23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I took out a private student loan in XXXX that was rolled up into the National Collegiate Student Loan Trust XXXX XXXX When I couldn't pay it, and it defaulted and was sold to a debt collector. After a few months it was sold to another one, and a few months after that another one. In XXXX, my mother received a letter from XXXX XXXX XXXX, XXXX to collect on the debt. I hired a lawyer, we settled with them for half, making monthly payments until it was paid off. Which it would've been paid off XX/XX/XXXX. During my time paying it off, I haven't received a single statement, even though I have asked for one more than once. I called to discuss a late payment, I was told the account was taken back by National Collegiate Trust last month. My mother nor I have received a single letter from either XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX regarding this. I know there was a lawsuit against XXXX XXXX back in XXXX, but this was before I settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 FORTIVA CREDIT CARD IS SHOWING A LATE PAYMENT ON MY CREDIT REPORT, SPOKE WITH REP AND HE IS SAYING THAT HE DOES NOT SEE IT THIS IS NOW REPORTING ON ALL 3 OF MY CREDIT REPORT I WAS NEVER LATE IN XXXX
Product: Credit card or prepaid card

BARCLAYSBK is reporting incorrect information to XXXX ; XXXX and XXXX a charge-off for partial account number - XXXX. This account as been paid and the correct reporting should reflect a {$0.00} balance and {$0.00} past due. ( Please see pages 4 and 5 of the attached credit report. ) This incorrect reporting on my credit report is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an identity theft account with Transunion that is verified as accurate on XXXX XXXX, however the information on my credit report is incorrect. I am entitled to see the source of the information, which is the original contract that contains my signature, Payoff Disclosure, Interest rate Disclosure, Balance History, Payment History and Credit Insurance Disclosure and Transunion has not been unable to verify the account with the original contract and Disclosures, which is a FCRA violation since the information should've been removed from my credit report within XXXX  days due to the inaccruacies.
Product: Money transfer, virtual currency, or money service

I attempted to withdraw my funds from Coinbase of {$320.00} and after 10 days they have not submitted the funds to my bank account nor are they available to speak to. The only responses I have gotten from them are via email where they claim " we are looking into it ''. Apparently Coinbase has done this to thousands of people now. How are they allowed to continue operating?
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting late payments to the credit bureau that when I was not late. Then refusing to update the records.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to me mailing multiple letters off for experian and XXXX to remove these items which have been removed from my XXXX. Please be aware that automated responses or e-OSCAR verifications are unacceptable for addressing this matter. A detailed DELETION and explicit disclosure of your verification method are required as per the statutory guidelines. 
This communication serves as my final goodwill attempt to rectify this matter amicably. The disputed item is not only inaccurate but also incomplete and represents a significant error in your reporting. I am maintaining a detailed record of all communications for this issue, to be used for filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office. 
Please note that failure to satisfactorily resolve this matter within 30 days of receiving this certified letter may prompt me to initiate a small claims action against your company, seeking {$1000.00} per violation for : Defamation Negligent Enablement of Identity Fraud Violations of the Fair Credit Renorting Act
Product: Credit card or prepaid card

Wells Fargo Platinum Business Card will not allow auto payment to be setup when a payment is overdue. This prevents consumers from setting up auto payment, unless done prior to the first payment that may be late.

Wells Fargo does this intentionally, or at it's benefit of penalty interest and fees, to consumers.

Wells Fargo should allow auto payment to be setup at whether the account is past due..in order to prevent it from becoming past due.

In my situation, the first payment was received late due to the first statement not arriving in time. At no point in the next three late statements was I able to setup autopayment online after I found out ( due to Wells Fargo extremely slow mail ) it was late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. N/A Equifax : XXXX, N/A Equifax : XXXX, XXXX XXXX XXXX XXXX XXXX Equifax : XXXX, XXXX  : XXXX, XXXX  : XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX Equifax : XXXX, XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX   : XXXX, XXXX XXXX. XXXX XXXX Equifax : XXXX, XXXX  : XXXX XXXX : XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   Equifax : XXXX XXXX : XXXX XXXX  : XXXX.
Product: Debt collection

This complaint is against the company "   Bonneville Collections ''.
They are currently reporting two u  npaid debts on my credit report totaling {$490.00} but I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit report.     The first account has an account number of  XXXX  and a balance of {$290.00}. The second account has an account number of  XXXX  and a balance of {$200.00}. They were both reportedly opened in  XXXX    XXXX  .     I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to you because I recently tried contacting all 3 credit bureaus and had the most difficult time in doing so. I spoke to 1 person on the phone from XXXX and he was very disrespectful. I kept explaining to him there's fraud on my account and he kept asking me the same questions over and over and not comprehending what I was saying. He also told me to send in my report which I did and still no change or anything. This Is very alarming what's going on, because this means criminals can just go around and steal innocent peoples information and identity and nothing is being done about it. I will have to get a lawyer and sue all 3 companies if this is not resolved immediately. This is also making me believe some of these companies can be involved with he fraud and now don't want to make it right. I would like my report to be taken seriously and have them remove these fraudulent accounts off my credit report. Please update me with a solution to this problem because next I have to contact the XXXX and Attorney General to look into this matter and seek compensation, cause this is not right on so much levels. Thank you for your time and I hope this can be wrapped up quickly.
Product: Consumer Loan

On XXXX XXXX, 2015 I purchased a XXXX BMW 528i from XXXX BMW of XXXX through their " Owner 's Choice '' finance program. Before visiting the dealership, I researched the lease specials available and intended on leasing a vehicle ; in fact, until I spoke with the Finance Manager, all payment terms discussed with the sales representative and sales manager were, as I understood, lease payments. After we came to what I felt was a satisfactory payment amount, I was sat with the finance manager who explained the " Owner 's Choice '' program to me. He explained that the differences between " owner 's Choice '' and leasing were : -The vehicle would be titled in my name, allowing me to reap tax savings should I trade the vehicle in-Instead of a residual, there would be a balloon payment at the end of my 36 month termI work in Consumer Banking Compliance and specialize in Consumer Lending, so I had a solid understanding of everything that was explained and decided to move forward. I elected to go with a XXXX mile per year lease as I was under the impression that I would be able to purchase miles during the term of the loan at a discounted rate ( I believe {$0.00} per mile as opposed to {$0.00} is what BMW charges lease customers ). 
I contacted BMW Finance and attempted to purchase additional miles and was informed that I could not do so with the " Owner 's Choice '' program ; the rep stated this option was only available for lease clients. I feel that this is unfair : the " Owner 's Choice '' program is something unique to BMW, and consumers have no reasonable means of understanding the nuances of the program other than through the dealership staff and loan documents. I reviewed the loan documents thoroughly and it does not state that customers can not buy additional miles before the end of the term at a discounted rate, as you can do with a lease. Had I known this at the time of origination, I would have chosen XXXX miles per year. I feel this is a UDAAP, and I can only imagine how many other consumers have been blind sided by the failure of disclosure by BMW. Most consumers are not nearly as familiar with the complexities of consumer lending as I am, and I feel that at a minimum this major difference needs to be both explained to the consumer at origination and documented. Being able to purchase miles during the term of a lease adds a great deal of flexibility to the lease transaction, and that flexibility has been taken away from me by BMW and I will suffer financially as a result.
Product: Credit reporting or other personal consumer reports

Aspire IS A NEGATIVE ACCOUNT REPORTED ON MY CREDOT REPORT HAVE DISPUTED SEVERAL TIMES STILL NOT REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN REFUSES TO REMOVE A BANKRUPTCY OFF MY CREDIT REPORT OR GIVE ME THE PROOF OF WHO FURNISHED THEM WITH INFORMATION.EXPERIAN SAID THEY GOT IT FROM THE COURT HOUSE, WHEN I GOT A LETTER FROM THE COURT HOUSE SAYING THIS IS FALSE, THEY THEY INSISTED THEY GOT THIS INFORMATION FROM XXXX XXXX. I HAVE SINCE GOTTEN MY COMSUMER CREDIT REPORT FROM XXXX XXXX AND NO SUCH PUBLIC RECORD EXSIST ON MY CREDIT REPORT. I DEMAND THAT THIS BE REMOVED SINCE THEY HAVE NO VALID PROOF THIS IS IN FACT MY BANKRUPTCY. XXXX  AND XXXX  HAVE DELETED THIS BANKRUPTCY BECAUSE THEY WERE UNABLE TO VERIFY THIS INFORMATION.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the second attempt to correct the late open account associated with my account. As a valued customer, I expect timely and efficient resolution of any issues, especially those concerning financial matters. 

I first brought to your attention the discrepancies in my open account. Despite assurances that the matter would be promptly addressed, the issue persisted, leading to further inconvenience and frustration on my part. 

While I appreciate the efforts made by your team to rectify the situation, the fact that a second attempt was necessary raises concerns regarding the effectiveness of your internal processes and systems. It is imperative that such errors are not only corrected promptly but also prevented from recurring in the future. 

I urge you to conduct a thorough review of your procedures to identify the root cause of this discrepancies and implement appropriate measures to prevent similar occurrences. Additionally, I request compensation for the inconvenience and any adverse effects this situation may have had on my account. 

I trust that you will treat this matter with the urgency and seriousness it deserves and provide me with a satisfactory resolution at the earliest convenience. I am asking for your assisstance to correct this account in my credit file : XXXX XXXX  XXXX Balance : {$22000.00}.
Product: Money transfer, virtual currency, or money service

They're closing my account for no reason XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, my husband and I contacted Prestige Financial Services to ask them why they were reporting our auto loan account as closed to one bureau, 8 times late to another bureau and 10 times late to the other bureau. We also asked them to correct the inconsistencies. We further asked them to at least remove the late for XXXX and XXXX of XX/XX/XXXX as per the Cares Act. They said they would look into it, acknowledged the errors and said it would be fixed. 

A few weeks later we were denied a home loan when our lender pulled our credit and saw these same errors on our Prestige Account. Again, we called Prestige and asked them to correct the reporting and they told us " NO. '' They said they did not have to correct any of it. 
We reapplied for a home loan in XXXX-errors still on credit report. We have sent letters to Prestige requesting that they correct the reporting, and received no response. 
We have emailed and called numerous times and they refuse to correct. 
We called the U.S. Supervisors of each of the three credit reporting bureaus and they have all told my husband and I that Prestige is giving them the info that they are reporting and that as such, they can not fix it even if we give them our records. 
We old Prestige that we have confirmation from the credit bureaus that they are in fact reporting this inconsistent and inaccurate information. Prestige acknowledged that they are giving the bureaus the information and are still unwilling to correct. 
We have explained that this inaccurate information is causing us to be unable to secure a home loan, subsequently putting us in danger of homelessness and they refuse even though their own website shows that we made the payments ( triple payments last XXXX ), and they are not charging late fees for any alleged lates-yet still refuse to pull off the lates even though according to the Cares Act-they can pull off the lates. We proved that we didn't pay late those months and still they refuse to fix it.
Product: Money transfer, virtual currency, or money service

Cashapp issued fradulent 1099k form with my name, address, and social security number. The 1099k form included a total of {$5100.00} in charged
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account five times and nothing has been done. I have sent in proof to identify its myself making the request. I have requested a fell file disclosure and have not received one.
Product: Credit card

XXXX XXXX provide XXXX account. The bank offered a privacy opt out option to call toll free XXXX. However, when I called the number there is no single option to allow me to request " opt out '' from marketing out reach.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681c-2, this is my statement that the listed account has been reported without my consent and therefore is a result of identity theft and must be removed. This account is not related to any transactions made by me the consumer. I clearly never gave this agency written authorization or written instructions to report this information, This agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

A computer glitch that was TransUnion 's problem - not mine - caused two inquiries to be deleted from my credit report. 

TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to the inquiries being added back to my report. 

I called TransUnion in good faith today ( speaking with XXXX ) and asked them to delete the items that were illegally re-added. He informed me there were never any glitches at Transunion and that the inquiries are valid. These inquiries are an added hardship to me, as I am diligently attempting to ensure that my credit report stays clean and accurate. I feel that I have been victimized that that my simple request to remove the inquires should have been honored. 

I am now asking that you assist in getting TransUnion to remove all inquiries from my credit report as a violation did take place when they were re-added.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account number : XXXX Account Name : XXXX  Account number : XXXX
Product: Credit reporting or other personal consumer reports

I ask for proof of debt also XXXX form no response and none of these accounts have been removed aster being disputed It has been XXXX  days or more since this ask been asked
Product: Checking or savings account

When I check my account last month. I only owe {$74.00} balance negatives and I check this week. I check again its from {$74.00} to {$190.00}. Negatives they charged me another fee. Five day negative fee of {$30.00}. Then next they charged me 4 {$34.00} fee. The XXXX XXXX  and XXXX XXXX. I called both bank. XXXX said that I didnt owe them anything. No return check. Also XXXX  said that its was return fee. So did stop them from send check thought, I sign up to have check paid and debit card paid. They rather keep charging me fee. Rather just pay the one card. So would owe them over 4 fee. So that when ask can I closed the account. I was told no until the money is. This bank should be closed bank of fee.
Product: Credit reporting or other personal consumer reports

I need this to be removed as it affects me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I received an email from MOHELA XXXX Higher Education Loan Authority saying they would deduct an unspecified amount of money from my bank. I never applied for a loan from this MOHELA and Im scared. Im an XXXX XXXX XXXX XXXX XXXX XXXX on an XXXX reservation. Please help me! Ive never been to Missouri!
Product: Checking or savings account

I have been trying to get an account with XXXX XXXX for over XXXX  years and they continue to deny me without giving me a proper reason. I am asking for an investigation as to why?
Product: Money transfer, virtual currency, or money service

Multiple time I was charged a fee that I did. It approve, I could not get through with someone through cash app and nor did I ever get my issue resolved or my money returned
Product: Money transfer, virtual currency, or money service

After opening a new account at Huntington National Bank, I transferred funds from my credit union account utilizing the Huntington Bank mobile app. I transferred three deposits during the period of XX/XX/XXXX through XX/XX/XXXX in the amounts of {$1000.00}, {$1000.00} and {$73000.00}. Those deposits were to fund the new checking and money market accounts and to provide a down payment on a residence that I was purchasing and that Huntington Bank was financing with a mortgage. 

After experiencing difficulty getting the transfers credited to my new Huntington Bank account, I complained to various individuals at Huntington Bank. Approximately two weeks later, I finally received credit for the largest transfer of {$73.00}. When I inquired about the remaining two deposits, I was told that my credit union would have to ask for the funds back. 

When I contacted the credit union, they said the funds had been transmitted as requested and provided a copy of the transactions stating that is was Huntington Bank 's problem to resolve. For some reason Huntington Bank has refused to resolve the missing deposits although they did provide details regarding the settlement process with XXXX. 

I contacted XXXX after a representative of Huntington Bank provided me with the transaction ID 's and dates for the missing transfers. Unfortunately, neither XXXX or Huntington Bank are willing to resolve the matter even though they are not disputing the validity of transfer. 

I attach my original complaint to the Ohio XXXX of XXXX XXXX. They directed my complaint to your department because Huntington Bank is a national bank. I have attached my original email with additional details and I have attached a copy of the transfer confirmation from my XXXX XXXX and I have attached the original correspondence with Huntington Bank regarding the missing transfers. Please let me know if you need any additional information. 

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

I had and have credit freezes on the 3 credit bureaus accounts. There was a fraudulent request from XXXX XXXX for a credit card on XX/XX/06. 
There was no effort by me to allow the credit check by XXXX XXXX on the Transunion, XXXX, and XXXX sites. The accounts were " frozen. " Yet, all three bureaus while the accounts were on freeze status released my data. The card 's limit was almost maximized within a few weeks. XXXX XXXX has closed the account due to suspicious and abnormal activity. 
They have been almost impossible to get a real fraud investigation started to verify this crime.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection company added a collection item to my credit report XX/XX/XXXX with XXXX balance due and continues to report XXXX balance due each month. The company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX The original creditor was XXXX  XXXX The original balance due XXXX XXXX was {$340.00}. This amount was claimed on my partition for Chapter XXXX bankruptcy filed on XX/XX/XXXX and granted on XX/XX/XXXX. 

XXXX opened a Collection claim two after my Chapter XXXX was granted.
Product: Bank account or service

I went to XXXX XXXX for XXXX shopping but my card was declined. I called Phone banking but was put on long holds, finally when some one made their self available I was told that my card was temporarily blocked. This stupid decision was made without even informing me thus after queuing up in line to buy for weekend and XXXX I had to leave store empty handed. Further when ever I contact BoA I have to face long holds and their chat representative are always busy as well. This wastes my time and in case of emergency i do n't think i would be able to get in touch with them. Do n't they calculate their capacity model, whats the use of having help line and chat if they are always out of representatives. 
Can you please look into the above complain because the representatives at BoA do not care about customer complains.