23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Regions bankcard ... took dog to vet went to pay for services and it said when they ran it refer to card owner ... ran three times didnt work. Call and used 23 minutes of data before they bothered to answer., no music over and over how they won first place with banks for service. No one ever ever sent me an email or text stating that my card had been shut down due to a suspected attempt of use in NY. So they just dont tell you and you are in with dog at vet and you cant use it. TERRIBLE. In addition while im here they changed their website and it has something called insights and you cant get it off. How i spend my money is my business. At my other bank they took it off, I am not married my father is deceased i control my own money and dont need regions to budget my money. It was also very embarrassing that my card was turned down in front of everyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the ablitity of the Credit Bureuas to ignore a consumer 's requests to investigate and correct the information being reported on my Credit report desite the countless dispute letters and CFPB Complaints I have been sending. I have read enough to understand my rights which is clearly being violated by the Credit reporting agencies. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX Balance Owed : {$750.00} XXXX XXXXXXXX Balance Owed : {$760.00} XXXX XXXX XXXX Balance Owed : {$600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account listed on my credit report by a debt collection agency RickArt Collections Systems collecting on behalf of XXXX XXXX. RickArt is not licensed to collect in the state of Florida and therefore I am disputing this collection account.
Product: Mortgage

I am in the process of mortgage assistance and am hoping for a loan modification but Wells Fargo has sent me notice they will no longer service the loan as of XX/XX/XXXX. The company taking over, XXXX XXXX has horrible reviews and I believe it is within reasonable expectations for Wells Fargo to complete the modification immediately rather than pass the proverbial buck. 
This has been a long drawn out process and I have proven my income & ability to make monthly payments several times this year. If Wells Fargo refuses to expedite this matter I will be forced to take legal action to get damages due for several illegal handling instances of this mortgage as outlined in previous complaints ( filed with XXXX as email ). 
It is time Wells Fargo escalate this matter to executive management and close the deal for me in good faith rather than leave me hanging and in distress unnecesarily. If they do not finish the job that needs to be done there is no reason a new company, with a horrible reputation of handling customer issues, should be expected to do so. 
I ask that Wellls Fargo do the right thing and make this the priority it should be given the circumstances.
Product: Consumer Loan

Complaint against buy here pay here dealership XXXX Byrider, XXXX PA for unethical business practices & fraudulent business practices that is targeting consumers with poor credit ratings & difficulty financing a vehicle such as illegal rigging of car mechanics in order to cause future issues that is targeting consumers that are already suffering financial hardship that hinders ability to purchase or finance a vehicle at other car dealerships due to poor credit rating.
Product: Credit card or prepaid card

Starting in XX/XX/2018 I have received a reoccurring charge from XXXX on my USAA credit card. I have tried every month to dispute the charge and ask to not allow the charge to continue. To this date I am still being charged. I cancelled the first card received a new card and USAA has continued to allow the disputed charge. No matter how many letters I send I can not get USAA to cancel the monthly charge. This has gone on for 7 months with no positive outcome. I have been charged XXXX monthly for a XXXX account I do not have.
Product: Payday loan

In XX/XX/XXXX I took out a loan with Spotloan for XXXX. I later found that Spotloan was not licensed to loan in the state of Iowa, and were charging interest in the amount of over 300 % APR. As of XX/XX/XXXX the balance was reportedly at XXXX, even though I had made two payments of XXXX to take off a balance of XXXX. The remaining principal would only be XXXX, and Iowa lender guidelines for payday loans would only be XXXX that could be charged in interest per year. Now I am unsure of which collection agency would have loan, and should only be responsible for paying back XXXX for the remaining payday loan balance. I have received calls from collector XXXX or others with no mailing address to send payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act. The list of accounts belowhas violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

account name- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MI XXXX RE : Account Number XXXX XX/XX/XXXX To Whomsoever it May Concern : Thank you for taking time to read the contents of this letter. I am writing this letter because I took notice that my most recent credit report comprises a paid closed account reported on XX/XX/XXXX for my XXXX XXXX Discover Bank account. 

I have been an customer of Discover since XXXX of XXXX, and I am contacting you to see if you be willing to make an " Good will '' adjustment to my XXXX, XXXX, and XXXX report. I had only one late payment in XX/XX/XXXX due to losing my job during XXXX XXXX. I have always been an excepional customer, and this negative inquiry is making it hard for me to get financing for a new home. I would like for you to consider deleting the negative inquiry from my credit report. I have been a happy customer in the past and hope I can continue that relationship with Discover Bank. 

Kind Regards, : )
Product: Credit reporting or other personal consumer reports

XXXX has continuously reported inaccurate negative information about the status of a lease that was settled and that they were to correct the information on in lieu of being sued for damages. XXXX engaged in unlawful consumer fraud activities and harassment. During the course of XXXX weeks XXXX and TransUnion have changed the info on my credit account XXXX times and TransUnion has changed the numbers on my credit score XXXX times. XXXX continues to report false information to the credit bureaus and TransUnion despite having supporting documents continues to handle my credit report irresponsibly causing harm and distress. Attached are the erratic actions taken with my score and account info.
Product: Credit reporting, credit repair services, or other personal consumer reports

The process initially started when reviewing my credit and noticed a discrepancy with XXXX XXXX. I reviewed my payment history called the XXXX  number and reviewed that I didnt miss my XX/XX/2021 payment as they were reporting. They acknowledged the discrepancy and stated they would resolve this inaccuracy with the 3 credit reporting bureaus. This still hasnt been resolved. 
How do I know, i recently tried to finance a new car from XXXX XXXX XXXX, XXXX XXXX and was told by the representative that The Experian app uses a scoring model. All of those credit bureau apps are usually between XXXX points off. I found this utterly amazing and disturbing as the published information from the credit bureaus was vastly different that what the dealership had reported to me my credit score. I shortly received mail notifications from XXXX XXXX and XXXX stating their reasons for denial of which one was numbers of delinquency. This is contrary to what is being reported on XXXX XXXX consumer credit reporting site, that conversely my payment history was very good. I think this a targeted business model by retailers, lenders and credit bureaus to take advantage and charge exorbitant interest rates based on false reporting and deceiving consumers of their credit worthiness. As it relates to my individual situation, when XXXX XXXX looked at my income, length of employment 25+ years with same employer, in their mind this tactic was justification of approving my loan but, at an exorbitant interest is pure unethical. This matter hasnt been addressed and should be on the floor before Congress
Product: Debt collection

I am writing to express my extreme frustration about the accounts on my credit report that I believe are due to identity theft. I demand that these accounts be removed immediately. The questionable accounts are : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$6400.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$450.00}, and XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$1500.00}. I already submitted a dispute to XXXX and XXXX regarding these accounts, and they have already removed them from their records. They found an error and were able to verify it. I'm confused how you've verified these accounts while the other bureaus have already removed them. Please delete these accounts from my file. They are inaccurate, erroneous, incomplete, or unverifiable. I was the victim of identity theft, and I'm not sure why the credit reporting agency is not complying with the law. The other bureaus have followed suit. I'm very confused why this one seems to ignore my requests. Your fast attention to this matter is not only crucial, but it is also your legal obligation. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to have things removed from credit bureaus all 3. XXXX has me locked out now online, I try calling, security info doesn't match and can not get a person on the phone. Few minor debts I will list that I'd like removed from all bureaus, and have contact debtor and no help. XXXX {$120.00} I never lived in XXXX around the time this bank account was opened I had lost my wallet with i.d and social security card in it. I contacted this bank, they said it has been charged off, but I'd like it removed, as it was not mine, It is affecting me being able to get any type of credit card or loan, so I offered to even just pay it and they refused, there fore there are denying me to pay it off, and to remove as charge off as fraudulent account. Next XXXX XXXX XXXX  also known as XXXX XXXX  I paid that off XXXX weeks ago, I did not realize I had that delinquent account, forgot about but it's paid so I need that removed. XXXX says I had credit line with them, I've never been approved for such, and it's listed on one of 3 bureaus as past due, but XXXX balance so I'd like that remove, they are also listed under inquiry. Like that removed since this again was probably somebody using my name. Then multiple address listed on my credit. My address is XXXXXXXX XXXX  XXXX XXXX XXXX. XXXX FL XXXX, that is address on my Florida XXXX so all other address pls have removed from all three credit bureaus. Then employer is XXXX. All other jobs listed are over ten years ago, so I'd like all employers besides XXXX removed. XXXX XXXX XXXX has multiple past due account small bills, like {$7.00}, {$31.00}, $ XXXX never lived in XXXX XXXX where they r saying that bill occured, contacted them no help. Informed them that if this was my account I have had full coverage XXXX  since XXXXso I sent the bill to my insurance, they said this is not my bill. Please remove all these things. I can't get threw to XXXX, XXXX I filed disputes online, TransUnion saying XXXX  is mine but it's not. And I'm just so upset that from little things more credit is so low and I spent hours trying to correct with 3 main bureaus and only few things updated, but main thing is XXXX and the XXXX XXXX XXXX XXXX which I paid off you can verify calling XXXX and they direct you to XXXX XXXX  which was collection agencys d confirm please that I paid, 3 bureaus telling me upload it online yet XXXX of them have my online acct frozen for answer security question wrong, and I tried calling to unfreeze and can't get a person in the phone. I'm literally losing my mind about these people not helping me, acting u professional, and talking to me like XXXX over some small debts like I'm a XXXX, it's not right
Product: Credit card or prepaid card

My account keeps getting an error when trying to log in. My digital wallet has thousands of $ of gift cards loaded on to it, and a website error is not allowing me to access it. 

I have escalated this for months now and no answer or solution has been given. 
Either fix my log in issue or issue me a NEW digital wallet with the cards loaded on to it. 

See the error message in attachment login : XXXX email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

( 103 true Identity theft ) XXXX  File XXXX XXXX  Report Confirmation:XXXX Experian Report Number:XXXX ACCOUNT NAME : XXXX XXXX Account # : XXXX ACCOUNT NAME : XXXX  Account # : XXXX ACCOUNT NAME : US DEPT ED ACCOUNT NUMBER XXXX ACCOUNT NAME : DPT ED/XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ( Original Creditor : 12 XXXX ) Account # : XXXX ACCOUNT NAME : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX ACCOUNT NAME : XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX   XXXX XXXX XXXX  ) Account # : XXXX ACCOUNT NAME : XXXX ( Original Creditor : 11 XXXX ) Account # : XXXX IVE BEEN TRYING TO REACH OUT TO XXXX  Experian XXXX  BUT THEY ONLY RIGHT ME BACK SAYING ITS VERIFIED PLEASE HELP ME THANK YOU!!
Product: Credit reporting 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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Late Payments Not Authorized To Be On My Report No written authorization was given XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX NY XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The accounts that I have marked as inaccurate are : XXXX XXXX XXXX XXXX XXXX Federal XXXX XXXX ( Select Portfolio Services ).
Product: Credit reporting or other personal consumer reports

I have contacted charter communications several times with law enforcement showing I didn't receive anything for charter. Charter even stated I didn't even hook ups the equipment or any data was used. Now The CBE Group inc is trying to collect on this fraud account. I have filed legal actions against Charter Communications and The CBE Group INC to bring the truth to the table. Now if Charter Communications and CBE Group INC deletes this account from my credit file I will remove the legal actions. Sheriff is out now with an order to serve on CBE Group INC to come to court. Charter knows and Amits that this account is fraud. I'm a victim of identity theft by XXXX XXXX XXXX and he's been arrested several times for using my identity for credit cards and auto loans and power and water and cable services. People check ID 's before issuing credit. I have a statement with a phone number on my credit file to call before issuing credit with a fraud alert.
Product: Student loan

My payment was applied incorrectly. I applied {$1300.00} to # XXXX and {$400.00} to # XXXX. I then received confirmation emails supporting this. 

Somehow, the entire {$1700.00} was applied to # XXXX.
Product: Credit card

I purchased a brand new, large 3d printer via XXXX in XX/XX/XXXX. I purchased it from XXXX XXXX, a dealer in XXXX, Iowa. I picked up the printer from the Manufacturer in XXXX, Indiana on XX/XX/XXXX. The pickup date made available to me was later than I was promised and the machine was very faulty from the beginning. After 28 days of attempting to use the machine I asked for a refund. XXXX refused. On XX/XX/XXXX I filed a dispute with XXXX. In XXXX I provided to XXXX documents from three industry experts explaining the printer was significantly not as described. On XX/XX/XXXX, XXXX told me XXXX agreed to provide a refund. XXXX instructed me to return the item to the manufacturer ( not the seller ) with tracking information and to require a signature. As I was preparing to ship the printer, I contacted the proposed receiver to ensure they would be available for the delivery. They told me at that time they would not accept the item back and would refuse any attempt of delivery, sight unseen. They also told me to delay shipment until it was sorted out, a direct contradiction to what XXXX instructed me. I contacted XXXX with this information and they told me to ship it anyways ; the receivers attempt to refuse the delivery " was not my problem ''. So that is what I did. The freight company made two attempts to deliver and obtain a signature but the receiver would not make themselves available. Finally, I instructed the freight company to deliver without signature. The item was delivered on XX/XX/XXXX. The freight company said it was " delivered okay ''. Days later the seller filed new information with XXXX stating the printer had been damaged during shipping. On XX/XX/XXXX XXXX denied my dispute claim and refused to provide the refund they promised. I believe this is wrong because XXXX acted in bad faith during the return process. They forced me to take responsibility for the item arriving damaged without giving me the option to deliver the item myself ( which is how I received it ) and they did not force the seller to be available to receive the item where the receiver could have denoted the machine was damaged during shipment. The seller 's bad faith was then rewarded by XXXX denying my claim. Part of this purchase was placed on my credit card from Wells Fargo. After XXXX refused to help, I filed a chargeback with Wells Fargo on XX/XX/XXXX. Wells Fargo has rejected the chargeback due to the merchant 's return policy. They will not give me additional information. I was within the merchant 's return policy and I have shared that information with them, but they refuse to change their decision. Specifically, this is Wells Fargo Case Number XXXX
Product: Debt collection

halsted financial services, keeps calling XXXX to XXXX times a day attempting to collect a debt, but i have not receive any mail about it, i refuse to give my ssn or any other information over the phone with the till i receive something by us postal service. i would like the calls to stop and my name and information removed from there system, and if they have affected my credit i would like that removed as well.
Product: Checking or savings account

My bank account has been compromised I am a victim of identity theft I have contacted bbva multiple times to ask for help in this matter and advise them of transactions I did not authorize have been charged to my account. It has been an ongoing month long battle with customer service and the fraud department to fix this. I call once a week sit on the phone for hours with different reps and supervisors who all have not been able to resolve this matter. Now I am being penalized and my account is being closed in 30 days for something I had no control over. After being a 10 plus year patron of this bank my account is being closed and not replaced. When I am the victim in this I am losing my account, I all ready loss money that BBVA still has not retrieved from the thief that gained access to my account.