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

I wanted to start building my credit because I am close to the age where I want to start making big purchases, I been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card, I had I paid for it and had the account closed. I decided to pull my credit and there is a couple of unknown items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft. XXXX XXXX XXXX {$400.00} XXXX   XXXX {$14000.00} XXXX  XXXX {$140.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX   XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$87.00} XXXX   XXXX {$90.00}
Product: Student loan

On XX/XX/XXXX, my private student loan with Sallie Mae Bank ( Loan Number : XXXX XXXX XXXX XXXX ) was approved for residency deferment because I am in XXXX XXXX with a program end date of XX/XX/XXXX, and I submitted a completed form by my program confirming the end date. The approval letter stated the loan is eligible for 60 months, but payment will resume once the program is completed. 

On XX/XX/XXXX, I received an email stating that the deferral ended on XX/XX/XXXX, months before my program 's end date. 

I made several efforts to speak with the provider to notify them of the program end date stated on the form I submitted, which was XX/XX/XXXX. Every time I called, there was a different customer service agent with no record or documentation of my prior call or complaint. 

I requested they look at the deferment form I submitted earlier to confirm the program end date, but there was no record of such a form, and eventually told by an agent to resubmit a new form. 
I could not resubmit a new deferment form in time because of my schedule and the nature of my duties, where I leave home early and return late, leaving me little or no time. 

I was required to make monthly payments of over {$1000.00}, which I couldn't afford, and the loan was reported delinquent, and my credit score decreased by over XXXX points. 

Their error and fragmentation in their system caused me significant financial hardship, which hurt my credit score, and above all, I was traumatized by the way and manner in which this issue lingered without a solution. 

I am writing because somebody has to speak up. I know many borrowers are in similar situations and at the mercy of powerful lenders or institutions like this. This has to stop ; no one should go through such a harrowing experience because of a student loan.
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under Southwest Credit Systems. I requested a validation on XX/XX/XXXX as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the accounts belong to me nor do I believe that the creditor has authorization to access the accounts nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
Product: Payday loan, title loan, personal loan, or advance loan

Got loan on XXXXthey didn't tell me that they charge interest every day
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, these incorrect address remain listed : These incorrect addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 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

Accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instructions.
Product: Credit reporting or other personal consumer reports

I am writing to express my utmost discontentment with the continued existence of fraudulent accounts on my credit report. Following the reporting of this identity theft, I contacted the company related with the fraudulent accounts. While they confirmed the validity of the report, they stated their inability to provide records. However, they assured me that the fraudulent accounts would be instantly abstracted. Both XXXX and XXXX have already removed these accounts from their records after distinguishing and rectifying an error. I am at a loss by your confirmation of these accounts when the other bureaus have already removed it. Please delete these accounts from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

Wells Fargo continues to defraud and discriminate against customers. On XX/XX/2024 I deposited {$290000.00} into my Wells Fargo savings account. I was told that I would get special promotion of {$2500.00} and also 4.5 % interest rate on my saving account. When I went to check back on XXXX XXXX I was still getting below 1 % on my saving account. The branch manager on XX/XX/XXXX said that he updated the system and made me sign some paperwork. It has been 2 months and my interest rate in saving account is still below 1 %. I filed another formal complaint with Wells Fargo 2 months ago and it is still not remediated. Wells Fargo complaint number XXXX. This is pretty insane : the amount fraud, discrimination, and deceitful behavior by Wells Fargo. Please help me. My phone XXXX XXXX
Product: Checking or savings account

I received a notification on Wednesday XX/XX/2023 that a direct deposit was available in my Wells Fargo checking account from my employer. Online banking showed the deposit and showed the funds available as late as XX/XX/2023. On XX/XX/2023 I received a notice that my account balance had dropped below {$0.00} and I had 24 hours to add funds to avoid overdraft fees. Upon checking my account online, I found that the deposit was not longer listed. I called Wells Fargo customer service and was advised of a system glitch and that my funds would be available soon. 

As of XXXX XXXX XXXX the deposit was listed as Pending but the funds were not available. At XXXX XXXX XXXX the deposit was once again not listed on my account. 

I visited a branch and was told their system shows the deposit as Pending but I still do not have access to the funds. 

As of this writing, online banking still does not show the deposit or show the funds available. 

I have an email and text message from XX/XX/2023 referencing the available deposit and screenshots from XX/XX/2023 showing the deposit pending at XXXX and missing at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the last few months ive reviewed my credit reports from all three major credit bearues and discovered multiple adverse/erroneous accounts on all three reports.ive disputed all accounts recently and the CRA 'S are some how verifying accounts in a matter of days. ( impossible ) The CRA 's are not properly doing a investigation in this matter.All of the errouneous/adverse accounts are missing information/incomplete/no payment history.Transunion, XXXX, XXXX, are in violation of the FCRA section 611 as well as section 609.Ive requested documentation on all accounts with no response, only saying its verified.Ive also contacted every creditor involved, and was told CRA 's have not communicated with them. ( wow ) I will continue to dispute until the accounts are removed from my credit files if not, I will take other action pertaining to these issues.I demand the following accounts be removed : transunion-account resolution ( closed ) $ XXXX/XXXX XXXX XXXX  XXXX/XXXX XXXX $ XXXX.XXXX-account resolution $ XXXX/XXXX XXXX XXXX $ XXXX.XXXX-XXXX XXXX XXXX  $ XXXX/XXXX XXXX XXXX- $ XXXX/XXXX XXXX XXXX/XXXX- {$560.00} .
Product: Credit card or prepaid card

I got Target credit card balance in the mail which I didn't apply for. 

I called Target this is a fraud. 

XX/XX/, the balance is {$950.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Per my last dispute TransUnion stated that they would remove the inquiries that were pulled without my knowledge, however when I checked my credit report they 're still XXXX inquiries that were supposed to be removed that was n't. Please look at the company 's response for this complaint # XXXX. 

1. XXXX-XX/XX/XXXX XXXX AUTO- XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

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

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

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX, {$300.00} A close account can not be state a past due XXXX  XXXX, {$180.00} Account # XXXX A close account can not be state as past due XXXX XXXX XXXX {$1400.00} Account # : XXXX A close account can not be state a past due XXXX, {$380.00} Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters since XXXX last year and they have completely ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone way past the 30 day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account XXXX XXXX Please resolve this manner as soon as possible thank you
Product: Credit card or prepaid card

Capital One decreased my credit limit without warning. I have been a long-time, perfect customer to Capital One. I have my checking account, savings account & 2 credit cards with them. I never pay late. My credit score is important to me. This sudden decrease because I wasnt using  my full credit limit will impact my credit. Also, having a credit card for emergency use during an international pandemic provides peace of mind. Instead of rewarding customer loyalty and on-time payments, they cut my credit line by 75 % on one of my cards. I was always the first person to rant & rave about Capital One, not anymore! Im shocked and disgusted by their action during a time of crisis. Absolutely heartless.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my dispute letter, I specifically requested proof of the VALIDATION of the debt under the Fair Debt Collections Act. I asked for the company to include documentation. The company corrected payment information, however, did not provide proof.
Product: Credit reporting or other personal consumer reports

The balance on my account hasnt been correct for two months now. They came and repossessed my motorcycle that was used as collateral for this loan and they havent updated the balance since taking possession of the vehicle. Ive been working with XXXX XXXX to settle this account. As of now its like their double dipping by trying to collect money that should have been taken off as a result of the repossession.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 USC 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 60 days 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.

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 8
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in violation and I am pursuing monetary compensation per violation. 
( Please see attachment )
Product: Mortgage

XXXX XXXX XXXX XXXX in XXXX XXXX, Ca., Rushmore Loan Management Services in XXXX , Ca., XXXX XXXX , XXXX, and XXXX XXXX, XXXX  are trying to foreclose on my home in XXXX XXXX when none of the companies listed above is licensed to do business in the state of California.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments XXXX   XXXX account for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I requested a fraud alert be placed on my credit report/profile through Experian. I had found out my personal information has been compromised through the XXXXXXXX XXXX XXXX data breach and possibly other company data breaches. 

I successfully requested the fraud alert and when notified that the fraud alert had been placed on my report, I reviewed the message on the alert. The alert requested any potential credit issuers verify with me through a phone call before extending any credit. However, THE PHONE NUMBER WAS WRONG. Someone at Experian inputted the wrong phone number as it is off by 1 digit. This must have been a manual typo/mistake, because the correct phone number is referenced throughout the rest of my credit profile. The fraud alert had additional grammatical errors in it as well, but the fact that they had an incorrect phone number was the most concerning aspect. 

I was notified on the credit report that I could not request a change to the fraud alert online and that I had to call customer service. 

Well, the customer service phone number is manned by an automated attendant. The automated attendant would not recognize my request to change a fraud alert. It would only allow me to add/lift a freeze or add/remove a fraud alert. It would not allow me to reach a customer service representative. So, I had to WRITE A LETTER and send it via surface mail, quite possibly the most inefficient manner of communication in modern times, to fix a problem CREATED BY Experian. 

THEY SHOULD NOT BE ALLOWED TO BLOCK CUSTOMERS FROM REACHING A HUMAN BEING REPRESENTATIVE. Experian should be held accountable for its actions, especially concerning the extremely important and personal information to which it has access and controls. This is unacceptable and just ONE MORE example of how large companies have NO ACCOUNTABILITY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXX, I received a notice from the IRS stating that Citibank had filed a XXXX with them for the XXXX tax year and that I was potentially liable for almost {$3000.00} in additional taxes due to the XXXX write-off of {$12000.00}. I responded to the IRS stating that I did not believe I was liable for the amount. My husband and I filed a dispute with Citibank XX/XX/XXXX requesting a debt verification or a withdrawal of the XXXX by Citibank within 30 days. As of XXXX XXXX, XXXX we have only received a copy of the XXXX and no other documentation. Our own investigation shows that this debt was allegedly entered into while I was married to my previous husband and per Citibank was cancelled in XX/XX/XXXX. Further, when I divorced my ex-husband in XXXX, he became liable for our joint and individual debts per the divorce decree. I believe that the action taken by Citibank to file this XXXX over XXXX decades after the debt was cancelled is a potential violation of the Servicemembers Civil Relief Act, the Military Lending Act, and the Fair Debt Collection Practices Act due to the age of the account, the time between when the debt was cancelled and the filing of the XXXX, and the fact that as a military member and a military spouse, my and my husband 's due process rights have been violated by being made liable for a debt that we should not be. Moreover, because of the laws previously cited, our military service and the circumstances of the actions taken by Citibank, any terms in regard to fees, costs, or interest would have to be heavily modified due to the interest rates limits imposed on any loans or debts incurred before a servicemember or their spouse entered the military, in this case for me and my husband, XX/XX/XXXX. Citibank has not done this and does not appear to have attempted to verify military service as is required by XXXX law. Further, attempts to resolve this by my husband and I have been repeatedly stone-walled by Citibank, XXXX. By not providing the promissory note or credit application information ( debt verification ) as requested in early XXXX, XXXX. By refusing to deal with my husband as an aggrieved party and military member, citing protection of my personal information, even though they have saddled both of us with a HUGE tax debt for a credit card debt that is XXXX XXXX XXXX and should rightly be put against my ex-husband if against anyone based on the divorce decree, and have spoken to him before by telephone and provided him information. We also faxed an additional dispute on XXXX XX/XX/XXXX we Citibank is seemingly refusing to address since it came from my husband ( but included all the documents I've received at OUR home including my own original dispute ) despite the fact that Citibank should know that they are dealing with a married couple. These actions by Citibank are not fair or justifiable and their lack of prosecution ( waiting over 20 years to do this when the debt was cancelled in XXXX ) and stonewalling is making disputing this matter, as we have a right to, nearly impossible.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

My phone and wallet was stolen out of my car along with my social and DL They open a credit card through XXXX  XXXX Ive tried to close the account but they keep tryna tell me Im the one that opened The account which is not true very bad customer service XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested forbearance/payment deferral with Capital One in XXXX, 2020 due to COVID-19 and was approved for a 2 month deferral to XXXX, 2020. In XXXX, 2020 Capital One showed a 30 day late on my credit report which lowered my FICO score XXXX points. ( I had requested the same with 8 other credit card companies and was approved with all ). I, immediately contacted Capital One, by phone and letter, and they refused to remove the 30 day late. ( I have never been 30 days late on ANY of my credit cards XXXX. At this time I was in the process of refinancing my home. The FICO score lowering made me " NOT ELIGIBILE '' to complete the refinance loan. I have been with Capital One for 10 years and have never been late. Please Help.