23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I agreed to settle a debt to American Express via their counsel, XXXX XXXX XXXX. Due to well documented malfeasance by the person at XXXX XXXX I was dealing with, I overpaid the settlement amount by ~ {$5000.00}. I overpaid because they wouldnt take my payment and I thought they were going to accept my settlement money and sue me for the remainder anyway, so I was going to try to pay the balance in full, about $ 20k. 

I didnt think they should be able to go back on our agreement, so I reported them here and they agreed to honor the agreement, I have it in writing, and refund me my ~ {$5000.00}. 

It has been many weeks, and I think they arent going to send me my money. The guy just keeps saying that the checks in the mail but nothing ever comes. Hes stopped replying to my emails now too. 

I have a XXXX XXXX XXXX and suffer from a bad XXXX   resulting in a XXXX XXXX XXXX that they are trying to exploit an XXXX. 

Also, American Express wont update my account to say I paid it as agreed. They reported to the credit bureaus that I made a payment on my account, but I still owe a balance, which isnt true. They are reporting false information about people which I think is slander and they should be fined {>= $1,000,000} for it.
Product: Credit card

I implore you to promptly update my account as I have consistently made timely payments, and the current situation is causing me a significant amount of anxiety.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I provided Equifax with a letter informing them that I am a victim of identity theft. In addition to that letter, I also provided Equifax with a copy of my Identity Theft Report, proof of my identity, and a copy of section 605B of the Fair Credit Reporting Act, which requires Equifax to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to demand that Equifax disclose to me all of the documents that they have recorded and retained in their files at the time of this request concerning the accounts that resulted from identity theft. I requested copies of the documents that were used to verify the accounts. I did not receive those documents and Equifax continued to furnish information about the accounts for which I submitted an identity theft report. The consumer reporting agency did not reasonably determine that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. Equifax did not have a valid reason to decline or rescind the block. Which is violating my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ).
Product: Mortgage

When my loan was transferred back to All Western Mortgage while in the middle of receiving XXXX assistance from the home preservation dept., it was transferred back to ALL Western Mortgage. I made XXXX payment then due to hardship situations I got behind.When I asked multiple times to catch up after XXXX payments behind but was not allowed they stated due to no such catch up assistance or forbearance plans within their company only to be told it would be sold or pay XXXX unreasonable amount that is almost TRIPLE what the payments would be for the past 10 months. So I went to XXXXXXXX XXXX to get assistance to no avail .I also contacted XXXX XXXX XXXX XXXX XXXX for assistance and they have not received a response as well. XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. advised to file bankruptcy at last resort due to time. This is not what I wanted to to please assist me in saving my home for my family. please advise as soon as possible as this is very urgent. Thank you have a XXXX day!
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items removed from my credit reports effective immediately. I am attaching proof Equifax has admitted that I was the victim of this data breach and has done nothing. Please help me delete these illegal accounts from my credit reports. Those accounts being. 

- 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

Multiple dispute attempts have been made to XXXX and Equifax to delete information this is not mine off my reports.
Product: Credit card or prepaid card

Please refer to attached document. 

XXXX ( XXXX XXXX XXXXXXXX ) failed to disclose a {$49.00} fee when I made a reservation online and only disclosed " FLEXIBLE CANCELABLE. '' When I subsequently decided to change plans and cancel only then they disclosed the {$49.00} fee. They refused to refund the fee. This is a violation of federal requirement of requiring full disclosure ( 1001.1101 Failure to disclose certain information. ) I then disputed this to Capital One ( https : //www.capitalone.com ), the credit card which I used for payment. They ignored my claim of XXXX full disclosure violations 1001.1101, and  insisted that I contact the merchant for the {$49.00} and declaring the dispute closed!!!! 

I then sent them the attached letter fully describing the situation and explaining that my dispute is now completely with Capital One for failing to represent my SPECIFIC claims properly to the merchant for response and resolution and for failing in enforcing my federal credit rights. 

I cut up my credit card and enclosed it in the envelop with the XX/XX/2018 letter and describing that I am leaving the {$49.00} charge unpaid because of Capital One illegal actions. 

ALL subsequent Capital One communications with me have been over the {$49.00}, adding late fees, interest and penalties and have sent the dispute now to collections.
Product: Student loan

I have an XXXX degree from XXXX College. During my time there, I applied for, and received, private student loans from XXXX/MEFA ( Massachusetts Educational Financing Authority ). These XXXX loans equal approximately {$100000.00} in principal debt. 

Upon graduation from XXXX, I was accepted directly into XXXX XXXX XXXX for XXXX school and received and automatic deferral on my federal loans. However, when I contacted XXXX/MEFA, they informed me that my loans could not be deferred, despite being placed in an in-school status. As a full-time student, it is impossible for me to pay the full costs of the loans, which amount to approximately {$1000.00} per month. They will not allow any kind of forbearance or deferral, despite my ongoing education and lack of income. They also will not renegotiate the terms of the loans.This loan corporation 's deceptive practices placed me in this situation.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXXXXXX : Account number XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX  Account number - XXXX XXXX XXXX : Account number - XXXXXXXX XXXX  XXXX inquiries XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report XXXX XXXX XXXXXXXX XX/XX/year> {$7800.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Debt collection

Called Tek Collect XX/XX/22 and XX/XX/22 left msg for a XXXX XXXX. I have a new evidence on the the illegal debt collection of this account and how it is being reported. See attachment for details. The reporting of this account maybe be out of compliance according to industry standards.
Product: Checking or savings account

I created a checking account with capital one for a new job i started. I did not get signed up for direct deposit in time so the company owner wrote me a check. They are withholding my funds for over a week and will not explain why. I have received no written notice as to why, they just keep telling me they can not release my money at this time. I worked this job to be able XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and now i have no money until after.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Experian for their use of stall letters in response to my legitimate disputes, which has significantly delayed the credit correction process more than twice ( XXXX  plus + days ). Despite providing all necessary identification information, Experian has consistently failed to remove inaccurate items from my credit report, which is not only frustrating but also against the law. I have even submitted all required identity documents within my dispute letter, assuring that the letters are from me. 

These actions by Experian have undermined the integrity of the banking system and have violated multiple federal laws, including but not limited to the Fair Credit Reporting Act ( FCRA ). I believe that their conduct has breached at least the following five provisions of the FCRA within 15 U.S. Code 1681c. 

Despite multiple attempts to resolve these issues, including the submission of my identification information, Experian has persisted in its use of stall letters as a tactic to delay compliance with my legitimate requests. This behavior not only demonstrates a blatant disregard for legal requirements but also significantly impacts my financial well-being. 

I request that the Consumer Financial Protection Bureau take immediate action to investigate Experian 's practices and enforce compliance with federal laws. I urge you to compel Experian to promptly address and correct the inaccuracies in my credit report and to cease using stall tactics in response to consumer disputes. Furthermore, remove all accounts that are not complaint with Metro2 reporting. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and will provide any further documentation or information required to support my complaint.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to two multi-layered scam operations run by individual named XXXX and Detective XXXX representing the fictitious entity XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudulent investment firm ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts still on my credit from over 10 years ago after I complained and filed that that was no my account I also have inquiries that werent authorized and there are collections still on my account multiple agencies calling me to collect a debt
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax bureau 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : US DEPT ED XXXX Balance : {$870.00} US DEPT ED XXXX Balance : {$1200.00} US DEPT ED XXXX Balance : {$2800.00} US DEPT ED XXXX Balance : {$550.00} US DEPT ED XXXX Balance : {$3700.00} US DEPT ED XXXX Balance XXXX {$1100.00}
Product: Prepaid card

on XX/XX/XXXX i received an American Express XXXX XXXX in the amount of {$2000.00} from my employer. Upon trying to use the card it was being declined. I called the number on the back of the card ( XXXX ) XXXX and was transferred to customer service. The representative asked for all of the card details and advised the card would become active within XXXX hours. Immediately after hanging up the phone, there was an unauthorized charge of {$1100.00} on the card to XXXX XXXX. i called the number back and spoke with XXXX XXXX who took down my info and opened a claim, he also locked the card. American express wont offer any solutions. 

XXXX. Called ( XXXX ) XXXX. It has you put in your card number and code, then says to call ( XXXX ) XXXX. 
XXXX. Called ( XXXX ) XXXX ( Found online ). They have you put in your card number and code, then they say it's not authorized and transfer you to someone who says they don't handle American Express. I asked who they do handle, and she wouldn't reply and some guy was behind her with a script thatI needed to call ( XXXX ) XXXX. She asked for the card number which I refused since I already input it. I told her that she already has that, which she denied. She wouldnot tell me who they handle and what their affiliation with American Express was. I hung up. 
XXXX. Called ( XXXX ) XXXX - spoke w/ XXXX XXXX XXXX They've locked the card and put a hold on the pending transaction. The trnansaction has not cleared yet. - CLAIM # XXXX XX/XX/XXXX filed a complaint with XXXX  Complaint ID : XXXX XX/XX/XXXX filed a complaint with FTC Report Number XXXX XX/XX/XXXX called XXXX spoke to representative ( didnt get name ) who said the case is being investigated and will be resolved in XXXX days. I asked to speak to a supervisor and they said no they could not transfer me and i asked why and they repeated that they could not, so i asked why again and they said they were transferring and put me on hold over XXXX hour. 
Called back and spoke with XXXX who confirmed the same details of XXXX days. i asked to be transferred to a supervisor, put on hold over XXXX hour
Product: Credit reporting or other personal consumer reports

I have received mails from different financial organizations few weeks back which states that, a loan application was submitted on my behalf from Ray Skillman XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX of a XXXX XXXX XXXX. I like to mention that, I have never applied to get a XXXX XXXX XXXX as well as I have never approved my consent for a credit application. I have contacted all those financial organizations to dispute all those inquiries but they have advised me to contact the car dealership and the dealership should retract my application. I have contacted the car dealership and they have told me that they have not charged and/ or contracted me for anything, and when I have told them to dispute the hard inquiries, one of their managers have told me they have no idea how to do that and they have never heard of such inquiry dispute. However, the manager named XXXX XXXX has advised me if any financial organization and/ or credit reporting agency contacts him, then he will verify that I have not consented to the application and he is willing to verify that it was done mistakenly, he can be contacted at XXXX. 

The background of the event is : I saw a used XXXX XXXX XXXX in their website and I inquired about that. When I noticed and also, I was notified that it got sold, I instantly ( on XX/XX/XXXX ) told my handling sales repXXXX XXXX to pause my application as the car I was looking for got sold. Then she asked me if there would be any particular car I was looking to get, I replied saying I was looking for a XXXX XXXX and when she called me in my phone, I also advised here about my preference in terms of year of the car and my budget. Later she told me that her colleague would reach out to me if he found cars of my preference. Next day ( on XX/XX/XXXX ) another sales rep. XXXX reached out to me and advised I had been pre-approved for a XXXX XXXX XXXX and instantly I told XXXX that, the car was out of my preference and I had never asked for a newer car. That was the end of events. Then I started receiving mails from different financial organizations stating a loan application was submitted and either I was approved or I was denied or I was approved with conditions. 

As my credit report shows so many hard inquiries in XXXX moth, it impacts negatively on my financial goals and targets. As a result, I am being impacted on a personal level too. So, I am requesting to you to dispute those credit inquiries from my record. 
I am attaching my email threads with Ray Skillman as a proof as well as the finance manager at Ray Skillman named XXXX XXXX ( email : XXXX ) can verify that I did not consent for an application nor did I consent for hard inquiry. 

The only two financial organizations to which I have consented for a hard inquiry and loan applications are : XXXX  XXXX XXXX XXXX and XXXX XXXX. All others were applied without my consent.
Product: Credit reporting or other personal consumer reports

You are over 90 days past the legal time frame to fix the issue.

See attached Affidavit and Proof. Official documents with signed & notarized Affidavit has been sent via certified mail with tracking as of XX/XX/year>.
Product: Vehicle loan or lease

I purchased my vehicle in XX/XX/17. After it was totaled I pulled the contract and reviewed it. Line D - amount {$690.00} is the gap Contract and H - {$3300.00} is the XXXX Comp Contract which includes the gap insurance. I am charged for gap coverage twice. 
Additionally, I did not have the correct coverage for insurance. The lienholder did not ensure proper insurance coverage was on the vehicle. The car had gap coverage and I thought it had full coverage.
Product: Credit card or prepaid card

On XXXX, My creditor paid {$2600.00} as a balance transfer to Capital One that should not have been paid. On XXXX, I opened a credit card account with XXXX and made a balance transfer in the amount of {$2600.00} that was credited to Capital One. My Capital One account had a {$0.00} balance. XXXX charged me {$78.00}, in transfer fees. Capital One then credited {$2500.00} back to my credit card. They took {$39.00} for Interest charges. This was done fraudulent. I never made two transfers. Because of this, XXXX has charged me two transfer fees in the amount of {$150.00}. As well as, I asked Capital One to use the awards balance in the amount of {$31.00} that was on my account and credit it back to my account which may take 2-3 business days before it reflects into my account. Im an Identity theft victim and there was fraud involved on my account.
Product: Mortgage

We applied for a loan with New American. We were applying for best rates with a refinance. On XXXX with an application, but no loan agreement signed- New American Paid off my mortgage with XXXX XXXX. I was not aware they paid it off, as I had NOT finalized any paperwork because I was still gathering other quotes from other companies. My monthly XXXX XXXX payment was returned, when I called on XX/XX/2020-they told me I no longer had a mortgage with XXXX XXXX. I asked them who had paid it off-and they informed me that New American had paid it in full. I called New American and asked the Loan Officer why they paid it off-with NO SIGNED AGREEMENT-they did not have the best rates. They avoided my calls- and two days later said they were working to return the ACH payment. They did get it reversed, and now my payment/and auto pay were not on anymore with XXXX XXXX. I have always maintained a credit score of over 820. I later received check # XXXX dated XX/XX/20 amount of {$160.00} from New American. I repeatedly called to ask what this check was for- and if I should cash it. I deposited the check and it bounced. Yesterday, I received notice that my XXXX SCORE plummeted 166 points because of a letter my mortgage company sent stating my mortgage was paid in full/then they removed the letter and if adversely affected my score. I do need a mortgage within one year and my score is now much LOWER which will inadvertently my ability to receive a competitive mortgage rate. I am contacting them now-as they would NOT return my calls-nor answer my emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
15 U S C 1681 Section 602 A States I have the right to privacy.

15 U S C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U S C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.
Product: Checking or savings account

I visited Wells Fargo ATM on XXXX XXXX XXXX XXXX XXXX, CA on XX/XX/2023 to draw a {$1000.00}. The initial attempt was failed to draw the money due to an error. I received help from a local associate for withdrawal. After she did something on her tablet, I was able to draw {$1000.00}. On my account transaction history, I noticed two transactions of {$1000.00} and disputed it with the bank. But bank still says there are two transactions of {$1000.00} each which is not true. I requested camera/video evidence to confirm the action but denies the request by saying video evidence won't be used for such incidents.