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

XXXX dispute My XXXX XXXX at XXXX XXXX was on the side of the road in a flood. The road side assistance left me stranded until XXXX XXXX on a dark road. They never picked up my car until XXXX XXXX in the morning but it was too late the police towed it. I had to pay that tow and another tow to the XXXX XXXX. I take care of my mom because she has XXXX so my money is limited right now. They took 2 months after several calls and emails to give me back my money they even sent the wrong amount only {$300.00} they took forever to correct it and put the late charge of my XXXX  that month on my credit. I was not sure if the car would be fixed or a total loss as well they shouldnt have done that the XXXX rep told me that they would not harm my credit or o would not have to pay if the car was a total loss as well.. Now XXXX I was in XXXX 2 months due to my mother catching XXXX. The phone system I called when I was in XXXX to make the payment it did not put my payment through. I have had this car 3 years and never been late 2 months. I did not realize the payment did not go through. I have a new job With the irs and can pay the bill Im employed that is not the issue. They got my dispute for XX/XX/XXXX late just now because it was lost two times because they said they never received it. So I sent it priority mail. they took long to resolve the XXXX issue and now they are saying due to me being late now in XXXX they are not taking the other late report in XXXX. Using the other situation to try to justify their incorrect reporting. Yes someone can be a slow payer but Im never over 30 days. Its because I take care of my household and my mothers home its over whelming all the medical cost and all the bills. The phone system before I called one day before the final day to be paid before a fee would be charged and it would not go through! I called 5 times it is extremely long the automated service process when they are closed. I feel they do this to charge you extra fees. Its too ironic. The lease agreement for roadside assistance says the tow is included I want to report the hassle for the reimbursement and the late report incorrect report to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX A NATURAL-BORN PERSON. " In light of recent investigations brought upon Equifax, I find that my consumer file is being irresponsibly tampered with. Over the past 3 months, I have made several attempts to remind EQUIFAX and XXXX of their duty pursuant to 15 USC 1681. It appears that Equifax is intentionally and willfully neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, and promised accuracy in my report based on federal law. I am making this complaint as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A5 ) says that after the reinvestigation ... .... all of the unverified information must promptly be removed. They can see in their system that this account was previously disputed without being verified. Equifax AND XXXX have violated my right to privacy I NEVER GAVE THEM Permissible purpose to Furnish any information on my behalf. under 15 USC 1681 ( a3 ) .They assumed this role without permission. They did not have my consent. They do not respect my right to privacy which is under 15 USC 1681 ( a4 ). The accounts being disputed are XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Accounts disputed with XXXX are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Several years ago I paid a fee to place a credit freeze on my account with all XXXX bureaus in order to protect against ID theft. I do n't believe I received a PIN from any - I 'm very good about recording these. I am trying to refinance my house. XXXX and XXXX provide the ability to immediately reset a PIN on-line or by phone. Neither charges a fee. Equifax provides no on-line PIN recovery ability and provides no way to contact them by phone. The only recourse is to mail a request with a check for {$10.00} to get a new PIN, which I did on XXXX/XXXX/16. It took them until XXXX/XXXX/16 to process and cash my check, which I verified through my bank. It is now XXXX/XXXX/16 and I still have not received a new PIN. According to the re-finance company trying to pull my credit, because I am frozen on Equifax, it blocks access to reporting from the other bureaus. Due to this indifference and/or incompetence by Equifax, my wife and I are now blocked from any activity that requires a credit search. I need Equifax to respond immediately and they should be required by CFPB to provide an on-line means for immediate unfreezing and phone support. Thank you for your assistance. 

PS - I sent my request to Equifax Security Freez, XXXX XXXX XXXX, XXXX GA XXXX
Product: Money transfer, virtual currency, or money service

I send a wire transfer to XXXX XXXX XXXX on XXXX XXXX for amount of US {$100000.00}. but XXXX hours latter on the same day I canceled/recall the wire transfer after one week I ask the bank ( Chase Bank XXXX XXXX my recall they give me the case number about the recall, Case Number : XXXX XXXX almost every one or two weeks I ask my bank about the recall, until today XXXX I still don't get my money back to my account. 
Please advice
Product: Credit card or prepaid card

On XX/XX/2021 Capital One rejected my application for an extension of credit, which I extended to them via my open end credit plan ( Social Security Card ) this is a clear violation of my rights as the original creditor pursuant to 12 US C 1431, I responded to the denial and Capital One responded in the same fashion, with a letter that did not address the matter at hand. I then sent the another letter detailing the violations of federal laws that they ( Capital One ) has committed against me and they outright refused to address the issue pursuant to Federal Law. Their responses fail to address 15 US C 1681m violating me the original creditor pursuant to 15 US C 1602g. The evidence will be attached, which are my attempts to rectify this situation amicably.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with XXXX, XXXX  and equifax on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Debt collection

For the last 3.5 years i have continuously had to monitor my credit as Wakefield & Associates, Inc keep putting totals on my reports that are not mine. I have asked many time for evidence, proof these are my debts and everytime the debts magically disappear then reappear under another collection agency. It is a game where they keep throwing it on my report and never provide. This is not my debt, i would like it removed permanently from all 3 agencies. I have never been to the medical place they list. I have even called that company and they always say they have nothing to send me but a bill which does not help. Please help me take care of this once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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: Debt collection

Navient has consistently called my personal phone non-stop every single day of the year so far. But it doesnt stop there : Navient has called various phone numbers connected to my place of employment, my parents and other distant relvatives that Im not in close communication with. Ive asked Navient via phone and email to stop calling so much but more importantly not to call any other person but me.
Product: Credit card

My name is XXXX XXXX and i am reporting the capital one credit card for reporting both of my credit cardfor late payments caused by them. it was a very nasty brutal battle to fight with them to remove their late fees on my cards and to move late payments information to the credit bureaus. that happened back on XXXX - XXXX XXXX. XXXX capital one 's employees are horribles, i have requested to have both of my credit cards payments dates to be the same dates. back on XXXX 2016 it was supposed to be on the XXXX of each month. the rep i have spoken with promise that it will request it to be on that date. after that when i did not make the payment on the XXXX for XXXX of my credit card the following month they automatically charge me late fees for XXXX then i called to dispute that and another rep. told me he will not remove the late fees because it was not a bank error. that is how all the problems started. it tooked me 3 months to fight that till back on XXXX 2016 i had another rep who decided to fix the problems for both of my credit cards so i can make my payments. i have never been late since i have my cards. capital one representatives are very rude, they even hang up on me several times. I have this rep removed all the late fees for those months after that fights. But they still did not remove the incorrect information reported to the credit bureaus. That started another 6 months of battle with this disgusted credit cards company. One supervisor XXXX hangup on me when i told him a rep name XXXX says she will removed the incorrect information given to the credit report. she put me on hold and come back and says i can not do it. i asked her what you means you can contact the credit bureaus and removed when you say you can do it, She respond to me that she will transfer to XXXX the supervisor who wasted my time for 2 hours and hang up on me. I am reporting the disgusting ways the employees of this company destroyed they customers credit by reporting wrong informations while saying something else to the customers
Product: Credit card or prepaid card

Ive applied and got the American Express Delta Airline Gold card with the 70,000 miles sign on bonus included. After I pass the spending requirement, Amex didnt give me the bonus. I called customer support many times and they were extremely not helpful and said things that are unrelated to me such as ( you had this card beforewhich is not true since its my first Amex Delta card! ) Im XXXX off!!
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency
may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manne
r will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Mortgage

This is a complaint about Quicken Loans. The Loan company collected all the information from my application, performed a credit pull to check my credit score. I was applying to get a mortgage loan from them for a property I want to purchase for {$820000.00}. They knew I had a competing offer from XXXX  XXXX XXXX and mentioned that they could offer a more lucrative deal to me. Upon completion of all my details, they called me up and offered a slightly better deal than XXXX  XXXX XXXX. But when I asked them to send me the details they had mentioned on the phone, the agent refused. I then told them that they had pulled my credit report and are obliged to respond to my request. They initially refused to send me any offer. Then their manager called and sent me an irrelevant offer where I had to pay {$20000.00} for credits that we had never discussed before. By trying to keep the offer details to themselves, they tried to prevent me from shopping around and also comparing their offer to the one from XXXX  XXXX XXXX and engaged in shady business practices
Product: Debt collection

I GET REPEATED PHONE CALLS TO MY WORK EVERY DAY OF THE WEEK. I'VE SPOKEN ONCE TO SOMEONE TOLD THEM TO CALL MY PERSONAL PHONE AND NOT WORK. NO MESSAGE IS LEFT.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Since XXXX, I have lived at XXXX XXXX XXXX XXXX. in XXXX, Louisiana. In XXXX, I used Rocket Mortgage to refinance that residence. I had my monthly payments on autopay and had no issues. Bills were paid on time. In XX/XX/XXXX, XXXX XXXX destroyed that residence. I used Rocket mortgage to borrow money for an apartment in XX/XX/XXXX. When i asked to set up the monthly mortgage payment on autopay, Rocket Mortgage said that I could not pay the first month ' s note on autopay, but would have to wait till I received the the bill then pay with a check. Since I was changing addresses and recovering from the loss of my home, i am not sure when or where that bill was sent to me. Once notified, I paid the bill then enrolled in autopay through my bank. The bill has been paid regularly since. This resulted in a ding to my credit score which I feel is not fair. Had I been allowed to enroll in autopay initially, this would have never happened. Now my credit score is low as a result. I am told by Rocket mortgage that nothing can be done to rectify this except waiting many months or years for my credit rating to slowly correct itself. I am seeking assistance on this matter. The only other dings on my credit history happened several years ago when I went through a divorce and my ex wife had credit card charges that went unpaid for some time. 
I can be reached at XXXX XXXX XXXX if any further questions arise. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX client XXXX XXXX is a victim of identity theft. His information was used without this consent to apply for several credit cards. While no accounts were established the fraudulent applications left inquiries on his credit report that have a negative impact of his credit information. The applications were submitted to XXXX XXXX  XX/XX/XXXX, XXXX credit card XX/XX/XXXX, Kohl's/Cap One XX/XX/XXXX. Official disputes were mailed certified mail with return receipt to each office on the same date XX/XX/XXXX, as of this date none of these offices have replied to my client to the status of these disputes. This is a violation of the FCRA and my clients federal consumer rights.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I am filing a complaint against Western Union regarding an unresolved transaction issue. On XX/XX/scrub>/2025, I made a payment of {$490.00} to XXXX XXXX  through Western Union ( XXXX : XXXX ). However, XXXX XXXX  never received the funds and reversed the payment. 

I contacted Western Union multiple times and was initially told the issue would be resolved within 48-72 hours. It has now been 12 days, and the issue remains unresolved. Despite my repeated requests for a refund, Western Union refuses to return my money. My case number is XXXX. 

Each time I call Western Union, they provide no helpful informationonly a reference number. When I gave this number to XXXX XXXX, they confirmed they have no record of the transaction. This lack of resolution and transparency is unacceptable. 

I request an immediate refund of my {$490.00} and a full explanation of the delay. I appreciate your assistance in investigating this matter. Please contact me at [ Your Contact Information ] for further details.
Product: Checking or savings account

I submitted a dispute to Key Bank on a transaction with XXXX XXXX on approximately XX/XX/XXXX After filing the complaint I had a XXXX conversations with Key Bank, the XXXX to make sure nothing else was needed, the second to be told if the merchant doesnt respond by XX/XX/XXXX the temporary credit becomes permanent, the third that I needed to fill out a questionnaire which I did over the phone and the last that my credit was reversed 1st because I didnt fill out the questionnaire and then after that dispute was dismissed I was told I didnt file the claim within the allotted time frame. 

Key Bank accepted my claim in XXXX, gave me a claim number and proceeded with processing the claim and not once from the date of filing to the date of declining did they mention this. 

It takes an act of XXXX to get to the executive affairs department. They refuse to give out a number, the disputes department states they can not transfer me there and customer support in most cases puts me on hold for so long trying to figure it out he call becomes disconnected. I spoke to a guy in the executive affairs department by the name of XXXX who said he would listen to the recorded phone calls I had with the dispute department snd if they said it would be permanent by XXXX like I was told the credit would then be given back to me. I invested 2 hours of phone time on XXXX only to be hung up on because they could not wait for XXXX to become available any longer. The phone number I was given to call back is the disputes department that claims they can not transfer me to the executive affairs department.
Product: Debt collection

I spoke with the hospital billing department concerning this 4 year old bill. 
They informed me that the bill was paid. They had problems with the insurance company as hospitals do in collecting payments from the insurance company. So merchants credit is willfully and wrongly reporting incorrect and damaging information to my credit report. Please take the necessary steps and fine merchants credit and compensate me for damages done to my credit report.
Product: Mortgage

On XXXX XX/XX/XXXX, I sent a letter to US Bank inquiring about the processes for 100 % XXXX Veterans and their Mortgages. 

I was told once US Bank verified the 100 % XXXX Veteran status with the XXXX XXXX XXXX 's office they'd conduct an Escrow Analysis. I sent them the Certificate as well from XXXX XXXX XXXX XXXX XXXX. 

US Bank received my Tax bill for XXXX in XXXX and conducted an Escrow Analysis. But my XX/XX/XXXX was still {$1000.00}. XXXX 's payment was reduced to {$790.00}. However, XXXX 's payment is {$960.00}. Upon conducting the Escrow Analysis, US Bank sent me a check for the Escrow overage. 

Upon contacting US Bank on XXXX XXXX XXXX, 30 minutes on the phone still did not yield me any answers as to why my mortgage payment keeps changing. 

I was told I'd receive a phone call within 48 hours. To date, no one from US Bank has contacted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was reported that i was XXXX days late on a payment that was suppose to been automatically deducted. When i check the payment history it shows for the month of XXXX XXXX  i made my payment. But its still being reported that its late. The dispute process is nerve wrecking due to the facts that it doesnt provide a reason on the decision.
Product: Student loan

I have been paying towards my student loans for over 10 years now and I owe just as much if not more than I did when I started making payments over 10 years ago. I am a XXXX working in the XXXX in the state of CT and we are also the lowest paid XXXX in the state of CT. I have contacted NAVIENT on numerous occasions regarding the fact that my balance is not decreasing and the only response I got from them was to make larger payments. How and I supposed to do that when I am barely making ends meat as it is. I have also requested information regarding loan forgiveness since I am XXXX in a poor district and I have been XXXX for over 11 years and I was told that I do not qualify. Over the past 10 years since I have paid XXXX per month I should have seen a decease in my outstanding balance and I have not. I am to the point now where I am seeking legal action against them and I am hoping that you can help me. At the rate things are going I will be paying off my student loans until the day I die which does not make any sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending disputes for 3-4 years trying to remove incorrect information. Each time I get verified as accurate. Thats all. No real look or investigation. I can not buy a home until this is fixed.
Product: Debt collection

I am XXXX  that the creditors have included incorrect information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus should report only 100 % accurate credit information.