23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On Monday XXXX XXXX I checked my credit reports and saw a new collections account was placed on my reports. XXXX XXXX fraudulently placed this account on my reports and they admitted they did when I called them on this same day at XXXX XXXX XXXX XXXX. 

I first talked to a customer service rep about the issue and asked him why they never sent me a bill/notice to give me a 30 day chance to either pay or dispute the bill. He said he did n't know and that they just barely got the account and that it takes them 30 days to reach out to the customer. I went on to ask him what address they had on file for me and he gave me the right address so I told him there would have been no problem with me receiving such notice. He went on to tell me that sometimes there are rare glitches and they put accounts on the customers credit reports before telling them that they owe a debt. He also went on to be a smart XXXX and say that I could n't prove that they never sent me a notice. Which tells you they are guilty! UNACCEPTABLE! 

I asked the guy to get me a XXXX and thats when a XXXX got on the phone with me. I again went over the issue with XXXX and asked him why they never sent me a bill/notice about this account so that I could take care of it before they put it on my reports. He did not have an answer for me. However he did say that he would remove them off of my reports and then we made an agreement that once it was gone from my reports I would pay this bill off so it would n't be on my reports and affect my credit. 

They are violating the FDCPA and also HIPPA. They never gave me a chance to pay/dispute. I never signed any authorization release forms for my medical information to be shared with a 3rd party. This is a medical bill from 2012 that I do n't recall but I am not trying to dispute it I am more than willing to pay it as I told the Commonwealth employees I have been cleaning my credit and trying to buy a house so I would have definitely taken care of this account before resulting in them reporting to the credit bureaus. 

I am very upset over there actions and I gave them a second call on Thursday XXXX XXXX at XXXX XXXX XXXX XXXX. I again spoke with the XXXX XXXX and he reassured me that he would be removing this account from my credit reports. All of this should be on tapes as they say that all calls are recorded. That would be proof of them being in violation and agreeing to remove the account from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've notified Equifax several times regarding incorrect information on my credit report. They've replied to one inquiry specifying that the information has been verified, but upon request of information pertaining to how they verified the information they've ignored me. They've provided me no information as to how this inaccurate information is valid. I've mailed them information on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit card or prepaid card

I paid off my balance in XX/XX/XXXX. In XXXX the company added on a {$2.00} fee to my account without my knowledge and didnt send me a bill for this fee instead they added late fees each month and showed my account as missed payments from XXXX - XXXX XXXX have not used this card since XX/XX/XXXX and was under the impression my account was at a {$0.00} balance. I called they agreed to waive the fees and show my account as current and never missed a payment. But now I check my credit report and they are reporting {$99.00} balance and late payments. I called back and they told me it was nothing they could do to show my payments was never missed. They falsely report my payments as late from XXXX to now. They said they balance would reflect as {$0.00} until XX/XX/XXXX 2023
Product: Debt collection

The hospital generated a fictitious name that's all cap with that is not me I am the original human flesh and blood I did not acknowledge or sign any legal document in any red or gold authorizing this debt to be establish on to me nor my sac.. 

Under the stipulation of 15 US Code 1681i ( 6 ) ( b ) ( iii ), it mandate that consumers reporting agencies ( namely XXXX, XXXX, and XXXX ) are required to furnish a written notification to consumer ( in this case myself ), upon request, detailing the methodology employed to verify the accuracy and completeness of the information on record. This includes providing the name and adroit of any information provider contacted during the verification process, along with contact number. Over 30 days ago, I solicited documentation. Without legitimate proof backing this account, it has no basis to be included in my credit report..
Product: Mortgage

I have been unable to get the following answers in writing from Wells Fargo.

1. My Mortgage Loan is due on the XXXX of every month with a grace period through XXXX of the XXXX of each month. yes or no 2. If no to # 1 above, please explain where I am confused. 

3. Is my mortgage loan an FHA or Conventional or something else? If something else, please advise what type. 

Sincerely, XXXX XXXX
Product: Student loan

Trying to get released from a student loan that was taken out with my now ex. He will not respond and because Im not the original person to take the loan i am unable to be released
Product: Student loan

I do not have the dates of my student loan. It was XX/XX/XXXX or XX/XX/XXXX. XXXX sold me " college '' debt and the education was n't worth transferring credits bit they helped me get my student loans and grants put thru. I have heard there was a lawsuit. I really need this resolved so I can go back to school. This time just for a certfication. XXXX is like half student loans. Can You Help?
Product: Payday loan, title loan, personal loan, or advance loan

My credit unioXXXX paid off this loan on XX/XX/2024 via check in the amount of {$25000.00}, check number XXXX, dated XX/XX/2024. The check was sent via us postal service and received at upstart on XX/XX/2024. The XXXX XXXX XXXX tracking number is XXXX XXXX XXXX XXXX XXXX XXXX. I spoke to company supervisors several times and the refuse to credit the payment and stated they dud not receive the check even though the postal service tracking number shows it was received and signed fir by a company representative. In the interim, my loan sows 21 days past due and XXXX hurting my credit status.
Product: Credit reporting or other personal consumer reports

Please read this complaint carefully, there are credit inquiries on my report which I don't recognize and it is stressing me out. I did not authorize this nor given consent to these company to access and use my credit report.
Product: Credit reporting or other personal consumer reports

Please be sure to review and process the information that has been uploaded in the files and remove all inaccurate information.
Product: Credit reporting or other personal consumer reports

Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : N/A, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 Sent a letter via certified mail to EQUIFAX and delivered on XX/XX/21. Tracking number Tracking ID : XXXX. Letter stated rights being violated and ask to have personal information removed from consumer file. I put XXXX of notice about some inaccuracies on my consumer report. In my letter I asked for debt validation from multiple companies being furnished on my consumer report pursuant 15 USC 1692g under FDCPA. I also asked for these accounts to be deleted if no agreement with my wet ink signature could be produced. I have not given any person ( s ) my consent to furnish any of my private information. Therefore, the following accounts must be deleted from consumer my report. Fair Credit Reporting Act 15USC 1681b states ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. My rights are protected under the FCRA.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days Late as of XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Payday loan, title loan, or personal loan

My car was totaled in an accident on XX/XX/XXXX. The car was deemed a total loss on XX/XX/XXXX by XXXX XXXX. At this point we were informed Chase Auto Finance did not have the title which was in my possession. I overnighted the title to XXXX. After weeks of calls, I was informed I need to complete and overnight a NJDMV form which I did. Two more weeks passed and I was told I need to submit that form again. I have been given a completion date as to when this title was going to be perfected by Chase Auto Finance and is has never happen. I always get voicemail and then a return call at weird times of the evening. In the meantime, I am told I have to continue to pay the loan on the car for that is a total loss, plus the loan on my new car and I have not been paid from XXXX the money owed to me for the loss as they are not being provided a pay out. This has been going on for over nine weeks and still no resolution.
Product: Credit reporting or other personal consumer reports

The information being reported on my XXXX Loan. This account was never late and or 60 days past due. The account was paid in full on XX/XX/year> there was 30 day a late payment reflecting on XX/XX/year>. That information was reporting error. They corrected the error, and in return the credit bureaus updated the information and reported that XX/XX/year> was 60 days late which is incorrect.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities.

Account name : XXXX XXXX XXXX  Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these inquiries ( A ). It is unacceptable to list these inquiries as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 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: Credit card or prepaid card

Comenity Bank XXXX XXXX XXXX Account Payment Due Date XXXX XXXX Paid balance In full : XX/XX/XXXX Balance Amount : XXXX After Paying my balance in full, I discontinued autopay XX/XX/XXXX - {$2.00} fee added to my account XX/XX/XXXX - {$2.00} fee added to my account XX/XX/XXXX - {$2.00} fee added to my account XX/XX/XXXX - {$6.00} fee added to my account XX/XX/XXXX - {$2.00} fee added to my account XX/XX/XXXX - {$14.00} fee added to my account XX/XX/XXXX - {$2.00} fee added to my account XX/XX/XXXX - Finance Charge refund of XXXX cents XX/XX/XXXX - I logged online to pay balance of {$30.00}, the balance shown online. 
XX/XX/XXXX - Total Fees of {$30.00} were posted after I made payment. This amount was not showing online when I paid on XX/XX/XXXX as I paid the full balance. 

Furthermore, no statements are available past the XXXX Statement. I continue to get fees as recently as XXXX XXXX
Product: Credit card

I opened a Stash Rewards credit card and set up my online account. I made a few purchases then XXXX large purchase of around {$2200.00} that was declined and set off a fraud alert on my account. I called Synchrony Bank to inquire why the transaction was declined and the told me I needed to send in identification verification to them in order to lift the hold from my account. They said it had to be mailed in and not sent by email. I mailed them the items they requested. Two weeks later I called them up to find out the status and was told they did receive my ID documents and still needed to review them. She said I would be informed of their decision in 7-10days. Three weeks have passed without a word from them. Today I received an email stating my payment is past due and to log into my account to make a payment. I attempted to do just that but I 'm still locked out of my account. 

I sent the documents they requested and still have no access to my credit line or the ability to make a payment. I need help resolving this matter with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX - XXXX XXXX Balance : {$3200.00} XXXX XXXXBalance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXXBalance : {$1700.00} XXXX XXXXBalance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXXBalance : {$520.00}
Product: Credit reporting or other personal consumer reports

My social security number is not correct.. my address isnt correct
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX 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

As a business customer with multiple accounts at Bank of America, I am experiencing significant frustration regarding a recent issue. I have encountered a problem with a double payment made on my business credit card, for which I requested a refund to my Bank of America checking accountthe same account from which the duplicate payment was drawn. This request was submitted over a month ago, specifically on XX/XX/ 2024, yet I have yet to see the funds returned to my checking account. During my second call to customer service, I was informed that the initial representative had submitted the request incorrectly, necessitating a new claim to be filed. On XX/XX/XXXX, I was assured via online chat that the request had been approved on XX/XX/2024, and that the refund would be processed within five business days. However, as of XX/XX/XXXX, the funds are still not reflected in my account, leaving me perplexed about the delay in processing this refund. 

In addition to the refund issue, I am equally frustrated with the automated customer service system. The system creates an endless loop that prevents me from connecting with a live representative. Despite my attempts to provide the necessary information, such as my account number and Social Security number, the automated prompts fail to recognize my inputs and hung up. This results in a repetitive cycle where I am continually asked why I wish to speak with a representative, without any progress being made toward resolving my concerns. The lack of effective communication within the automated system is not only time-consuming but also exasperating, as it hinders my ability to address urgent matters. 

If this is the level of service that Bank of America intends to provide to its customers, I am seriously considering closing my accounts. The current system forces customers into a frustrating interaction with a robotic interface that does not adequately address their needs. It is imperative that the bank reevaluates its automated processes to ensure that customers can easily reach a live representative when they express a desire to do so. A more responsive system that prioritizes customer needs would greatly enhance the overall experience and restore my confidence in Bank of Americas commitment to its clients.
Product: Checking or savings account

I signed up online for a Wells Fargo account because they were offering a {$300.00} checking bonus for making qualifying deposits totaling {$1000.00} within 90 days. I met the requirements, but every time I call, they claim the bonus wasn't applied. The website states that the code is automatically applied for online enrollment, while customers visiting a bank are emailed a code. Since I enrolled online, the bonus should have been automatically applied. This feels like false advertising, and they dont seem willing to resolve the issue. Many other customers have also complained about this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : AFNI Fraudulent credit reporting. On XX/XX/2020, I received notifications from XXXX  and XXXX  that my score dropped 43 points, and a brand new debt of {$140.00} for " XXXX XXXX XXXX XXXX XXXX' had been fraudulently created. The notification indicated that the dates of collection were from XX/XX/2020, to XX/XX/2020. These dates happen to match the exact same dates being reported by other complainants. 

These accounts were never created by myself. The charge for {$140.00} is fraudulent, and the credit score impact is unwarranted and unacceptable.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 46 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous complaints already through the CFPB portal so please look to them as reference. Basically, I just found out that my actual SSN is XXXX and received a reprinted card to show exactly that. I attached it below along with my driver 's license. For my entire life, I've been using XXXX because that's what my old SSN card showed because it was misprinted. I spent months trying to get all of the credit bureaus to change the SSN on file to XXXX, but now I need them all to change it to XXXX. I already am in the process of having this situated with my creditor - XXXX XXXXI also attached the first page of my credit report which clearly shows that the different credit agencies are reporting different SSN 's under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of credit report company was not given permission to run my credit please remove from all credit bureaus. Also there is closed accounts but still being reported that does not belong to me. 
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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$300.00}, {$750.00}, {$750.00}, {$12000.00}, {$220.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 

-OPEN ACCOUNTS- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$750.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$750.00} -This is not my account. 

-AUTO ACCOUNT- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 


-COLLECTION ACCOUNT- 5. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$220.00} -This is not my account.