached out to PayPal Credit again on XX/XX/year>, but they did not provide any support or guidance on how to proceed. 

Additionally, I had to pay for shipping costs to and from the service center, which added to my financial losses. I believe PayPal Credit has failed to protect my consumer rights and provide adequate support for a defective product. 

Dates : Purchase Date : XX/XX/year> Contacted PayPal Credit : XX/XX/year> Product Sent to XXXX for Evaluation : XX/XX/year> Product Returned from XXXX : XX/XX/year>XXXX XXXX