23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had a total of nine charges, nearly amounting to {$800.00}, which were fraudulent and made using my card in XXXX, CA, and XXXX, DE. Strangely, these charges displayed only a string of numbers ( e.g., XXXX... ) with no merchant names. After disputing these charges with Wells Fargo, they initially closed the claim and promptly issued a refund within a week. However, a few weeks later, Wells Fargo sent me another letter asserting that their investigation was concluded, and they confirmed that I made these charges with my card and PIN, even though I've never been to those locations. When I tried to dispute this, it took over 3 days of being on hold multiple times with no response. Finally I was able to speak with a Wells Fargo rep and they insisted that the charges were made by a company I had used before, and they refused to reconsider their decision, abruptly ending the call and suggesting I file a police report. Frustrated, I contacted the company they claimed was responsible for the charges, but they had no record of any such transactions. I have no way of disputing these charges Attached are the fraudulent transactions from my account and my correspondence with the company XXXX clearly stating that they do not have record of these transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report file for Equifax ( only Equifax, the other two credit bureaus were correct ) was merged with another person. Another person had a similar SSN and so their name, DOB, and address were associated with my SSN. This person is named XXXX XXXX. I have no idea who XXXX XXXX is. 

I had a year long attempt to get Equifax to change my name, address and DOB to match my own. I sent in a photocopy of my drivers license, SS card, and a cover letter explaining my dispute. Equifax continuously failed to change my name, until finally they changed only my middle and last name ( they forgot to change my first name ). they changed my name to XXXX XXXX XXXX, when my name is XXXX XXXX XXXX. They were able to change my address and date of birth. When they sent me the credit report, the report was 22 pages of some elses information ( including personal information such as their address and SSN ). 

ALL OF THE INFORMATION ON MY CREDIT REPORT IS ASSOCIATED WITH THIS OTHER PERSON. Because our files were merged, none of my information is on my own credit report and my first name continues to be incorrect.
Product: Debt collection

I filed an identity theft report wit Federal Trade Commission and sent the report to XXXX and they assured me the collections would be deleted. Not only is it not deleted but now it is on all three credit reports. I want to report XXXX for not doing what they were to do to correct this problem. 

Federal Trade Commission Idenity Report # XXXX
Product: Debt collection

I work for the government and was part of the computer hacking that happened there. I was notified by office of personal management that all my info including fingerprints were hacked. I do not look at my bank accounts often and it only came to my attention when my debit card was declined.Then I realized several payday loans were opened under my name and my bank accounts were emptied I filed fraudulent charges with   XXXX   XXXX   XXXX   approx. 20 times and my debit card was canceled and reissued 4 times including canceled once by the bank when a person claiming to be me called for information. I have done everything that the government instructed me to do including submitting a fraud report to the FTC and the IRS. I also mailed letters to all payday loans that were taken out in my name. Prior to this I had a  XXXX  credit rating this brought it down to about  XXXX  and it is slowly going back ( now  XXXX  ) I do not owe this money and do not feel I should pay this. If my credit report is looked at I have an excellent history of repayment. Only blemishes are during this short period when my info was stolen. I currently have a protection service monitoring my information and have a fraud alert placed on my bank accounts. Someone attempted to file my income taxes electronically. Even my paypal account was hacked into.
Product: Student loan

I attended XXXX XXXX XXXX ( XXXX, MI ) XXXX. In that time I was convinced to take out high interest unsubsidized loans to pay for my education through Sallie Mae. Since then XXXX XXXX XXXX has closed. Navient has canceled the loans of some borrowers that attended XXXX. I was not one of those borrowers. 

My loans serviced by Navient : XXXXXXXX XXXX XXXX Disbursement Date : XX/XX/XXXX Original Principal : {$11000.00} Interest Rate : XXXX XXXX ( variable ) Total Accrued Interest : {$21000.00} Repayment Start Date : XX/XX/XXXX End Date : XX/XX/XXXX ( PAID IN FULL ) XXXX Signature Select Disbursement Date : XX/XX/XXXX Original Principal : {$6000.00} Interest Rate : XXXX XXXX ( variable ) Current Balance : {$10000.00} Total Accrued Interest : {$30000.00} Repayment Start Date : XX/XX/XXXX Loan Status : Repayment XXXX Signature Select Disbursement Date : XX/XX/XXXX Original Principal : {$3600.00} Interest Rate : XXXX XXXX  ( variable ) Current Balance : {$5800.00} Total Accrued Interest : {$17000.00} Repayment Start Date : XX/XX/XXXX Loan Status : Repayment The Navient website does not show the total amount I have paid since the loans were disburse or when Navient became the owner/servicer of the loans. I can estimate that I have paid the original principal of these loans multiple times over.
Product: Bank account or service

Chase Bank will not let me close my XXXX account. My XXXX has been closed over 3 years ago. I have no active XXXX. It was an XXXX registered XXXX. I added my brother to the account when I opened the Chase XXXX account. When I tried to close the account, they said my brother was on it and they could not close it. I had my brother go to a Chase Bank XXXX where he lives and show identification while at the same time I was at a Chase Bank here XXXX, where I showed proper identification. We had a conference call with XXXX parties on the line and Chase Bank still refused to close my account. There has been no activity on my account. They keep deducting {$12.00} monthly from the funds I have left in the account. I want to close my account. Please help. I do not know what to do next.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently filed a complaint with Equifax on XX/XX/2021 about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who game Equifax permission to report anything on me? I need answers now! Im XXXX furious!!
Product: Checking or savings account

I am filing a complaint with the CFPB as a result of capital ones failure to deposit my direct deposit check from my employer as well as any other incoming deposits. Citing Technical issues, I have not been able to access my funds, and I believe that Capital one is in violation of the Electronic Funds Transfer Act, EFTA for this matter. Capital one has not been able to provide an accurate update, resolution or timeline on when these technical issues will be resolved and when funds will be issued. This issue has raised widespread concern about the protection of the consumer. Please assist in investigating the matter at hand and ensure my rights are upheld.
Product: Debt collection

I started disputing the Portfolio Recovery account listed on my credit report in the amount of {$2300.00} since XX/XX/2021. I have sent numerous correspondence asking for the ORIGINAL signed document which states I owe them and that I agreed to pay them. Each time Portfolio responded by sending a computer generated unsigned letter that states they own the account and a bill statement. I also sent them a letter stating that they violated GLBA Sec 6802 ( a ) ( b ) ( c ) ( d ) and Sec 6803 they responded back by sending another bill statement. I have attached a copy of the last letter I mailed to Portfolio Recovery.
Product: Credit card

yes on my moms credit card account i set up a payment arrangment with XXXX.the director at capital one bank.still waiting on my bill.payment plan was set up 2 months ago.have not gotton a bill for XXXX a month payment plan??? not very happy???? tryong my best??? also they riuned my moms credit?????? trying too work with them/hard too work with?????? my moms XXXX years old has XXXX and is XXXX?? this how they treat the elderly?????? disgusting???? plus the keep charging late fees????? called XXXX back few times no reply?????
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX ( XXXX ) XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Equifax Information Services, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial wellbeing. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  RE - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
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 under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I am complaining about a company who has victimized me and made false statements to the Credit bureau that I have 30,60,90,120 days late on payments when I have not been late but once last year due to a medical hardship which was only one month which I made an additional payment of. The company, XXXX XXXX XXXX, has abused my civil rights by constantly causing a drop in my credit score which I have worked very hard on for the past 7 months so I can buy a home.
In XX/XX/XXXX I took a loan of {$1300.00} from them and continued making {$59.00} payments and they continue changing their policies and now say I owe them {$1000.00}. This has been going on for 2 years of payments and abuse from them. I am contacting the Attorney General in my state as well as a Senior Legal Firm next week.
On XX/XX/XXXX I called them to make a payment and was told my account was in collections because I did not pay XXXX and XXXX payments on the XXXX of the month. My payments were made on the XXXX of the month from XXXX arrangements with XXXX, but was refused the payments as legit and told early payments do not count. This is the kind of games they have played since the beginning of the online contract.
Every time I call them, a foreigner with a XXXX accent tells me a new thing about the account and keeps me so confused I do n't know what they are doing other than victimizing me and scamming me for more money, and as far as I know they are not a payday loan company and do not advertise as one. I need help to solve this outrageous scam.
Product: Vehicle loan or lease

I have received 13 calls today from the following phone numbers stating that they represent Nissan Motor Acceptance Company Infiniti and are collecting on a lease turn in debt from XXXX. I called the number back and was told I have a bill for excess mileage, wear and tear, and taxes- its now XXXX. I have since leased 4 cars from Infiniti and have never had an issue with the leasing. This debt collector demanded my social security number multiple times and advised me that if I don't start paying {$200.00} a month that would " come for me '' and ruin my credit report. The rep name was XXXX, and I advised him to stop calling me you are not harassing me and not call me again. He stated he is not harassing me. The numbers XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I received an auto loan from the bank at the car dealer in XX/XX/year> for 8.99 %. After they sent a summary of the loan, 1 year later, we realized that the monthly fees were charged at 18 %. We are short of {$2000.00}. The bank was informed of this on the phone but i was not able to file a complaint with them as I was told the best would be to provide a feedback. 
Well, providing feedback won't fix this fraudulent case.
Product: Debt collection

I received a collections letter for a 6 year old medical debt. Besides being right at the statue of limitations for collections in Ohio the bill is a billing error on behalf XXXX XXXX provider XXXX XXXX XXXX. I have confirmed with my insurance carrier, XXXX XXXX, the the physician never billed my insurance. Upon calling XXXX hospital   billing to rectify this, I was informed that ER doctors perform their own billing. I am not responsible for this billing error. The physician can not provide any statements proving they billed my insurer and therefore are attempting to collect from me to cover their error. I was also advised in writing, by the collection agency, that consumer reporting agencies have been notified of this collection and ruining my good credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern regarding the inaccuracies on my credit report, which I have disputed multiple times without resolution. Despite my repeated efforts to bring these erroneous accounts to your attention, they continue to remain uncorrected, causing significant harm to my credit profile.

These inaccuracies are not only negatively impacting my creditworthiness but are also hindering my ability to maintain a normal financial life. As a result, I have experienced immense hardships, including [ briefly mention how this has affected you, if applicable, e.g., being denied loans, housing difficulties, etc. ].

I respectfully request that you conduct a thorough investigation into the reporting of each of these disputed accounts and take the necessary corrective actions without further delay. It is imperative that my credit report is updated to reflect accurate information to restore the integrity of my financial standing.

Your prompt cooperation in resolving this issue is crucial, and I sincerely appreciate your immediate attention to this matter. Please acknowledge receipt of this letter and confirm that steps are being taken to investigate and resolve the disputed accounts.

Thank you in advance for your understanding and support.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested that Transunion investigate the XXXX XXXX XXXX account ( account numberXXXX ) that is reporting on my credit report. According to the results I received from Transunion and my Transunion credit report the account was last updated XX/XX/XXXX. This means that Transunion has never conducted an investigation when I disputed the account. On XX/XX/XXXX I sent another letter to Transunion about them not investigating this account when I requested and demanded them to delete it for failure to complete an investigation according to the FCRA guidelines, they still didn't delete the account or investigate. This a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the right to a fair credit report that is 100 % accurate and the information being report must be correct. 
In accordance with the Fair Credit Reporting act XXXX the following company has violated my rights. 

Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX FCRA Section 611 ( 15 U.S.C. 1681I ) states inaccurate and non-validated information MUST be deleted from the consumers file in accordance with paragraph ( 5 ) ( A ). 

I come to CFPD as a last resort for help addressing this on going grossly negligent matter. I wrote to the original creditor and all 3 bureaus disputing the accuracy of the improper accounts mentioned above, that is negatively affecting my credit accounts. The accounts are being reported in error. XXXX XXXX XXXX made an mistake in reporting the account. 

The company and all 3 bureaus named in my complaint claim an investigation verified the debt. Which only matched my name with the accounts above. My dispute is simple. i accept that i was late with my payments and became delinquent due to financial hardship from the effects of XXXX aftermath. However XXXX XXXX XXXX emailed me and stated that should i make a payment they would not charge off my account. I made that payment for more than the asking minimum. Then later paid the accounts off in full. I was under the impression the payment would stop my accounts from being charged off. I only discovered the charge-off when i was denied a personal loan. The credit bureaus had the accounts i paid reported as charge off unpaid. After my 3rd dispute the bureaus adjusted the reporting to paid charge off. My complaint is the original creditor misrepresented the facts to the bureaus and continue to provide a false statement. Which the bureaus continue to report inaccurate information. 

The response i received to my complaints from the reporting agencies was to only update the account as " disputed ''. Instead of deleting the inaccurate information. Not once did anyone provide me with anything that proves their claim. To my understanding creditors must provide proof of claim. Nothing provided to me shows the full payments i PAID were not received ( such as a returned check etc ) and therefore the companies would have proved they were not paid and i indeed owe the debt being reported. 

I have included evidence to support my claim. I also included an email that was repeatedly sent to me in error for a person named XXXX XXXX XXXX, an attempt to collect a debt she owed. In spite of me informing the collection company they are sending her collection emails to my personal email account and to correct their records. However they continued to harass me sending multiple emails for the wrong person. I understand errors happen and mistakes can be made, but when errors defamate my credit worthiness, i demand they promptly be corrected. I will continue to dispute this improper reporting until it is deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the accounts was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX Balance Owed : {$4100.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Vehicle loan or lease

I brought the car in XXXX XXXX, 2013 and i kept it for 3 days i took it back to the dealership and told them it was a lemon and they still paid the first payment to receive the check for the car and get me tied in for the loan
Product: Debt collection

I signed as guarantor for an apartment for a year starting in XX/XX/XXXX to XX/XX/XXXX. 
I ensured all rent was paid through the agreement I signed. 

The renter extended the rental beyond the time I guaranteed. The property advised me there was nothing needed from me to end my commitment once the time expired. 

the debt collector has made every possible effort to collect from me not wanting to accept the signed notarized agreement with begin and end dates as valid.
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 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 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 or other personal consumer reports

I looked on my credit report and see that my wife 's credit card with XXXX is negatively reporting on my credit reports, showing collections and 7 x 90 days late payments. I was an authorized user at one point. 

I called XXXX to ask them to remove it, I also provided them with my social security number and they can not find any account associated with my SSI number. 

They looked up my wife 's account, they do not show me associated with her account. After speaking with a supervisor they told me my only option was to go to CFPB to have it removed as they do not have the power to remove it from my credit report.