23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently submitted a request to have the 30 day reporting on my auto loan removed because the bank account they attempted to pull from was not my bank account. I did not ADD or REMOVE the bank account they attempted to pull from. On XX/XX/XXXX, Capital One Auto Finance pulled a payment for {$370.00} from Bank account ending in XXXX, this is not my bank account, on file, I selected my bank account XXXX. When I spoke to a customer service representative, they said that the account ending in XXXX was the ONLY bank account I had on file for XXXX XXXX XXXX. It did not show XXXX was added or used at the time of payment and that I should fill out a dispute. They said to fax in my bank statement to prove I had funds available from my XXXX XXXX XXXX account which I did. I had {$1400.00} available for withdraw that week. I received a letter from Capital One yesterday, XX/XX/XXXX, indicating just that they concluded the reporting was accurate. This is inaccurate. I have no idea why this pulled from XXXX, the account was not even an option on my account and the representative did not see it either. Even if they pull up the audit trail of accounts added and removed at that time, they can not prove I added that account and removed it. I want this removed. I paid the payment immediately once I received notice from the credit reporting services I use.
Product: Money transfer, virtual currency, or money service

Dear sir/mam, I newly created account in Wise.com with my private and business both IDs. I have transferred XXXX XXXX  and XXXX on XXXX XXXX from my private account which is not given to me yet. 
Also, I have paid XXXX XXXX, XXXX XXXX and XXXX XXXX  paid on XXXX XXXX which is not given to me yet. 
I have sent them all evidences through emails and their XXXX chat. My bank has confirmed me that they have paid all full amount to the beneficiary. 
Wise.com customer care staff is completely silent. 0 reply since last week. 
I have to pay for my business registration and I am stuck now. 
Kindly check out the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

over several months, I have attempted to have all 3 credit bureaus to provide me with documentations that shows that i have a binding agreement with the incorrect items being reported on my credit report. the only thing that i have recieved has been generic verified letters. they can never provide me with proof as i have asked over several month.
Product: Bank account or service

In 2012 my husband and I went into his WFargo branch to cash a {$50.00} check made out to both of us. I was not on his account. Although we were both present and had I.d., we were told we could not cash a check made out in both of our names. We were taken to new accounts and told we had to open a joint checking account. A savings account was open at the same time ( that we did not want our ask for ). The new accounts rep bragged about openings XXXX accounts that week. Thereafter I received a late fee notice that I had not paid my Wells Fargo credit card invoice. I have had this card for 20+ years and always pay off the balance each month. After the branch opened the joint checking/savings account they stopped mailing my statements. I was told they were mailing the statements online. I do not bank online because of threat of hackers, etc. It literally took hours on the telephone, trips to the branch and paying interest on a balance due. I was so angry at the new accounts rep that I wanted to strangle him ... .all for a measly {$50.00} check that we could have cashed at XXXX branch. I am no fan of Wells Fargo. They lost my trust!
Product: Credit reporting, credit repair services, or other personal consumer reports

A lien has been placed on our home by Troy CapitalXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , NV XXXX, ( XXXX ) for someone else 's debt. The lien is for {$1100.00} in the name of XXXX. The loan was originally turned over to XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, PA XXXX ( XXXX ) The company admitted to me that the Social Security Numbers for the name do not match, yet they can not remove the lien. 
I am not responsible for this debt. Another person with the same name is. My bank is refusing to process a loan for me for this reason. Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Promotional purchases & Non promotional Purchases. : * Account opens on or about XX/XX/XXXX new acct etc. 

* USA Mail theft is reported XX/XX/XXXX. Listed in the report is XXXX. 
refer to download. 

* via. XX/XX/XXXX-XX/XX/XXXX i was charged a promotional purchase non payment fee. 

* Communications store - card returned those fees and adjusted account. 

* The charge still is being charged monthly for over 16 months after adjusted by creditor. 

* Once fees are returned and account adjusted it is fraud to charge a non payment promotional fee once the fees are credited back to the account, for prior adjustments via, the creditor overall higher available balance is negative indicator in notice of the financial adjustment its reporting a indicator.. 
* Issues. : the credit card company has not reported the contents in the police report as lost/ stolen with the credit bureaus. 
* It is required it report accurate and properly. wherefore, * creditor on the deductive non payment promotional balance fees. 
* Creditor reports great payment history * Creditors mark.- high revolving balance * notes.- non payment promotional purchase etc.. 
* Denial of credit line increase. 
* In case law the account is a US Theft in the amount of value stolen {$800.00} Be advised, On XX/XX/XXXX thru XX/XX/XXXX I was advised by a credit reporting agency 's. XXXX XXXX a freer tool of a data breach my information was found in by use of 3 companies going back to XX/XX/XXXX thru XX/XX/XXXX.  In review of credit cards, and credit reports, and other financial information the credit company 's information has used i claim in 2 areas be acknowledge * The value of the police report is the contradiction of the billing department * A new card should of issued and if issued the account information with the credit reporting agency 's should have information about the close of the credit card * And have the information of the current account accurately. 
* XXXX  '.
Product: Student loan

I told tuition options that I wasnt able to keep up with my payments and the customer service lady said to me and and my mom that I if I was still enrolled in school that I wouldnt make payments on my student loans I just got XXXX XXXX XXXXl I started up in XXXX and tuition options contacted my today asking if I can make a payment I have no job and I got denied for trying to take a loan out so I can be able to pay for college tuition options knows this and yet they keep asking me when Im going to pay. When I had talked to someone over the phone to try and get help or other options so I can repay the loan the customer service representative said thats not my problem that you cant pay on youre student loans.
Product: Credit reporting or other personal consumer reports

I reviewed my XXXX XXXX Experian credit report dated XX/XX/XXXX, and identified several inaccuracies that require rectification. This letter serves as a formal dispute under the Fair Credit Reporting Act, specifically 15 USC 1681 ( e ) ( b ). 
Consumer Information Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Correct Address : XXXX XXXX XXXX, XXXX, PA XXXX Accounts to be Disputed : XXXX XXXX, XXXX Account Number : XXXX Account Status : Charge Off Open Date : XX/XX/XXXX Last Activity : XX/XX/XXXX Type : Charge Account Reason for Dispute : This account is inaccurately reported as a charge-off and should be removed. 
XXXX XXXX XXXX  Account Number : XXXX Account Status : Closed Open Date : XX/XX/XXXX Last Activity : XX/XX/XXXX Type : Secured Responsibility : Individual Reason for Dispute : This account is inaccurately reported as closed and should be removed. 
XXXX  Account Number : XXXX Account Status : Closed Open Date : XX/XX/XXXX Last Activity : XX/XX/XXXX Type : Check Credit or Line of Credit Responsibility : Individual Reason for Dispute : This account is inaccurately reported as closed and should be removed. 
Address Correction Please remove the following incorrect address from my credit report : Address to Remove : XXXX XXXX XXXX, XXXX XXXX, PA, XXXX & XXXX XXXX XXXX, XXXX XXXX, PA, XXXX Please update my address to : Correct Name & Address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Money transfer, virtual currency, or money service

I was giving my daughter a loan via XXXX. I inadvertantly used an old email and I filed another CFPB complaint against my bank, XXXX  XXXX XXXX. The bank was able to confirm that the transaction was sent to M & T Bank, but since it was a completed transaction, they asked, but apparently M & T would not return my money. Hence, this complaint against M & T Bank. The account that the money was sent to was apparently in contention with my daughter, and she has not accessed the account in months, so it appears that M & T is trying to keep my money {$400.00} for their issues with her account. I don't feel that they should keep my money sent to them in error for a dispute that has nothing to do with me.The account in question is M & T Acct # XXXX. It is my understanding that my daughter has notified them of the error, and also filed a complaint with CFPB, but they are trying to keep my money!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 5 separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a charge account opened at XXXX XXXX opened XX/XX/XXXX under the account number XXXX, an secured loan account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under account number XXXX, an secured loan account opened at XXXX XXXX on XX/XX/XXXX under account number XXXX. Theses accounts have resulted in several fraudulent hard inquiries and collections appearing on my fraudulent items be removed from all reports These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX : XXXX -- -> : {$1100.00} XXXX XXXX XXXX XXXX : XXXX -- -> : {$3100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Sezzle, a company which I had never heard anything of, sent me an email with the title " Action Required : Update your Payment Method ''. They noted that my credit card ending in XXXX no l

onger worked and that I needed to update my payment info. Somehow, these guys got hold of the fact that I had recently canceled my credit card and gotten a new one ( from XXXX ). And they used that info to craft a scary email to scare me into signing up for their Buy Now Pay Later service.

I downloaded their app to verify that I indeed had no account with them, that I had never used their service, and that their email was a big, fat lie. I was proven correct -- scarily, they somehow also had an old physical address of mine.

These guys somehow got my data ( illegally, I presume ). Maybe XXXX sold it to them ; maybe they got it off the dark web. Regardless, I presume that their behavior is illegal and it needs to stop.
Product: Credit card or prepaid card

On XX/XX/2020 I received direct communication from Barclay 's for a {$20.00} statement credit on my XXXX XXXX XXXX Card if I were to make 3 orders for XXXX XXXX of any amount during the month of XXXX. I completed the terms on XX/XX/2020 with three separate purchases. The terms days the credit will post to eligible accounts 6-8 weeks after the end of the promotion ( XX/XX/2020 ). 

On XX/XX/2020 I contacted Barclay 's about this promotion not being honored, and was told that I did in fact complete the terms, and that a statement credit would post within 10 business days. 

On XX/XX/2020 I reached out again, and was told that I still had not received my credit due to " an issue with the bank ''. No timetable was given. 

On XX/XX/2020 I reached out again, further acknowledgement that I fulfilled the terms, but no timetable given as to when the statement credit would post. 

On XX/XX/2020, I called to inquire about this promotion which has now gone about two months past the end of when payment was promised. Still no timetable given.

I see no willingness on Barclay 's part to honor this promotion which is easily solved with a simple {$20.00} statement credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hyundai financed cat & it was totaled. They admitted they never notified me of my balance after car totaled. I cant pay something I am unaware of. I paid what we worked out in full weeks after I was advised by my credit monitoring because they sent me to collections with zero chance of resolving. No correspondence of any was sent until after they sent me to collections.
Product: Debt collection

On Tuesday XX/XX/XXXX I received a phone call from XXXX at XXXX XXXX. I answered, and it had me press " 9 '' to continue, which I did. I held for a moment confused by what was going on. 

Finally, a woman started asking me my phone number and was very rude telling me I owed CITI bank a debt from XXXX and needed to pay them NOW {$2000.00} or they would file litigation against me and that would cost me over {$5000.00} and they would garnish my wages of 30 %. She asked if I wanted to be transferred " upstairs '' to get this taken care of. I explained I had no idea what she was talking about, let alone from 13 years ago. She said they mailed me something in a YELLOW envelope, but people usually throw it away thinking it's junk mail ; I explained I probably did the same thing. I even asked for documentation and she said no, I could be transferred but I had to pay and be transferred or they would take me to court. I again requested information and she wouldn't provide me with anything. 

She continued being very harsh with me and I kept asking her to be patient with me as I am trying to understand what is going on. I continually asked her to be patient that I am speaking nicely to her and not yelling, I understand that she probably gets yelled at often but if she is going explain what is going on, what company she is calling from explain I would appreciate it. She continually said that if I don't pay they will take legal actions against me and do I want to be transferred. 

I asked her who did she represent. Was it CITI Bank or another company. She said, " XXXX XXXX ''. I asked the litigation of who? CITI or someone else. She said she was with the XXXX XXXX. OF CITI BANK collecting debt. So, I asked her again, because she was getting loud and frustrated with me as I was trying to understand and kept saying they'll take me to court and was being rude. I explained that I was being nice to her trying to understand. I then asked for her to transfer me to a manager if she couldn't be nice and patiently explain this to me that maybe that person would. She would not transfer me. I then asked for her name at which point she then hung up on me! I have no idea what is going on, what the actual name of the company is or if there is an actual debt I am not aware of from 13 years ago! 

So, I am still without any understanding of who/what this company is, who called ( other than the " CITI Bank XXXX XXXX '' any documentation and concerns about a suit being filed against me for I don't know what about an unknown debt from 13 years ago!
Product: Student loan

The loans started with XXXX back in XX/XX/XXXX then apparently have moved all over Navient, PHEAA, AES, XXXX 
Back in XX/XX/XXXX I contacted your office XXXX was very helpful and was advised what to do to bring this loan out of default which we successfully did and per advise from your office we applied for and was granted the IBR program XX/XX/XXXX, paying ever month {$120.00} to AES among other names. Which I believe these companies change to their benefit. 
XX/XX/XXXX recertification came up and we again were granted the IBR for {$30.00} XX/XX/XXXX let me add here this was all done by a higher up supervisor at AES who had all information in front of her .This payment was based on family size and other considerations. Only to have this rescinded XX/XX/XXXX. When I called AES this supervisor said they had made a mistake, but I said I had been on the same program for over a year. 
My husband is XXXX, our son has XXXX which is why he went to XXXX which promised him education leading to a good job in XXXX which never happened although he did graduate in XX/XX/XXXX with his XXXX. The only thing to come out of it was a tremendous debit. Which we keep trying to pay, but the rules keep changing to the benefit of these above mentioned companies even when one does what one is guided to do. 
Today I get a letter from PHEAA stating that default consequences now are 19 % and {$8300.00} this is in addition to an already growing balance of {$43000.00} it never goes down only up. 
My husband who is XXXX since XX/XX/XXXX was granted a XXXX back in XX/XX/XXXX from XXXX only to have that rescinded in XX/XX/XXXX He is however still XXXX, I work partime as a XXXX and bring home {$XXXX} a week. 
Yes I have called my Maine Senator XXXX to no avail and Senator XXXX to no avail. 
Why when regular people like us do that which we are guided to do, then the rules change to the benefit of these loan companies that do n't want a family to succeed .Just go further into debit which can never be paid back and they know it. Does anyone really care? I beg you to please help us. All we want is a level playing field and debit relief. 
Ironically this letter today from PHEAA clearly states a repayment option of IBR which we were already on. I do pay the {$30.00} every month. 
I know one should not get emotional about the above, but these companies are playing with everyday peoples lives. I have loads of documentation to the above and wish I could go in front of congress to show what is going on with this outrageous dealings of these lenders. Please I do not know how to attach documents, but have many to submit for someone to look at. 
Thank you for your time and I hope you or someone can help. I am sure I am not alone. 
Kind Regards, XXXX XXXX, Maine
Product: Mortgage

I have had the same mortgage payment since purchasing my home in XX/XX/XXXX. In XX/XX/XXXX I received a mortgage payment statement increasing my payment by about {$300.00}. When I attempted to call the lender it took three days to get in touch with anyone. Finally I was notified by the lender that I was sent an escrow analysis ( which I did not receive by mail ) and they have found there was an error made and for the past two years they have been not charging me enough PMI and now I owe the difference for the past two years, therefore significantly increasing my monthly payment. I can understand small increases due to insurance or taxes, but because of an " error somewhere '' I am now unable to afford my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was disputed and removed due to non validation. It was transferred and re reported even after being removed previously. 

Requested a debt validation and contract in writing with wet signature