23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I was told to purchase {$200.00} worth of  XXXX  cards and to read the scratch off numbers on the back of them off to them and I would get a loan of  XXXX  dollars refunding me the money for the cards they said they just wanted to get me familiar with the cost of paying the loan back so I did it and then they wanted me to buy {$400.00} worth of  XXXX  cards after that to proceed the final process and being my first time ever doing a loan I did n't know how it worked and not until they asked for the {$400.00} worth of cards did o realize it was a scam and I asked for a refund for my {$200.00} and they laughed and said noo and they sent mee texts and everything saying my loan was approved and it said the name of the company was lending tree and all of this happened on  XXXX     2017  and o was wondering if there was anyway I can get my money back as they left various numbers from which I called them from and they said they were in  XXXX  with  XXXX  and  XXXX  being the primary numbers they used with the managers name being  XXXX  and the other number the mans name was  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

Why Im still receiving emails for the bureaus saying Im helping to third party company which is not true. I'm the one who send out letters. Please make an action now or I will sue you. heres the list of negative accounts and inquiries I want to dispute. 

Equifax : 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 XXXXXX/XX/XXXX
Product: Credit card

I have been dealing with Wells Fargo for months now over {$9000.00} worth of fraudulent charges that took place in XXXX. Last month I filed a CFPB complaint case number XXXX. Wells Fargo has finally credited the amount of the charges back to my account on XX/XX/XXXX. I received 3 letters from them dated XX/XX/XXXX regarding the CFPB case and 2 other complaints about the same fraudulent charges, stating that Wells Fargo had accepted the charges as fraud. Two of the letters, including the one that was CC 'd to the CFPB, state that Wells Fargo had credited the amount, as well as {$480.00} in accrued interest to my account. The third letter stated that the transaction was resolved in the same billing cycle so did not accrue interest. I am attaching these 3 letters. I repeatedly left messages with XXXX XXXX, the Escalation Representative on the case, asking about the interest charges that had not been credited back to my account, these calls were never returned. Today ( XX/XX/XXXX ), the amount of {$340.00} has been credited to my account. 

Wells Fargo has lied to the CFPB in the letter that was CC 'd regarding my case. Wells Fargo still owes me {$140.00} in interest charges. 

Wells Fargo has also refused to provide me an explanation regarding the investigation of my fraud case. On XX/XX/XXXX I called the fraud claims department to check the status of my fraud claim reconsideration, and was told that it had been denied. I was told that the credit card used for the purchases had been activated the same day as the first purchase ( XX/XX/XXXX ) using my phone number on file ( XXXX ). After getting off of the phone with the operator, I checked the call history on my phone and later on my phone bill to confirm that I had in fact not called any number to activate a credit card. I called the fraud claims department again the same day and told them that I had proof that my phone had not called any Wells Fargo activation number and that I wanted my case reopened for reconsideration. I called a third time that day to try to get more information regarding the duplicate credit card that they had sent out and found out that Wells Fargo had sent a duplicate card to an address in XXXX, California, XXXX miles from my home, and when I asked about the activation of the call, the representative looked up the record and found that there was NO phone number listed on the record of the activation. 

One of Wells Fargo 's fraud investigators lied in claiming that my phone number was used to activate the credit card. They lied in order to hold me liable for {$9000.00} in fraudulent charges that took place because of Wells Fargo 's lax security policies. They shipped a duplicate credit card to a place that I have never been to, XXXX miles away from me. The fact that it was a duplicate card made it incredibly difficult to even understand what had happened, and their fraud investigation team is either too incompetent or too corrupt to figure this out.
Product: Credit reporting or other personal consumer reports

I have been trying to obtain a bank account for many years now and I kept wondering why I would get denied by all banks. Until I went to US Bank and they provided a adverse action letter that let me know they were receiving information from Chexsystems. There are two things wrong with this situation and the CFPB really needs to investigate chexsystems for these two mistakes. The first mistake is that I have a freeze on any reporting from chexsystems to be reported about my entity to any financial institution but apparently Chexsystems is still reporting information to bank as I continue to be denied accounts. Secondly Chexsystems is located in Minnesota in which I have my entitiy registered with the Sec of State of Minnesota as a ficticous business so chexsystems should know that this name is Registered to an owner and is not a real live person but is owned by one. This is a clear case of disregard to the rules by chexsystems to provide my report to US Bank although I have a freeze on my report and for not acknowledging that the name XXXX XXXX XXXX XXXX is registered as a ficticious business name in the state of Minnesota. This is a clear disregard of the FCRA and my private unalienable rights and a violation of my fifth amendment rights to be secure in my private property and paper. Chexsystem obvisiously believes they are above the law and codes of the United States and can do whatever they like.
Product: Student loan

Please consider to remove my loans I humbly requesting for your help since 2007 while receiving my XXXX in XXXX XXXX XXXX my teacher retirement was pursued after my recommendation and diplomacy certificate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my credit report shows that I have hard inquiries for credit cards that I did not apply for. 


The following are the cards I DID NOT apply for : 1. XXXX XXXX  - XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. Hsbc Bank Usa Na- XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX It is affecting my credit score and causing me issues to apply for other credit cards.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. Experian, XXXX, & XXXX assumed this role without permission not only that they did not have my consent. They did not respect my right to privacy which is under 15 USC 1681 a number 4. They did not exercise their grave responsibility, & is unfair, & partial. Experian never had a permissible purpose Under 1681 b number 2. I never instructed Experian to furnish this report and I never consented to this report in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am still having a problem getting my annual and free consumer report from Chex Systems , Inc., I want Chex Systems to immediately mail me a complete copy of my Chex Systems Consumer Report. My Chex Systems Consumer Report ID is : XXXX
Product: Debt collection

I got a missed call from Atlantic Recovery Solutions LLC at XXXX on XXXX XX/XX/XXXX. I called them back at XXXX same day to see what they were calling about. It was a debt collection agency calling about my cousin. I told them I am his cousin and not the person they are seeking. They asked to send their contact info to my cousin and I told them I have no contact with him. They requested to send my contact info to my parents who would I said no out of respect for his privacy. They then said " well then you're gon na keep getting calls '' and basically hung up after that. I attempted to call back to tell them I am on the National Do Not Call Registry and that you would be violating my rights if they did that and they refused to listen, repeated what I had to do to not get calls and hung up on me.
Product: Credit reporting or other personal consumer reports

XX/XX/year> five attempts And about a month prior I tried for a week every day. 
I am trying to access my Experian information. I ask for help, the IVR does not allow me to speak to an agent, it insists on sending me a text, the text never arrives. I have gone around and around in circles and I can not get the issue resolved.
Product: Mortgage

When the application was initially taken on XX/XX/XXXX the interest rate was 4.25 with no points but an origination fee of {$4100.00} based on a credit score of XXXX. On XX/XX/XXXX XXXX XXXX called to say that the interest rate went up to 5.375 due to the credit score going down. The final credit score on the closing documents is the same XXXX. At that time ( XX/XX/XXXX ) we asked XXXX if we could use another lender and he said no you can't do that. When we asked about the {$4100.00} origination fee XXXX said this loan was under water. I didn't know what that meant. With our settlement date less than 1 week away ( XX/XX/XXXX ) we thought there were no other options as we really wanted this home we completed the closing. In addition once we were made aware of the rate 5.375 with {$4100.00} origination fee we searched other lenders interest rates/fees and were told 2.625.
Product: Debt collection

Someone used my information to apply for credit card. I didnt receive any information about that credit. Then they used that credit to shopping something in XXXX while i am living in XXXX. I am trying to disputing but it doesnt work!
Product: Student loan

Have sent forbearance a ton of times and they keep saying they never got it or it was missing one thing or another. Since it was a spousal loan they need my ex husbands too. This last time they have been made aware that I am in school and I sent over my husband deferral form 4 times and as of today they still do not acknowledge it and refuse to help. I do not currently have funds to pay the cosolidation loan and ex husband doesnt work or wont pay it. I am sick of being ignored and them refusing to help in any way
Product: Credit reporting or other personal consumer reports

these hard inquiries are fraudulent and doesnt belong to me and need to be removed please. Also the bext as well please thanksXXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 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

On the afternoon of XX/XX/2023, I tried to transfer money from my checking account with US Bank to another bank using US Bank 's online banking system. After entering the correct information and submitting the request for the transfer, the system displayed an error message and provided an XXXX number ( i.e., XXXX ) for me to call. 

After calling the XXXX number, a representative of the US Bank tried to help me. She asked me to share the screen with her and asked me to submit another transfer request as she looked on. After getting the same error message, the US Bank rep put me on hold to investigate the situation. 

As I was waiting, I realized that I was logged out of my online session and when I tried to log back in, I got the message that my online ID had been disabled. When the US Bank rep returned, I told her about the disabling of my online ID, and she said that the reason for that was that I had tried too many times to transfer money and as a result, my account was now locked. She further told me that I would not have access to my account for XXXX hours. 

I became upset with this situation as I wanted to transfer the money to the other bank that offered higher interest rate. Now I am not able to transfer money for a few days because after waiting XXXX hours for my account to become unlocked then there will be a weekend and I won't be able to transfer money until at least Monday XX/XX/2023 and earn additional interest during those days because US Bank employs rude and incompetent representatives who provide incorrect instructions to their customers and when customers accounts get locked they blame it on the customer and they become confrontational. 

I believe limiting my access to my funds and my ability to transfer MY MONEY out of this incompetent bank for at least a few days is causing hardship for me and my ability to earn additional interest on my money. 

I should have access to my money at any moment and US Bank has taken that ability away by not allowing my to access their online banking to transfer money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax for over a year now trying to get my bankruptcy discharge reported accurately on my report. I have sent in multiple copies of my discharge papers and identification. Equifax has repeatedly updated errors and created new ones. The latest errors created were for the following creditors : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Bank XXXX of Missouri XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX various supposed disputes investigated by Equifax they have created errors on each of these accounts and are now reporting information that is completely fraudulent. All of these accounts were included and XXXX in my Chapter XXXX bankruptcy. I have provided the schedules ( which totaled over XXXX pages ) and the discharge papers as proof. Equifax will update the information as XXXX and then revert back to reporting erroneous information on each account every few weeks. I have asked for a thorough investigation and to cease reporting the fraudulent activity. I have contacted the creditors who confirm having received bankruptcy discharge status. To date Equifax has provided no investigation and have not updated anything accurately. I am only asking for my credit report to report accurate information, which is that the above referenced accounts were XXXX. They even went so far as to create an additional account under the creditor XXXX XXXX. To which I again asked why and to provide details so that I may sue the creditor. Equifax has not provided anything and when I contact that particular creditor I have been hung up on several times. This is beyond infuriating and the next step is a lawsuit with damages included. THESE ERRORS HAVE CAUSED ME TO BE DENIED HOUSING AND EMPLOYMENT for over a year. I have attached the discharge papers here as well so that you can see these accounts were XXXX. As an aside please note the XXXX XXXX XXXX XXXX is listed under several different agencies at this point, all of which were XXXX. XXXX XXXX XXXX XXXX was the original creditor and the original account was 15 years ago and NOT raged at all. But Equifax has placed an entirely erroneous information under the creditor name.
Product: Debt collection

Enhanced Recovery Corp entered a fraudulent entry on credit report which had been previously removed as a result of ID theft in 2014. This fraudulent amount is allegedly for XXXX XXXX XXXX, which I have never had ( I use XXXX ). When I called their XXXX phone number, they said there was no account with my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car loan through XXXX. They ran my credit for the same companies several times and now I have so many inquiries on my credit report. There was no reason they should have kept running it through the same company. I called and talked to XXXX about it and they said we were trying to get you qualified. So it doesn't help now because of so many inquiries. Please get these removed
Product: Debt collection

Have not responded to two debt validation letters I sent via certified mail in regards to providing proof of my original wet ink signature contract and not a photocopy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a medical bill recently go to collections. I agreed to pay the debt on my next pay day and I just found out that they are flagging my credit report weekly and harassing me which is illegal. The company is called Professional Finance in XXXX, CO and I have a screen shot from my credit report showing the weekly flagging.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to correct my personal information on file with the company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. Please update my name to : XXXX XXXX. My only social security number is : XXXX. My only and correct date of birth is : XX/XX/XXXX. I do not wish to have any telephone numbers on my report. Below are the negative accounts impacting my credit : XXXX  XXXX {$0.00} XX/XX/XXXX XXXX & XXXX XXXX {$120.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document 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 in the months that I was late to be removed.

They are not in compliance with the following law.

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments.

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

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit card

These accounts constitute a clear violation of the contract and are fraudulent. The bank did not provide me with critical information about this fraudulent account, which directly infringes upon my consumer rights. Consequently, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to address this matter directly, as the bank 's actions have caused substantial harm to my financial situation. The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt from a utility company showed up on my report. After XXXX  the company it appears to be a utility company down south. I live in Massachusetts and have been at my current address in Massachusetts for 4 years. I have never lived down south and get state assistance in Massachusetts. I disputed this information and they told me its accurate and it stayed on my report. I have never had any utility services with XXXX XXXX XXXX  ( XXXX XXXX XXXX  ). XXXX has removed the information from my report but equifax and XXXX  have not.
Product: Student loan

In XXXX i contacted Citizens bank to refinance my student loans i had with them. They instructed me to wait to hear back from them. I was simply refinancing through the same exact bank. After many phone calls back and forth asking what is going on and never hearing back. They finally refinanced my student loans. I just applied for a mortgage and found out that they reported a 30 day late on all 3 of my loans that have been consolidated. This is not my fault and this is GREATLY damaging my credit by 100+ points.
Product: Debt collection

I received correspondences from Portfolio Recovery Associates , LLC. One dated XX/XX/year> for {$400.00} ( Account Number XXXX ) and the other dated XX/XX/year> for {$940.00} ( Account Number XXXX ) On XX/XX/year>, I sent a letter requesting that Porfolio Recovery Associates, LLC ( hereinafter " PRA '' ) validate the debt that they are attempting to collect in multiple correspondence sent to me via mail. I requested information regarding the alleged debt, how it was obtained, proof of ownership as well as how it was obtained. 

On XX/XX/year>, I submitted a complaint with the Better Business Bureau ( " hereinafter BBB '' ) stating that PRA did not provide the requested information as required by consumer laws and therefore the collections should be completely deleted from my report. 

PRA responded through BBB and said they would investigate and follow up. 
I then received a letter from PRA dated XX/XX/year> asking for account information regarding the debt. 

I then sent a notices to BBB and stated that PRA 's failure to validate the debt they are attempting to collect on is in direct violation of Fair Debt Collection Practices Act and therefore these accounts must be permanently deleted from my credit report
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my consumer report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It's my understanding that the Credit reporting agencies will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify : XXXX XXXX XXXX XXXX