23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am going through a divorce with my ex wife XXXX XXXX. During the proceedings I closed and paid off all of our joint accounts. In XXXX got an alert from XXXX that my usage on my XXXX XXXX had spiked and that the balance was almost {$12000.00}. I called XXXX as I have another card through them and was informed of this card for the first time which is in my ex wife 's name with me listed as a secondary guarantor. I told them on XXXX to close the account and they told me that could only be done by the primary card holder. 

I was then directed to the fraud resolution department which I spoke to on XXXX XXXX, XXXX, and XXXX th. The account was finally closed on XXXX XXXX, XXXX but by then the amount owed had risen to {$18000.00}. I told them that I had never authorized this card and they verified that I have never charged anything on the card. I have since requested a copy of the card holder agreement on XXXX XXXX and was told it was sent. On XXXX XXXX, XXXX I was told it was sent to my ex wife in error. I then resubmitted the request on XXXX XXXX, XXXX and was told it was coming my address which was verified. When I called today and spoke to a supervisor I was told it could only be sent to the primary card holder. 

I then sent a fax as directed explaining my situation again. If they can not provide me with an agreement I have requested they remove me as a guarantror.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX equifax & XXXX violated my rights as a consumer in XXXX XXXX XXXX and refuses to exclude all information solely as to transactions or experiences between the consumer and the person making the report.
Product: Debt collection

XX/XX/2023, I was involved in an auto accident while in XXXX. The other driver was at fault, which is documented in the police report. We were both insured by XXXX. I was driving a rental vehicle from XXXX group. XXXX took care of the accident as the other driver and I were fully covered. XXXX group incorrectly wrote the vehicle off, and is stating there is a balance of {$XXXX}. XXXX is stating no additional amount is owed, and this is a error of XXXX. When I had contacted XXXX, they had stated the situation had been resolved and I had nothing to be concerned about. I received a letter from a debt collector, XXXX XXXX XXXX , LLC stating they are collecting the {$XXXX} amount. I have contacted XXXX third party collision team, XXXX and they are unresponsive. XXXX is stating this is incorrect, and XXXX has incorrectly written the accident off. XXXX stated to not communicate with the debt collector, XXXX XXXX XXXX , LLC and has contacted them as well that this debt is illegitimate. XXXX XXXX XXXX , LLC is refusing to review the claim and keeps contacting me aggressively.
Product: Credit reporting

They refuse to send me my credit report online or via email. Called with no resolution, unable to obtain free annual credit report as well.
Product: Credit reporting or other personal consumer reports

Vance & Huffman LLC has violated me as a consumer. I'm unaware how they've obtained my person information, but I did not give them permission to my personal information or consumer report per 15 USC 6802. Vance & Huffman LLC began accessing my consumer report on June 2022-January 2025 for an amount of {$2400.00}.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX. * Date of Late Payment : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : 1. The payment was made on time, as reflected in the attached bank statement, which shows that the payment was processed on XX/XX/XXXX, well before the due date. This suggests a clerical error in reporting the payment as late. 

2. Additionally, I have attached the payment confirmation receipt from XXXX, which clearly indicates that the payment was received and processed on time. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I contacted Quicken Loans for a mortgage loan for a new home an XXXX XXXX XXXX. On the same Day, I spoke with quicken loan officer, XXXX XXXX who was helping me with the loan application. I gave him all the pertinent information for credit purposes. He asked me to send him XX/XX/XXXX and XX/XX/XXXX taxes of which I sent through his email. On XXXX/XXXX/XXXX, I wrote XXXX an email to make a follow-up on my loan application. My email was never returned. I followed up with several call ( XXXX ) XXXX ext.XXXX. All my call were never returned despite of leaving several messages. Credit disclosure was never sent to me despite of pulling our credit, the loan was neither approved nor disapproved to this day and no further communications. I believe I was a victim of racial bias and of national origin because of my accent.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. Account Name XXXX XXXX XXXX, Account number XXXX
Product: Credit card

Fidelity Credit Card - issuer : Elan Financial Services I rarely use this credit card, so the monthly statement usually has only 1 -2 transactions. I used the card to pay for tuition in XXXX and then paid the card in full ( {$2100.00} ) on XX/XX/year>. 

In early XXXX I dropped a class and received a refund of {$1500.00}. This credit balance of XXXX was shown on my electronic statement. 

On XX/XX/XXXX, I called credit card customer service to see if I can get the amount ( {$1500.00} ) refund back to me. The agent said yes and it will take 2-3 days to show up in my bank account. 

On XX/XX/XXXX, I called back telling the customer service agent I did not receive a refund to my bank account. He told me the previous agent made an mistake and that refund need to be sent in a paper check. He said I will receive the check the follow week. 

On XX/XX/XXXX, I called again telling a different customer service agent I did not received a paper check. He told me the previous agent had made a mistake and it will take 15 days to receive a paper check. Something went wrong in their system and I have to wait another 15 days. 

On XX/XX/XXXX, I received a letter stating my XX/XX/XXXX request was cancelled but did not explain why. I called the customer service again. This time a supervisor was on the phone. She said she need to do some research on the issue and I need to wait for another 15 days. It's been over a month and my refund request is going nowhere.

At this point I asked to cancel my credit card as the customer service is unreliable. Every time I called, they blame the mistake to the previous agents and asked me to wait another 15 days. I don't have confident that I will ever see the refund. So please help!
Product: Credit card

Dear Sir or Madam, I got a flyer from an attendant regarding XXXX XXXX XXXX credit card which says a new account can get XXXX mileage bonus points with spending of {$3000.00} during the first three months. So I applied the credit card in XX/XX/XXXX and started using it ( * XXXX ) as soon as I got it. I satisfied the spending but only found that Chase only offered me XXXX mileage bonus points. So I contact to Chase customer service ( XXXX ) XXXX XXXX on XX/XX/XXXX and was told by a gentleman that he would escalate it to the sales department. I got a mail dated on XX/XX/XXXX that my account isn't eligible for the bonus because the offer is transferable between accounts. So I called the Chase customer service again on XX/XX/XXXX and told a lady that it was a new card/account so I should get the bonus points. The lady then told me that I should report Chase mistake within 150 days since opening the account. I told her since I got the third statement in XX/XX/XXXX, XXXX was only one month after I found out Chase 's mistake. Moreover, since it was Chase mistake which didn't honor it offer/advertisement first. How could Chase expect a customer to find its error in time? She agreed with me and transferred the call to her supervisor. But after investigating the situation, the supervisor said he agreed with me but he couldn't correct the error. I feel like Chase has been cheating customers by the false advertisements, it wouldn't honor its promotion, and when customers found out, it wouldn't correct their mistakes. This is unbelievable to me! Therefore, I request Chase be investigated for similar frauds toward customers and correct its mistakes, as there must be many customers like me. Should there be any questions regarding to my case, just let me know. Thank you! 

Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has and is still reporting inaccurate late payments on two of my 8 student loans. All of which, are linked to the same account and repayment plan. I have always been on the income driven repayment plan since I have been out of school. My payments are {$0.00} per month and have always been. They are reporting inaccurate payments owed per month, interest, account balances, high balances, and refuse to correct the inaccurate late payments on two of my student loans. I have requested proof via letter to Experian and never received anything.
Product: Payday loan, title loan, personal loan, or advance loan

I took a loan from this company for {$1000.00} on XXXX XXXX on todays date XXXX XXXX XXXX, my balance is {$1200.00}. 
I have paid {$1800.00} into this account already, have not missed or skipped a payment so I don't know how or why the balance is so high.
Product: Debt collection

I purchased a car through Ally financial which was my lender. My car XXXX   XXXX vin # XXXX became a total loss and my insurance company XXXX paid XXXXand my gap insurance paid XXXX. This issue has been on my credit fir two years and now its listed as a charge off. The company that is now responsible for the debt .XXXX XXXX account # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several accounts on my credit report that I believe are the result of identity theft. I have already reported this issue to the appropriate authorities, and I am now requesting that the credit bureaus cooperate with me to resolve the matter. 

As a victim of identity theft, I am entitled to certain protections under the law. I expect the credit bureaus to comply with all legal requirements, and failure to do so may result in legal action against them.

I have already contacted the other credit bureaus to report the accounts in question, and they have ceased reporting them as they have confirmed them to be fraudulent. However, your bureau continues to report these accounts, which is causing serious harm to my credit score.

I have also contacted the creditors associated with these accounts, and they have confirmed that the accounts were fraudulent and have agreed to remove them from my credit report. 

Fraudulent account in question : XXXX XXXX and XXXX XXXX Bankruptcy-dismissed Reference : XXXX.
Product: Credit card

The Law states that my Transactions are not included in the Consumer Reports. A payment history is a history of all transactional payments. A late payment is only a factor of F.I.C.O. yet it's being reported illegally on my Consumer Reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple inquiries have been reported without my consent
Product: Checking or savings account

I opened a new account with Citi. I received a checkbook and a debit card. I activated the debit card and started using my account. I change my direct deposit to Citi bank and started using checks. Even though the money was there, the checks I wrote bounced back ( I tried to pay for daycare for my son ) and I was charged returned check fees by the daycare. 
I contacted Citi and asked what was going on. They said the checks were not activated. I said I have never heard about a need to activate checks ( I have a few accounts with other banks and I never had to activate a check in my life ) and was not informed in any way I need to do it prior to using the checkbook. 

I also so the money was debited from the account, but did not realized that they were credited back later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm " XXXX XXXX XXXX, '' and I value you setting aside some efforts to CORRECT the inaccurate accounts in my credit document ; as a matter of fact, there are still a few records that needs to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). The following accounts are inaccurate and have to be corrected these : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$260.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to extend myself a credit card through XXXX XXXX followed by XXXX XXXX. They both denied me due to incorrect information supplied to them unlawfully from the Credit Bureaus ( XXXX, XXXX, Transunion, XXXX XXXX ). During times like these i should be able to use my own credit to take care of personal essential needs for survival. I contacted the bureaus weeks ago and got no response at all for help in fixing these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX XXXX XXXX XXXX has failed to 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. 

Account # XXXX was deleted from XXXX on XX/XX/2022 and then reinserted on the credit report on XXXX XXXX which violates FCRA 15 usc 1681i - reinsertion after deleted materials.

( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

This also violates FCRA 15 usc 1681 ( b ) once the account was deleted from my file, the information may NOT be reinserted in the file unless it was certified complete and accurate, which is not due to the many inaccuracies of the verified date, date reported, date opened and last payments.

Lastly, it violates FCRA 15 USC 1681 ( ii ) Notice to consumer.

If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I was never notified of the reinsertion in writing within 5 business days of the reinsertion and I never authorized this to take place. I have contacted the Attorney General 's Office, XXXX and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I am demanding that this debt be entirely removed from all three credit bureaus or I will be seeking statutory damages as XXXX willfully violated its obligations under the FCRA.
Product: Bank account or service

We had a Wells Fargo Business account. They called to inform us that there was fraud with our account. We lost access to our original account and they would n't inform us what kind of fraud or prove that there was fraud in our account. We had to open a new account. Our business checking accounts were linked to Medicare & Medicaid, which is a process to link our accounts to.
Product: Debt collection

I have been trying to dispute whatever this debt is because everything I have paid medically is through medical insurance and nothing else is supposed to be billed to me personally. I have already disputed this but I am still seeing it in my account as a debt of over a XXXX dollars. This is not right. This should not be on my record. This needs to be taken off as soon as humanly possible. I do not need to pay this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/22, I received a notice of a declined credit card from Wells Fargo, I also received an alert from XXXX XXXX about a new inquiry from XXXX XXXX XXXXXXXX, two actually. I immediately called both as I had not applied for any new credit. I have since filed the appropriate paper work with the XXXX, sent certified letters, along with supporting documents. Police report, driver license etc. Asking for the hard inquiries to be removed from my credit as XXXX had determined it was fraud and has closed the checking account, and credit accounts down. However, the hard inquiry still remains, they have stated that the credit reporting agency must receive a dispute that they can not help. I have already done this and the credit agency states that only the creditor can remove the hard inquiry. I do not know what else I can do. I have followed all of the steps necessary but am not receiving the result I need.
Product: Debt collection

I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never supplied me with goods nor services. In addition to that I have never received any notices from them prior to them placing this on my credit report so my rights under FDCPA section 809 were violated
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX, has violated my rights. XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
Chapter XXXX Bankruptcy XXXX, has violated my rights. 

15 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: Student loan

I have documents that shows and proves that all of my loans have been completely paid off. I have paperwork from XXXX saying that {$5800.00}. {$4000.00}, and a {$2600.00}. loans were paid in full. Those loans were subdivided from an original promissory note where i had applied for a {$5000.00}, and {$2600.00} loans but i didn't qualify for them and only received {$4000.00}. loan. I have been paying on loans which i had never received. 
I also have the official paid promissory notes for {$4000.00}, {$1000.00}, and document showing that the {$1700.00}. and the {$1600.00}. went into collection companies. So I owe Mohela nothing if anything they owe me for all of the years I've been paying on these paid loans. I have been contacting Mohela now for a year and I don't seem to be getting anything done about it. XX/XX/year> complaint number with Mohela is # XXXX
Product: Bank account or service

I recently wrote a check to someone out of my Wells Fargo account. I ended up canceling said check because person waited to cash the check for six weeks. I could not remember the number of this check so therefore I canceled a range of checks. Well, 4 days prior to this I had written a check for my rent. I did not realize but the check that I had written actually was XXXX of the range of checks that I canceled. The only way that I found out about this is because the check did not come out of the account for over 3 weeks and I went to my WF bank to see what was going on. I also called my rental management company. The rental management company had actually cashed the check but Wells still has not returned the money to them because the check was stopped. I issued another check but that check on their end still has not been noted as canceled or returned or anything. It is odd to me that it took this long. I also could have had other items coming out so this caused me great distress. Please see if something can be done. Wells still does not have any details on the check other than it was submitted for depository on the rental property 's bank.
Product: Checking or savings account

Deposited XXXX XXXX on XX/XX/XXXX. Didn't know how much they were worth going in, so was happy with the number given to me and left. Spent the money ( Moved to other accounts, spent, invested ). XXXX month later, I had a large lump sum payment taken out of my account ( XX/XX/XXXX ). Thought I had been hacked because almost all my money in my account was gone and there was weird activity. Spent XXXX mins on the phone with the banks XXXX Department. After XXXX mins it was discovered that in XXXX, they had discovered that I was given too much for my savings bonds because ther machine had moved a decimal place over. I went into the bank today, XX/XX/XXXX and spoke with the same guy that halped me in XXXX. They said that I was not entitled to the money. However, the money they had given me was already spent. The money that was in my account was from my last paycheck which WAS NOT THEIR MONEY to take without warning and in XXXX big lump sum. There was NO attempt to contact me before they took the money out of my account.