23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a student loan that was issued my XXXX. This is a 3rd party collecting a debt that has no authorization to collect the debt. Student loans is a violation of the Family Education rights and Privacy Act ( FERPA ). Please update this account to paid as agreed.
Product: Vehicle loan or lease

I financed a vehicle back in XXXX of XXXX a XXXX XXXX XXXX XXXX, for {$46000.00} when I purchased the vehicle from XXXX XXXX XXXX the dealership presented us with the car fax and showed that the vehicle had no accidents, the car was in " perfect condition ''. They also preassured us to financed the vehicle with the banks they offered, BMO Harris Bank. Recently we tried to do a trading on the vehicle, with a different dealership they checked the car history and it present that the car has been in an accident in XXXX. We tried going back to the original dealership where we purchased the vehicle. They essentially sold us a vehicle for a lot more than what it was worth and covered up that the vehicle had been an accident. The dealership told us there's nothing they could do about it. We spoke to the dealership manager and asked if he would've sold the vehicle for a lot less knowing that it had been an accident, his answer was yes. He blamed it on XXXX and then he proceeded to dismiss us by mention that vehicle might off or might not had an accident but the car in fact had a sever accident in XXXX in Michigan, there's police report, on record of this vehicle.
Product: Credit card

In XXXX of XXXX I was notified by the fraud department of my XXXX XXXX card they had detected some weird activity on my account and did not think it was me, I verified it was not me making the charges, it was only {$47.00}. They immediately closed that card or account #. It is now XXXX/XXXX/XXXX and they still have not taken care of the charges they do however keep adding the late fees to my account and it 's not {$150.00} and I call them every month and get the run around saying they will take care of it and they have n't yet. But they turned me in for negative payment on my credit report, which they should not of done since this is under dispute. I have sent in my statement of Fraud twice, I am at a loss on what to do.
Product: Checking or savings account

On XX/XX/22 I had {$2600.00} in my joint Chase Sapphire checking account. On XX/XX/22 I made a mobile deposit in amount {$7600.00}. The check is from my wifes XXXX XXXX account which has sufficient funds. We make similar deposits to our joint Chase checking account several times per year so I can pay off credit card balances from and never before had a problem. 
Today ( XXXX ) received email notice from Chase that our checking account is overdrawn by {$4700.00} and that there is a 2 week hold on our {$7600.00} deposit. Also, our {$2600.00} has disappeared. 
We did issue any checks or make any withdrawals nor did we authorize any other persons to do so. 
We have been Chase customers for more than a decade. Thank The burdensome hold and removal of checking funds is causing monetary penalties on other financial obligations. 
This Chase banking practice of overly long deposit holds ( weeks ), false overdrafts and theft of our unencumbered prior balance of {$2600.00} is unfair, egregious and is being reported to CFPB, FTC, XXXX  and published to social media platforms. Please assist.
Product: Credit card

American Express has extra charges for purchases made overseas. I noticed this when I checked the pending amounts of my purchases and compared them to when they were posted. The posted amounts are always higher, regardless of the currency exchange rate. I have kept screenshots of the pending charges until they are posted ( I can attach them if needed ). 

Additionally, when I called the Amex hotline and submitted a dispute, I was told that the disputed amount would be on hold until a resolution. Throughout the process, I thought I had no balance due until I received an answer. Surprisingly, American Express charged me {$350.00} in interest, which they couldn't even explain how it was accrued. 

American Express is not being transparent about their foreign transaction fees, and these charges are undisclosed to consumers.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported inaccurate, negative information on my credit report to the big XXXX consumer reporting agencies ( XXXX, XXXX, and TransUnion ) for a debt that does not belong to me. The collection ( opened on XX/XX/year> for {$XXXX} ) purportedly involves a XXXX XXXX account. 

I called XXXX XXXX years ago when it first attempted to collect this debt. XXXX confirmed the account neither belonged to me nor did it have any record of an outstanding balance associated with my name. At the time, XXXX 's collector discontinued collection efforts and returned the account to XXXX. Additionally, XXXX confirmed that the account in question belongs to a consumer who has a Maryland address. I've never lived in Maryland. 

Please discontinue this collection attempt and remove the negative information to the the big XXXX consumer reporting agencies. 

For policymakers : Consumer reporting agencies have created a system that facilitates collectors ' Illegally parking of inaccurate information on consumers ' reports. It is, therefore, little wonder why the big three consumer reporting agencies have earned the reputation of being a " cartel '' and a " tool of coercion '' for companies ' illegal collection activity. Policymakers should treat consumer reporting agencies as utilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

The remaining balance on my student loans ( roughly XXXX in XXXX ) was XXXX in XXXX due to permanent XXXX. The Social Security Department indicated in the initial paperwork that my case was not subject to any three year reviews. 

That and other documents were submitted to NELNET/DEPT of ED in the initial application and have been resubmitted to them along with other documents several times since XX/XX/XXXX when I first learned that they and XXXX XXXX were reporting over six months of delinquency to the three bureaus. 

None of the agencies had ever sent me notice of any alleged debt. Nor had any of them ever sent any notice of required payment. When I questioned supervisors about this fact they claimed they didn't have any of my contact information. My contact information has been the same since XXXX when I was granted full discharge due to the severity of my XXXX. I have loads of old emails, mailed documents to prove that they did have all of my contact information. There is also no excuse for their failure to look at my credit report and/or public records to find my contact information if indeed they had any confusion. 

The XXXX staff at the Dept of Education told me it was clear that I had a XXXX   balance in XX/XX/XXXX. The agent advised me to resubmit a XXXX discharge application because of the bureaucracy involved in making corrections and my emergency situation which all parties have been made aware of. ( The situation which I've explained to all is that I'm facing homelessness as a direct result of the false reporting on my account. I've been turned down for every application that I've made for housing due to the inaccurate reporting. ) The gentleman at the agency also suggested that I file a request for a settlement agreement despite the fact that I have a XXXX balance. These applications were made months ago. 

I've had endless conversations with each party in efforts to resolve this matter. I've submitted and resubmitted all documents. I have still not received any bill or proper explanation of the alleged debt. In response to all of this effort, the agencies took one action. They closed accounts and recycled them into a new claim. 

I am on the verge of being homeless. This is criminal.
Product: Credit reporting or other personal consumer reports

This company obtained by credit report without my permission on XX/XX/year>. This is a violation of my identity and I would like the inquiry removed from my credit report.
Product: Checking or savings account

Wells Fargo bank always allows companies into my account even when I didnt authorized them to take no payments.
Product: Credit reporting or other personal consumer reports

Im disputing a few false items on my TransUnion credit report that seem incorrect. I would appreciate it if these accounts could be reviewed and deleted accordingly. Additionally, there are some inquiries that I did not authorize, and I would like those removed as well. The details are listed below : 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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$1300.00}, {$0.00}, {$1800.00}, {$1300.00}, {$0.00}, {$2700.00}, {$0.00}, {$22000.00}, {$19000.00}, {$0.00}, {$19000.00}, {$30000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

3. XXXX XX/XX/XXXX/XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4.XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

5. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

6. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XX/XX/XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 


-- PERSONAL ACCOUNTS 8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9.XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

10. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

11. XXXX XXXX XX/XX/XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 


-- COLLECTION ACCOUNT 13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account.
Product: Debt collection

I am writing to formally dispute the collection account listed on my credit report under the following details : Creditor Name : Midland Credit Management Account Number : XXXX & XXXX This account is being reported inaccurately, and its presence on my credit file is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically : 15 U.S.C. 1681 Section 602 states that I have the right to privacy regarding my consumer information.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666b outlines proper billing procedures, which I believe were not followed in this case.

This inaccurate reporting has negatively affected my credit score, and I am requesting that you remove this account from my credit file immediately. I have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter, as the government is currently taking legal action against XXXX for similar violations. 

If this account is not removed, I will have no choice but to pursue further action to protect my rights under federal law. Please provide written confirmation that you have deleted this account from my credit report. 

I expect a response within 15 days from the date of this letter. If you require additional information, please contact me immediately.
Product: Credit card or prepaid card

Hard to deal with US Bank. Have multiple issues. First, in XX/XX/2019 US Bank was running promotion promising {$15.00} credit for {$75.00} but never received. Contacted the bank rep who admitted they had problems with the offer and promised a resolution would be mailed to me. In few weeks I got letter explaining {$10.00} and some change was the bonus ( it was supposed to be {$15.00}??? ) and I thought it was a credit from a promo running BEFORE XXXX. 

Now, have applied for a new card on XX/XX/XXXX. Still waiting for the card in the mail. Meanwhile getting bombarded with email and calls daily asking to activate the card ... which I did not receive and when calling customer service they just revolving around " what your credit card # '' question. How would I know if I did not receive it? You should ask yourself why instead? It had been 2 weeks since ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX & XXXX  reflects whatever data the credit card company wants reflected for each individual. 

So I am filing a complaint against my credit card company to report missing active, good-standing revolving credit card accounts & it's entire history accurately to all 3 credit bureaus. 

Per XXXX  & XXXX  - Capital One is suppressing these revolving accounts from being reflecting on all my credit reports. However, these credit cards are open, with active balances and I have never made a late payment at any time. 

I have 2 revolving cc accounts that are missing from 2 or more of the credit burueaus. 

Capital One Visa ending : XXXX Capital One Mastercard ending : XXXX
Product: Vehicle loan or lease

XX/XX/2023 - The original problem began on XX/XX/2023 when a payment was made but was not posted for 11 days overdrawing my account. I repeatedly tried to make payments, which resulted in returned payments. Then I changed my payment source. The first payment was accepted. In trying to bring my account up-to-date, I made payments from the new account in the amount of {$1400.00} which were posted, but then mysteriously disappeared. These funds were not returned to my account, making me unable to make certified payments that they now require which notification came after the payments were made. Posting payments 9 - 11 days after the payment is submitted is unacceptable. Notification of requiring certified payments after receiving payments are unacceptable. Hanging up on someone who is desperately trying to bring an account up to date is unacceptable. Hanging up on someone who is trying to make advance payments is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish and account without my written instructions.

15 USC 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.
Product: Debt collection

I reached out to this debtor from a debt that was incurred back in XXXX of 2011. The operator was very kind, I spoke to someone named XXXX. The balance that was showing up was {$100.00} on all XXXX credit bureaus. Maya informed me that due to daily interest accrual on the account the balance was now at {$140.00}. She was not able to give me the original debt amount prior to their addition of daily interest and fees. This is almost a 50 % increase from what shows on my credit bureau, not to mention that I really do n't even know what the original debt amount was at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am ( 60 )  days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Mortgage

We have a mortgage with Wells Fargo and have been impacted by the flood of 2016 in Louisiana. Wells Fargo is showing favoritism to customers by denying full release of checks to us while fully releasing checks to others ( who we understand have family employed with Wells Fargo. ) Our settlement check is for {$230000.00}. The other person 's check is for approximately {$200000.00}. According to a letter dated XXXX XXXX, 2016 from Wells Fargo we were declined the release of this check due to the amount. " On XXXX XXXX, 2016, another customer of XXXX XXXX, LA was notified of a full release of their check and was given funds from the local bank. They also received a certified letter from Wells Fargo in early XXXX prior to Wells Fargo receiving their Proof of Loss statement notifying them that they would be able to have their check fully released to them. On XXXX XXXX I contacted Wells Fargo and spoke to XXXX XXXX in the Property Loss Department and asked what was the criteria to have my check fully released. He stated that it was based on the amount of the check. I explained to him that a customer received a letter notifying them that their check would be released and this was sent without Wells Fargo knowing the amount of settlement. He then sent my call to XXXX who is on the Resolution team. I asked the same question and was told that it was not based on credit, standing, loan to value or any other criteria but simply based on the amount of check. Checks at $ XXXX would be released. He stated that if someone received that letter without knowing the amount of claim, " then that letter must have been sent out by mistake. '' At this point, I requested that my check be released to me in full stating that we our outstanding customers, never in default, professionals, willing to provide past 2 years tax returns, great credit scores and that we had a vested interest with substantial equity in the property and were not a high risk. We were declined. We have been continuing to make repairs to our home. Wells Fargo has completed an inspection on the property and determined to be at 50 % completion and this is without using the settlement check that I still hold in my possession. We are no different than the other customer other than we do not have a family member working for Wells Fargo and we have completed 50 % of the work while the other customer has done 0 % to rebuild their property. How is it possible that consumers can be treated differently as such? We can provide names and documents to substantiate our claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, this is XXXX XXXX I want to submit this complaint because I have sent three rounds of dispute letters to XXXX. One for the illegal collection fees on the account. And two asking for the original contracts of the supposed account. Three, asking for method of verification. After all this accounts remain with no method of verification and illegaly reinsertion of collection agency once already removed from credit report.
Product: Debt collection

Oxygen XL representative called me today, XX/XX/year>, asking for XXXX XXXX, my sister. It was difficult to understand the caller, the caller is not from USA. When I was finally able to understand him, he said it was a personal matter regarding debt and he needed to confirm information. At that point, I told him to cease and desist from calling and that I would be reporting them to all agencies that handle Debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score with XXXX decreased by XXXX points in a matter of a month and nothing about my credit profile and spending habits changed. I am not late on any payments, I am not over charged on any credit accounts, and I pay all of my credit bills on time. I applied for a business credit card thru Regions Bank, and after they ran a hard inquiry, I was docked XXXX points.
Product: Credit card

I disputed a charge made at a XXXX supermarket using my debit card. I submitted the dispute the very next day. I visited the XXXX supermarket and discovered that a young lady, I didnt know, used her phone to make the purchase. Wells Fargo just sent me a letter saying that the transaction was authorized. There is no way that Wells Fargo could have reached out to XXXX and made that decision.
Product: Debt collection

The issue I was not notified in writing of this debt dated XXXX/XXXX/2013 until I reviewed my credit report and sent notice of dispute to XXXX XXXX XXXX XXXX. I made several attempts to call, spoke with XXXX and XXXX whom kept hanging up on me while asking to speak with a supervisor. They kept saying to submit a request in writing which I had and they saw it in their system. I called back and finally spoke with XXXX the ( supervisor ) whom also stated I needed to submit again in writing my request. I mention to her i did and she kept aying submit in writing and then hung up.