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

On XX/XX/2023 A fraudulent criminal made several transactions one for {$2000.00} one for {$1900.00} and one for {$1900.00}. They also raised my daily limit to {$7000.00} without my permission. Wells Fargo texted a confirmation to me of which I denied stating it was fraudulent. I then spoke to a Wells Fargo representative, requesting that all transactions be denied. This was not done. The transactions were approved, and Wells Fargo has continued to deny my request for reimbursement of the funds. I have screenshots of text messages, denying these transactions. At the same time I also had fraudulent activity for several smaller charges totaling XXXX along with alerts from Wells Fargo and XXXX that my identity had been compromised. Wells Fargo has continued To deny my request for reimbursement and has failed to address any of my transaction disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX/XXXX  has been fraudulently and i called the collection agency and requested original documents that show proof of account being mine which was requested a week and a half ago, they have not complied.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account wasn't reported accurately. I know accounts can miss represent paid on time reporting. I had two late that was paid on time. The Consumer Reporting Agency have an obligation to report all information with complete accuracy. I have attached a copy of this complaint in XXXX 2024.I 'm now requesting you to investigate this account and update these payments to paid on time immediately. Thanks so much for your prompt action.
Product: Credit reporting or other personal consumer reports

THIS WAS FRAUD. NOT MY ACCOUNT. I HAVE GREAT CREDIT AND I PAY ALL MY BILLS ON TIME. I HAVE CALLED AND CALLED THE COMPANY AND NOTHING IS RESOLVED SO NOW I AM DEALING WITH YOUR AGENCY IN HOPES OF HELPING ME. DUE TO LAW 15 U.S.C 1681 THIS IS NOT LAWFUL AND I NEED ALL FRAUDULENT ACCOUNTS TO BE REMOVED IMMEDIATELY!
Product: Payday loan, title loan, personal loan, or advance loan

I took out a *very* small loan from this company to help me pay bills during a XXXX of financial hardship. I intended to pay the loan back in full within a XXXX  or XXXX, but its been XXXX  months. The XXXX was extremely predatory and the way they give you access, or dont give access, to your account with them is extremely suspicious. Had I known upfront that I would not be able to manage the loan payments online with this company, that would have been a red flag for me. There is no way to reschedule a payment or change payment methods without contacting their customer support team. I have also, within the past XXXX  months experienced inconsistencies with being able to even login to my account. Just today, XX/XX/XXXX of XXXX, I logged into my account successfully at about XXXX XXXX. I was then able to access the chat support feature and did speak to someone about turning off XXXX. Their agent did supposedly do this ( I received a confirmation email ), but immediately upon doing this, I was logged out. I tried to log back in, but it claimed that the same credentials I used just XXXX  ago were incorrect. I experienced similar inaccessibility about a XXXX ago ; I was unable to log in to my account and thought maybe the password I had saved was incorrect, so I requested to change it. It took over XXXX hours to get an email to change my password and the link to do so did not even work. Ideally, to resolve this, Id like to refinance the loan. The interest is so high that it makes it impossible to get ahead of it and get myself into a position where I can pay off the principal in full. I also think that this company, is generally predatory in the way that they restrict access to the customer managing the loan themselves without the companys assistance and how they also seem to turn off your ability to even access your account altogether.
Product: Credit card or prepaid card

We ordered AMEX cards like we always do for employees and incentives straight from the website. Somehow the entire balance gets used before the user even uses it. When we call AMEX they don't care but gave a report of uses. All bXXXX XXXX  and other charges exactly totaling the card amount in California we didn't do. So, someone inside XXXX or AMEX is hacking this info before card are sent out. Here are other people having issues recently and can't believe this is not a bigger issue for others. 

Please see links to examples of other folks having the issue. 

https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX!
Product: Credit reporting or other personal consumer reports

I disputed this with all 3 credit agencies and 2 have removed this from my records. Experian will not. This information is not accurate as I have never filed a bankruptcy in XXXX, Ga. 




Your Bankruptcy Dispute has been updated. 
XX/XX/2023 The dispute for the bankruptcy named XXXX XXXX XXXX XXXX XXXXXXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 

Source : Experian Date Submitted : XX/XX/ Report Number : XXXX Court Name : XXXX XXXXXXXX XXXX  GA XXXX XXXX : XXXX XXXX XXXX , XXXX , GA XXXX Type of Record : Bankruptcy Reference Number : XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX  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 XXXXSC 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 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  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 card or prepaid card

This issue is regarding Apple Card operated by Goldman Sachs. I tried to make a payment for XXXX on XXXX. The payment was attempted erroneously using an unused bank account. I immediately made a separate payment from the correct bank and requested Apple card to cancel the other payment. They asked me to wait till it is posted the next XXXX The next XXXX when it got posted, they told me it cant be cancelled. They said they have to do a manual refund to the account to cancel it. They told me no physical money would move. I agreed. Immediately the payment was shown as cancelled and the balance was corrected. I thought that was the end of it. 

Now they have posted a balance adjustment of XXXX on XX/XX/XXXX increasing my outstanding balance. I tried raising a dispute XXXX times. Both times the customer service agent understood the issue but then the dispute was closed in XXXXXXXX XXXX with a very weird message. They said and I quote Your dispute has been investigated. You contacted us on XX/XX/XXXX regarding a payment to your Apple Card account. We have investigated your dispute and determined that no error occurred. Your payment of {$1300.00} was refunded to your bank account ending in XXXX as requested on XX/XX/XXXX. Your bank then returned the payment on XX/XX/XXXX which increased your outstanding balance by {$1300.00}. They are saying that they took money from the card to pay to my bank that gave the money back and so my balance went up. If the bank didnt give the money back and its in my bank account, I would understand. But this explanation is totally hilarious. 

While raising the dispute, I asked them to look at the balance on XX/XX/XXXX, add purchases and deduct payments and then tally the balance. They seem unable to do or understand this simple math. Can you help out?
Product: Credit card

I am submitting this complaint after months of frustration dealing with Bank of America 's Line of Credit Division ( BA ). Despite numerous requests and clear evidence, provided by BA, I am unable to obtain accurate credit history of my Account, reported to XXXX, XXXX and XXXX. I am trying to refinance my mortgage and this inaccuracy is negatively impacting my credit score, which in turn negatively affects the interest rate ( higher rate ) I am able to obtain on the refinance, which in turn will result in paying substantially more money in interest charges. Attached is a file containing the following Exhibits:1. Exhibit A - BA letter dated XX/XX/XXXX stating that my Account was established in XX/XX/XXXX and there have been no late payments made on the Account2. Exhibit B - Page XXXX of XXXX of my credit report, completed on XX/XX/XXXX, indicating one 30 day late payment in XXXX XXXX. Exhibit C - BA letter dated XX/XX/XXXX, with the same information as the XXXX XXXX letter4. Exhibit D - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating the concerns regarding incorrect reporting on the Account and the unwillingness of BA to confirm that there are no late payments5. Exhibit E - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating the unwillingness of BA to confirm that there are no late payments6. Exhibit F - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating that the Account is still being reported incorrectly7. Exhibit G - Page XXXX of XXXX of my credit report, completed on XX/XX/XXXX, indicating the Account has no payment history at all, which negatively affects my score since I have 48 months of perfect history not being factored into the score8. Exhibit H - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating the concerns regarding incorrect reporting on the Account ( no history and XXXX Accounts ) with a call into BA9. Exhibit I - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating the concerns regarding incorrect reporting on the Account with a call into BAThere seems to be no other way to get through to BA except filing this complaint through the CFPB. At this time I am asking that you request BA to immediate correct this error and to send written communication stating the correct history be reported immediately. I would also request that they place authorization on file to verbally confirm my pay history with XXXX XXXX, XXXX, XXXX and XXXX. I am not sure if you can levy fines or penalties for this type of behavior, but I would also like to see some type of fine levied on BA. 
Thank you for taking the time to review my complaint.
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 Experian 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 Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian 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 : Payment Delay Due to a Bank Transfer Error : My payment for XX/XX/XXXX was initiated on time. However, a processing error on my bank 's end delayed the transfer by 24 hours. I provided bank statements and transfer confirmation showing the exact date the payment was initiated and the error acknowledged by my bank. 
System Outage on Payment Portal : During the period in question, XXXX experienced an outage on their online payment portal, which prevented me from making a timely payment through the usual online process. I contacted customer service immediately after the issue and have attached screenshots of my conversation with their support team confirming the technical outage. 
Incorrect Late Payment Assignment : The late payment was incorrectly applied to my account even though my payment history shows that I have consistently made on-time payments. There was no valid reason for the assignment of a late fee or the reporting of this late payment, and I have attached payment receipts that show consistent payments for the past two years.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian 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 XXXX
Product: Student loan

On XX/XX/2018 between my father and I we received 8 phone calls between XXXX-XXXX. 
No one was on the other end answering and no messages were left. If I didnt answer the phone they would call my dads personal number, if he didnt answer they would call his work phone number, then they would call me again. It was a never ending cycle for almost 3 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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
Product: Credit card

Good morning, I added my husband as an authori zed user on two of my credit cards, but it made both of our credit scores decrease, so I asked them to remove him as an authorized buyer. They did, but they still reported the card information on his credit report. I asked if they could please strike the information from his record, as it is my debt and both cards are in my name associated with my SS #. They said they could n't remove the record. This is affecting his credit score, and as we pay off bills the records of these two card s remains an issue to his score being lower than we would like. I simply wanted to remove him and the record. I still have the cards and do n't even want to close the accounts, I just do n't want them on his report. Can you please help me?
Product: Credit reporting or other personal consumer reports

This is my XXXX requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$640.00} XXXX  XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$530.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$12000.00}
Product: Checking or savings account

On multiple occasions, Wellsfargo has wrote me in regards to security breaches and also they have charged multiple overdraft fees with no explanation. After going through the pain and suffering for years, I eventually closed my account with them.
Product: Student loan

I found out about Public Service Loan Forgiveness in XXXX and inquired about it with Navient who was my loan XXXX. I asked Navient to consolidate my loans and specifically asked if I was on the correct payment plan for PSLF and was told by the Navient customer service rep that everything was correct. It wasn't until XX/XX/XXXX that I learned through a co-worker that my student loans had to be transferred to XXXX XXXXXXXX XXXX. I contacted XXXX XXXXXXXX in XX/XX/XXXX to begin the process of having my loans transferred for PSLF. I again asked the customer service rep if I were under the correct payment plan to qualify for the PSLF and was told yes and it looked like I would received credit dating back to when my loans were consolidated in XXXX. XX/XX/XXXX I learned that I was in fact under the wrong repayment plan and none of my payments counted toward the 10 year PSLF program which meant that I made 4+ years of payments for nothing. Also I learned that my payments would have been less had I been under the correct plan. I was told by XXXX XXXX XXXX and Navient that nothing could be done and they were sorry that the customer service rep was not well trained in PSLF.
Product: Debt collection

I contacted ARS on XXXX/XXXX/2015 to dispute an item they placed on my credit file. I sent them a dispute letter asking them to provide me with information on this debt with my signature agreeing to this debt. XXXX days went by, they sent nothing. According to federal law and the FDCPA they were suppose to remove this item. They did not. I then sent them a letter on XXXX/XXXX/2015 asking them to cease all communication with myself and XXXX, XXXX, and XXXX. They have failed to do that as well which violates The Fair Debt Collection Practices Act. If they contact myself or ANY of the XXXX Credit Bureaus regarding anything concerning me I will immediately contact FL Attorney General XXXX XXXX directly as well as file a complaint with the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Throughout the month of XXXX i've called Experian over a dozen times to file a dispute i recently looked at a copy of my credit report and noticed several incorrect accounts which are XXXX and XXXX reporting with no credit limit, no high balance and reporting of 120 days late back to back month, i spoke with XXXX to express my concern and she was very rude, dismissive and unprofessional and said she cant dispute those times, so i requested a supervisor, i spoke with a male supervisor XXXX and he said he will not remove or dispute any inaccurate information and began to argue with me for approx 15 mins, he used intimidation tactics.
Product: Debt collection

Pursuant to 15 usc 1692 I am requesting validation for this debt. Please provide me with proof that it is mine or that I even have to pay it. I am requesting validation for the following accounts : 1. Capital  One- XXXX XXXX. Capital One-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have attached my complaint and not put it here because I have figures to support my complaint that can not be attached in this area. Please see attached. Thank you.
Product: Money transfers

My sister in Iowa purchased a reload it money pack in the amount of {$150.00} to be transferred to my XXXX card. Reloadit.com requires customers to establish what they call a " safe '' for fast secure money transfers. It has now been 48 hrs and I have yet to receive access to my funds. I have rudely been advised by reloadit.com 's customer service that they are experiencing technical difficulties with no ETA of when it will be resolved. This was an emergent situation and my family has had to suffer without food and now possibly electricity because of not receiving timely funding.
Product: Mortgage

-bought the house in XX/XX/2018 -my first mortgage company transferred my account to Loancare -property tax was for XX/XX/2018 -contacted the Loancare on XX/XX/XXXX , letting them know we received a bill from the county and the tax is overdue. We had more than enough money in the escrow account to pay the tax. ( they said they will take care of it ) -contacted the Loancare on XX/XX/XXXX to get an update - no updates from the company -contacted on XX/XX/XXXX to get an another update - they a check will be disbursed on XX/XX/XXXX to the county and they will cover all the late fees -contacted on XX/XX/XXXX because we received a final notice from the county about foreclosure - They said they will try to move the disbursement date to XX/XX/XXXX. 
-contacted on XX/XX/XXXX to get an update - we realized the check was not disbursed like it was promised. The company kept saying, they contacted the county already and they talked. The reason for this delay is they had to review something???? 

**contacted my property tax office on XX/XX/XXXX directly. I asked if my mortgage company reached out to them but they have no records showing my mortgage company reached out to them. We were afraid of losing our house so we paid the property tax out of our own packet instead of waiting for the mortgage to pay for us** -contacted on the company XX/XX/XXXX for an update - they said they disburse the check on XX/XX/XXXX. They said I will get an email on that day to let me know the money was taken out from the escrow account. 

Today is XX/XX/XXXX. I didn't receive any emails from the loancare that they paid the taxes. I checked my escrow account and nothing was taken out. Currently we have {$6300.00} and property tax was {$2400.00}. I'm trying to reach out to them so they can run escrow analysis since we have too much money in our escrow account now. It has been about 26 minutes since I'm waiting for the representative..
Product: Consumer Loan

The debt documented in the Public Record, XXXX and owned by LVNV Funding LLC has been satisfied, Settled in Full. Documentation is attached. Credit report continues to show public records as unsatisfied and the lien has not been released.