23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX ACCOUNT # XXXX REPORTED 30 DAYS LATE, ON XX/XX/2022. 


In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) 1,200 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Thank you.
Product: Payday loan, title loan, or personal loan

I've been a customer of XXXX for a 1 year now. I had a total of refinance 's with XXXX  maybe 3 or 4, I paid off one loan completely through my Federal Government payroll every two weeks. 

They don't explain the high interest rates, they'll be charging you before you apply ahead of time for a loan. My last refinance was XX/XX/2021 the last balance update shows {XXXX}. 

Here 's my problem the last time XXXX updated all 3 of credit reporting agencies was XX/XX/2021, the balance shows {XXXX}, but on my account it shows {XXXX} as the refinance which was completed on XX/XX/2021. I'm confused how they operate. XXXX gets a total XXXX, that's biweekly from my Federal Government paycheck that's is {XXXX} biweekly. 

Truthly I feel the company isn't being honest with posting my correct balance. 

I requested an audit of my account they haven't provided it too me. I need to know if my balances are correct. They need to update all 3 of the credit Bureau agencies, with the correct updates. They skips months of updating the my credit reporting. 

That doesn't look good on XXXX. I feel like I can't trust them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past two weeks I have contacted : XXXX XXXX ( a Capitol One service ), Capitol One, and XXXX ( who provides the service information to Capitol One ).
This complaint concerns XXXX XXXX reporting, the failure of Capitol One to address the complaints, and XXXX for failing to provide the correct information in a timely and reasonable manner.
I have eight reported accounts : XXXX XXXX - balance is XXXX but record shows {$290.00} - INCORRECT XXXX XXXX - balance is XXXX but report shows {$8.00} - INCORRECT XXXX - account amount is incorrectly reported ( too high ) - INCORRECT XXXX ( XXXX ) - account amount incorrectly reported ( too high ) - INCORRECT Capitol One - two accounts with XXXX balance reported correctly XXXX - XXXX balance reported correctly Student loan account - XXXX student loan account balance off by several hundred dollars - INCORRECT Additionally I have 12 Alerts showing from an XXXX account which should not be reported as they are deleted accounts! XXXX provided the information dutifully and XXXX  fails to act on the deletion.
I am aware accounts may have a delayed reporting in the industry. I am aware of the date when each of my accounts report. I contacted each creditor to affirm when they reported account information. HOWEVER the incorrect totals have been consistently reported as incorrect, as noted above, for a number of months.
In another CFPB complaint I have addressed the payment history as incorrect. It should be 99 % instead of 89 %.
I believe this is may be a generalized problem as it appears to be a code issue. I could be wrong about this however. These problems began a few months back. None of the three businesses had an interest in notifying their IT folk about a possible glitch, or, it just might be a really sloppy service.
Product: Debt collection

I went to XXXX XXXX XXXX in XXXXXXXX XXXX for several months after being referred to them by another Chiropractor. Before going I confirmed they were in network with XXXX XXXX. The office is part of a medical network with XXXXXXXX XXXX that offers discounted rates to XXXX customers. After service was completed the office will not accept the discounted rates and are now trying to send me to collections for the full billing amount, and not the discounted rates Im entitled too. In addition to sending me to collections they have also placed a lien on my unsettled bodily injury claim for the full amount and not the discounted rates. This practice is deceiving and at the very most I should owe is the discounted progressive rates. Once I receive a correct invoice with how much I owe I can settle with them. This should be illegal as they are trying to seek more than they are owed from multiple different methods.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies these accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. USDOEXXXX XXXX {$48000.00} US DEP ED XXXX {$23000.00} US DEP ED XXXX {$2900.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX  XXXX {$3800.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00}
Product: Debt collection

A  XXXX  Scammer from   XXXX   mailed me a counterfeit check which I deposited into the Chase bank on   XXXX   XXXX   XXXX   in  XXXX , IL. Chase then closed this account and sent it to collections. I sent chase a check to pay this off recently to   XXXX   XXXX   and have offered them other methods to pay off the debt and bring an account with my name on it into the positive and they refuse to. Why is everyone giving me a hard time? Either by scamming me or not accepting my forms of payment? Why dont the scams in our media i.e. ( internet, mail, tv, and e-mail etc.. stop? ) I do n't want to harass Chase bank I want to have legit money because what can you do in this world with no money? Right?
Product: Checking or savings account

It was impossible to keep my account balanced. Some day would be 3 days behind and some would be right away. Sometimes would show transaction but not deducted it from the available balance. There was never the correct amount that it was suppose to be. It was a joke that on Tuesdays dont check the account because it is never correct. We closed our account because this would alway happen and we would get over draft charges. We paid countless fees over the time we had Wells Fargo, so much we dont even know how much was accumulated. At branch tried to recover overdraft fees with no resolution so we chose to close our accounts and take our business elsewhere
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  is showing a late pay for 30 days and 60 days, for a vehicle i never had, and this account is not mine, im wanting to purchase some things and its hurting my chances, thanks in advance im requesting that this account be removed immediately. Its not mine, I am a victim of identity theft, I didn't sign for anything, I didn't purchase anything, I need it removed effective immediately, according to the the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a report with the XXXX  and the company responded that they cant find an account with my information provided. Which included my name and address so once again.. In accordance with the Fair Credit Reporting act Creditors Bureau Associates, Transunion and 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: Checking or savings account

Wells Fargo has continued to email me various Wells Fargo advertisements since XXXX, when Wells Fargo decided to close my checking account. For a long time, Wells Fargo emailed me advertising for multiple products, and I felt that this was going too far. What I don't understand is that my bank account has been closed for weeks, why is Wells Fargo still sending me multiple ads? Wells Fargo forced me into expensive financial products that I didn't need or even wanted. Wells Fargo 's behavior bothers me a lot. I hope that the relevant authorities can effectively monitor the business of Wells Fargo and no longer cause trouble to customers.
Product: Debt or credit management

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX hospital said there was nothing they could do. The doctor would not discharge me unless I let him give me XXXX to wrap the fingers. I could have wrapped them top myself. I was there for about an hour. I had insurance and they paid over XXXX and I had to pay out of pocket XXXX and then they still sent me another bill of XXXX. They forced me to take the XXXX shots so they could say they actually did something. Totally unprofessional! They would NOT let me pay a small monthly payment and insisted I pay it all at once. Now another company bought that debt and it is on my credit score foe almost XXXX  years now. The new company never provided any service to me. The governor of XXXX  just passed a bill paying hospital debts for people like me. I want to go to court over this or have it removed.
Product: Credit card or prepaid card

I have had a XXXXXXXX XXXX XXXX ( XXXX XXXX  ) for years, apparently it was bought out by Wells Fargo, so in XXXX ( XXXX ) I received a Wells Fargo Card and I saw that it said " XXXX XXXX '' so I assumed that they took over the account but I was never notified. There is only a couple of things that auto bill to that card and it is paid off every month, auto pay. Apparently that did not carry over, and today I got three letters. My first bill, a default letter, and an immediate payment letter. How about a phone call, an email, a letter welcoming me to wells fargo. Nothing, zero, zilch zip. I told the person on the phone what was going on and they did not offer any help, they just said they would notate the account. This is ridiculous that they can do this and now they can lower my credit even thought I didn't do anything wrong. Totally ridiculous. I plan to pay the card off on Friday and close the account but I want them to wipe off any bade credit rating they have given me.
Product: Mortgage

I 've been in foreclosure process with Wells Fargo for 3 years. During that time I submitted all necessary information to them via XXXX, Mail. Registered Mail, Fax and email. The process of loan modification was long but I was eager to keep the house. During that time I 've provided Wells Fargo with all they required numerous times. We went through the process with a Referee in the court, we got to making trial payments and then the process stopped with no response from the bank. There were numerous calls, I was in touch with all the departments, including Customer Retention Dept., Loss Mitigation Dept., Property Preservation Dept., President 's Office and others. During that time I was in a hospital for 4 months and the property was sold to XXXX. Eventually I was evicted from the house in 2015. 
Despite all the attempts made by me during that period of time, it was me who was pursuing Wells Fargo and not the other way around. Their procedures and practices were so confusing, my attempts were constantly neglected, it was impossible to talk to anyone. No one returned the calls. The names of representatives ( advisors, professionals ) changed. I did everything that was asked of me. At that time I 've lost my business and income. I followed every protocol and requirement in effort to keep the property. I received conflicted answer from all their departments. Since then my marriage did not survive XXXX and we divorced.
Product: Credit card or prepaid card

CapitalOne credit card provides an extended warranty that doubles the original manufacturer warranty up to a maximum of twelve ( 12 ) months on most items you purchase. For products with multiple warranty components, each warranty time period will be extended up to a maximum of twelve ( 12 ) months. Should you fail to properly register the original warranty as required by manufacturer, we will only double the actual warranty time period that you received from the manufacturer. An example of a product with multiple warranty components includes an appliance with original manufacturers ( or U.S. store brand ) warranties that differ for parts, labor, compressor, etc. If you do not have an additional service contract or an optional extended warranty, this Extended Warranty benefit commences the day after your original manufacturers ( or U.S. store brand ) warranty expires.

Coverage limitations : The maximum Extended Warranty benefit for repair or replacement shall not exceed the actual amount charged on your MasterCard card or {$10000.00}, whichever is less. 
en I called Capitol One XX/XX/2018. and attempted to redeem the extended warranty coverage it did not appear to be a problem since the warranty doubles the original time of the purchase. CapitalOne has failed or refused to honor the extended warranty which is unfair, deceptive, and abusive practices.I ask the CFPB to take action against this companies that break the law and disregards its own policies.
Product: Checking or savings account

XXXX XXXX, 2023, XXXX XXXX  from my ACH to open the account. 
Amount : {$25.00} to open an account as a first deposit- they lied about it not receiving it. 

I filed a claim like they told me and they rejected my claim saying they never received my money. If they didn't I would haven't been able to open an account with them. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --- Opened an account online they took my XXXX dollar deposit and lied about receiving it. I wouldn't be able to open the account without having to give them XXXX dollars. 

They still have it and never deposited it into my new account. They told me to make a claim and they said they couldn't find my money and were not going to fund my account!
Product: Bank account or service

I had an account for an IRA with a company. The company said they showed no record. I lost probably eight thousand dollars plus interest.
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am contacting you because I have found some information that is inaccurate on my credit report. You are reporting a late payments on XX/XX/year> and XX/XX/year> on the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not true, I was not late on ( Month, Year ), I request that you verify the Information and update the payment history on this account as " PAID, NEVER LATE '' immediately.

After doing so please provide me with an updated credit report reflecting the changes.
Product: Credit reporting or other personal consumer reports

EQUIFAX is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries and I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate Information must be removed. These inquires has caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. REMOVE NOW 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: Student loan

Due to my mother passing away on XX/XX/XXXX, and my maternal grandmother passing away on XX/XX/XXXX, I ran into financial difficulty and my private student loans that I was paying on became in default status. My mother and grandmother 's estates are being handled but I am paying out-of-pocket for some costs of both estates until things are finalized with the public administrator. I was not aware that my private student loans were in default status until I was contacted by phone in XX/XX/XXXX from the debit collection company Weltman , Weinberg & Reis Co., LPA to persuade me in getting my {$16000.00} private student loan paid off. The rep tried to help me by stating options of getting a loan from my credit union, insurance companies and any other means of paying off this loan amount. To no avail, I did not have the above amount nor could I borrow this amount of money and pay back. Several days after on Monday, XX/XX/XXXX, I had a phone interview with Ms. XXXX, certified loan officer with XXXX XXXX XXXX ( XXXX ) who stated according to the scanned copy of my private loan that I emailed that I have an option of forbearance that I can let the debit collection agency know about. Per XXXX 's advice, I also made an appointment on XX/XX/XXXX with a legal attorney, XXXX, who recommended that I send certified letters requesting a forbearance and the original contract and promissory note. The certified letters were sent on XX/XX/XXXX and on XX/XX/XXXX, I received the returned receipts signed by Ms. XXXX XXXX. Several weeks went by and I did not receive a response back regarding the forbearance. Towards the end of XXXX, I called the debit collection agency an spoke with the representative XXXX and after a round and round discussion, I finally received a point blank answer of " no ''. They did not receive the certified letter regarding the forbearance. After much frustration with this debit collection agency, I reached out again to the legal aid attorney Ms. XXXX who recommended a file a complaint. On XX/XX/XXXX the debit collection agency sent me ( 2 ) settlement letters stating they could offer me a 70 % settlement on my account. I would need to pay {$5700.00} for one loan and {$5900.00} both amounts would be due by XX/XX/XXXX. If I am requesting a forbearance for the private loans what makes this company think I could pay a 70 % settlement? Isn't that the reason why I would request a forbearance in the first place? Because I am having financial difficulty. Unbelievable. Please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. The accounts are reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. Please update or remove the late payments from these accounts. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wyoming XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX. I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Product: Money transfer, virtual currency, or money service

he texted me on XXXX a XXXX merchant platform and asked to buy XXXX worth {$500.00} which I did sell to him I then told him to send the money through PayPal which was the medium of exchange for the transaction which he did this was on the XXXX of XX/XX/2023 by XXXX I got the money few days after the transaction I got an email from PayPal saying the transaction was tagged as an unauthorized transaction and has been refunded. back to the buyer there was no investigation or nothing
Product: Mortgage

Account : Planet Home Lending ( PHL ) This account is currently reporting inaccurately : I had a forbearance agreement plan with Planet Home Lending, and this information is listed on my monthly statements. 

Please investigate provide proof with statements showing that these payments were late. If proof cant be provided with 30 days, I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late.
Product: Money transfer, virtual currency, or money service

Theyve locked me out of my storage wallet that I own in my name and my funds sound not be used to satisfy secured creditors if bankruptcy comes. These are my personal funds and belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regard to my personal credit information being shared on my consumer report. Pursuant to federal law 15 U.S.C. 1681a and 1666b, there is certain information being shared on my consumer report that I would like to cease immediately. This includes transaction and payment history information that is explicitly excluded from being shared. 

As you may be aware, under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies ( CRAs ) are required to follow certain procedures in order to ensure the accuracy and fair reflection of the information in their reports. These procedures include but are not limited to, the requirement that the CRA must limit and remove any information that is exempt ( i.e. illegal ) from being shared as stated in their own laws. 

The accounts that are legally exempt from being shared are : XXXX XXXX - XXXXXXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXXXXXX I would like to request that you immediately take action to remove this credit information from my consumer report, as required by federal law. Additionally, I request that you take appropriate steps to ensure that this does not happen again in the future. 

I look forward to your prompt response and resolution of this matter. 

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

I try few times to correct my credit report I called Amazon credit card issuers many times. 
They charged off my credit card and closed my account without ever sending me a bill which was about $ XXXX {$40.00} for XX/XX/XXXX statement due to bankruptcy I didnt have any bankruptcy at all It was my old bankruptcy dated XX/XX/XXXX I did not have any bankruptcy since than They mistakenly took charged off Please have them remove charged off Thanks XXXX
Product: Bank account or service

While out of town for five days, I received in the XXXX mail a letter stating that XXXX XXXX accounts and XXXX regular savings accounts had been opened in my name. Additionally, I received a debit card and PIN ( in separate mailers ). Shortly thereafter I received XXXX letters from BofA telling my the accounts affiliated with my name had been reconsidered and closed. All these were waiting for me upon my return to town. 

I never applied for an account with BofA, not do I want one. I never applied for a debit card, not do I want one. 

I want some assurance that my credit ratings will not be impacted by these actions and that I am not affiliated with them in anyway whatsoever. 

The name and address used is : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX. 

I sent an email to the fraud department of BofA a couple days ago but have not heard from them as of now. If I do, I 'll ask their assurance - in writing - that these transactions were fraudulent and that I am in no way associated with them. 

Thank you. 
XXXX XXXX