23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/year> we purchased a car from XXXX XXXX and financed the entire amount of the loan through Driveway Finance ( an affilate of XXXX we'd not heard of previously ) in the amount of {$25000.00} ( loan # XXXX ). We were told the loan required no downpayment. We also purchased with cash a XXXX XXXX XXXX for {$5300.00}. On XX/XX/year> the car was involved in a crash that totaled the car. We contacted XXXX and requested a cancellation of the XXXX XXXX XXXX and refund the money to us. All but {$940.00} was returned to us. XXXX XXXX told us we would have to contact Driveway Finance since that portion of the package was sent to them and not us. Driveway Finance refused to refund it claiming it was a downpayment on the loan and therefore applied it to our principal. The funds were sent to Driveway by the insurance company sometime in XXXX or early XXXX It took Driveway Finance until XX/XX/year> to post the payment. After many repeat calls we finally received our refund on XX/XX/year>. We were told it would take 6 weeks but it was 10 weeks instead. They kept our money when they had no right and they held our refund way longer than is considered reasonable.
Product: Credit card or prepaid card

Chase Visa Card over the last year has replaced my card due to several fraud charges. 

Then one charge that was fraud would not be credited and Chase claimed that the charge was valid. The charge is not a valid charge for {$25.00}. 

After several months of trying to get the charge corrected, with no positive results, I demanded Chase Visa, credit all service fees, interest charges and the invalid fraud charge one last time. No response from Chase Visa except for the monthly bill being sent each month. 

I then wrote Chase Visa and demanded the account be closed since there is no longer any trust with their service or products. Chase Visa then sent a letter asking for payment and money to keep the account active. 

I no longer want to do business with them and have informed them of this and to close the account and bring the balance to XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. the list of accounts below has violated my federally. protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account Number XXXX XXXX Reported Balance {$500.00} XXXX Account Number XXXX XXXX Reported Balance {$0.00} XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$350.00} XXXXXXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$710.00} XX/XX/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 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 account without my written. instructions.

15 U.S.C. 1681 C. a 56 ; No consumer reporting agency may take any consumer report containing any of the following. items of information. Any other adverse item of information other than. records of convictions of crimes which. in to date the report by more than seven years.

15 U.S.C.1681s-2A1 A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows what has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Someone from RMS continually calls my work. They ask that I be pulled from meetings and from religious services. They harass and give a hard time to our receptionist and office manager. They have called daily for almost a month. I asked them to stop and they refuse. I do not believe I owe this debt.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Continental XXXX : reported a charge off. On my account at 120 days. But wasn't suppose to close account until 150 day. I called and paid account which rep. Didn't tell me the account was close. And if i pay my card will be ready for use. The next day i called to try to get late forgiveness to remove late payments to my credit report. The rep told me it was charged off. So i reported it to the bbb. And the supervisor listened to the recording of me and rep. So they decided to remove the charge off and reverse my account from charge off back to open and paid. Not report a new account. That dropped my score 70 something points for a new a account and the charge off is still reported. On my credit report and when i disputed it. It came back as change off with experian. Even though it has been reversed
Product: Student loan

Denied federal funding and had to use private loans through Discover Student Loans at higher interest rates, unable to choose payment plan for interest repayment. Graduated from XXXX XXXX University XXXX, SC. XXXX also mislead me as to the availability of classes, I would 've not graduated if i did n't take summer courses due to the limited availability and degree requirements.
Product: Mortgage

I applied for COVID mortgage relief in XX/XX/XXXX and was granted it on a 90 day basis, I am ready to resume making payments as of XX/XX/XXXX. I would like to refinance the mortgage into a lower rate as rates have dropped significantly. My mortgage servicer, Wells Fargo, is not following the Federal Cares act. They have told me I can not refinance into a lower rate unless I pay the 3 months of deferred payments immediately. That is not how the Federal Cares relief act is supposed to work. It clearly states that those payments in deferment are not supposed to be held against me and stop me from refinancing into a lower rate. They have essentially told me I have to either make all those back payments at once, or wait 6 months to refinance, or do a loan modification where they can potentially lower my rate but not guaranteed and I cant do a 15 year mortgage. They are also stopping me from refinancing with another bank as well
Product: Credit card or prepaid card

I am a XXXX hurricane disaster victim that has struggled to get back to normal since XXXX. I will be charged a late fee of {$37.00} on my credit card at the closing of my billing cycle, which is XX/XX/XXXX. I was not aware that First National Bank of Omaha ( XXXX XXXX  XXXX ) strictly required a payment to be paid via central time on my due date referencing my credit card. I have taken immediate steps to eliminate the problem via starting to pay my credit card bill online with a scheduled payment, but the banks website does not update immediately for me to perform this simple action that is a hindrance. Therefore, I would like to respectfully request an adjustment of {$74.00} be returned to my credit card and ask that First National Bank of Omaha ( XXXX XXXX  XXXX ) credit card department try to understand that a disaster does cause people to have struggles in life that are natural in occurrence and I am most certainly not just simply a customer that do not pay their bills on time. 

I also set-up auto pay to eliminate any further late fees, which took 30 days to set-up by First National Bank of Omaha ( XXXX XXXX  XXXX ), and my account incurred an additional late fee of {$37.00}, simply shocking! The customer service agent said I was read a disclaimer which I did not completely understand because the agent spoke in English and not XXXX, meaning some things I understood and some I did not. 

My GOD, where is the humanity here? There are some moments in time ( disaster victims ) need help beyond the norm, especially when First National Bank of Omaha ( XXXX XXXX XXXX ) know that disaster victims do not have any control over a natural occurrence of nature and the disasters made headline news. All of my creditors worked with me, but I have concluded that First National Bank of Omaha ( XXXX XXXX XXXX ) is " HEARTLESS. ''
Product: Credit reporting or other personal consumer reports

Equifax is reporting in my credit report bankruptcy as mine... .this is a wrong account because The court says that is wrong..
Product: Credit reporting

While checking my Equifax credit report, I noticed that unauthorized and fraudulent inquiries were made by XXXX of XXXX XXXX XXXX, XXXX XXXX, MN XXXX ( XXXX ) XXXX, on XXXX/XXXX/2015. I did not authorize this inquiry by anyone employee of XXXX. This conduct is in serious violation of my Privacy Act and FRCA Section:16:1 b ( c ). This inquiry was unauthorized and is fraudulent.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Square , Inc. regarding ongoing unauthorized charges to my account despite the deactivation of my services with the company. 

On XX/XX/year>, I received an email from Squares Account Services team informing me that my account had been deactivated and that they would no longer be able to process payments for my business. Since that date, I have not been able to access any of Squares services, yet Square has continued to charge my bank account {$150.00} every month for services I can not use. 

These charges have included services such as Square for Restaurants Plus, Square Online Plus Plan, Square Loyalty, and Square Text Message Marketing, none of which I have been able to access since the deactivation of my account. Despite contacting Square, I have not been able to resolve the issue, and I am now seeking your assistance to recover the funds that were wrongly charged. 

I believe that Square has acted unfairly by continuing to charge me for services after deactivating my account. As a consumer, I feel that I have been treated unjustly and would appreciate the CFPBs intervention to ensure that Square refunds the full amount charged to me from XX/XX/year>, to the present. 

Please let me know if you require any additional information or documentation. I am hopeful that your assistance will help resolve this matter quickly and fairly. 

Thank you for your time and attention to this complain
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, Even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI Section 611, Please provide the names and business addresses of each individual with whom you verified the above accounts so that i may follow up.

Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX account ending XXXX, in accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy,15 USC 1681section 6 0 4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since my homes purchase in XXXX I have made each payment on time. I noticed on my credit report, Experian, during covid19 that my report incorrectly indicates I had been late on two payments in XXXX, XXXX and XXXX. these payments were deferred due to damage from flooding in XX/XX/XXXX. In XXXX the full payment due for the three months of XXXX, XXXX m, and XXXX were made in full BEFORE the due date. I disputed the inaccuracy. Since my dispute, I see now that many months show no data, instead of the on time payments that had always been reflected on my report, and the two inaccurately stated late payments remain. In addition other random months are now showing late payment. This is crazy. I have no recourse. Disputing the inaccuracy actually lowered my score and added more inaccurate data to my report. I have never been late on my mortgage and not without personal sacrifice- the main reason was to maintain and boost my excellent credit rating. I need help. XXXX XXXX is lying on my report and choosing to add negative inaccuracies and other months showing ND instead of the on time payments that had always been reflected in my report. Help!
Product: Checking or savings account

I received an email telling me that a debit card had been mailed and I do not have an account at Wells, I called the bank ( XXXX XXXX XXXX ) and was told to email the fraud Dept. @ XXXX. This is the second time and I am not sure what to do next. XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I contract discover bank once I realize money was fraudulently taking out of my account so I file a dispute to get my money back they claim they contract the 3 party With is XXXX XXXX in said I play a part of the money been taking out of my account I ask them for the poof they never give me any evidence of anything then state my claim was close Im loyal customer and get direct deposit in my account which makes me feel this is not safe for my money
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXXXXXX XXXX IL XXXX XXXX XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card

XXXXdispute filed ; within the week supporting info/receipts provided. 
Citibank repeatedly asked for same documents ( citing ones sent werent legible ) XXXXcompany finally acknowledged receipt of supporting documents XXXXwithout contacting merchant ( XXXX XXXX ) Citibank closes dispute ; says their customer XXXX is responsible for charges. 
During month of XX/XX/XXXX & XX/XX/XXXX I continue following up with Citibank explaining that XXXX has been paid two times for the stay of XX/XX/XXXX. They were prepaid by the primary person who made the reservation & by me the secondary. I submitted additional receipts from the primarys bank. Citibank refuses to accept those receipts & the ones XXXX provided to the primary. ( They also Will NOT accept the receipts XXXX provided to me either, which reversed the charges they erroneously debited to my Citibank credit card. ) Once Citibank closed the dispute they never reopened it despite the fact that they kept requesting additional documentation from me. 
Citibank does not care that XXXX has now been paid twice for this stay of XX/XX/XXXX. I was advised to go to XXXX & have them make the corrections. Citibank will do nothing to rectify/resolve this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have fell into the hands of the wrong person.
Product: Credit card

I wanted to buy concert tickets through the capital one portal and went to look at the ticket price to XXXX XXXX in XXXX on XX/XX/year>. The tickets are located in section 307 XXXX XXXX and the price shown on the Capitol One Portal ( {$320.00} ) was 39 % higher than the face value located on ticket master ( {$230.00} ). I reached out and they advised me that they are a resale market and they are only a platform and stand by the price increase. I believe this is to be price gouging and spoke to multiple people in the company such as XXXX in Capitol One entertainment but her manager XXXX XXXX would not speak with me and they would not provide any sort of remedy for the issue. Originally I spoke with some else that simply said it was an option for me to purchase the tickets through them and that was their goal to provide options at multiple price points.
Product: Debt collection

On XX/XX/2016, this debt for {$1500.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I called equifax to have them remove dispute for XXXX XXXX and XXXX XXXX  from my credit report as it was keeping me from getting a mortgage approval. When I spoke to the customer service rep he said it would not affect my credit score however, the next day XX/XX/year>, my score went down XXXX. I called equifax immediately and asked them why this happened but was not given a reasonable explanation. I spoke with 3 people, the 2nd was a supervisor and he told me there was no reason, it just happened. No reason! Finally, after getting very upset, I pulled my report up online and saw that the 2 debts I wanted the disputes removed from were re-reported as if they were brand new. I called back and the rep couldnt verify my identity, which was strange because my identity had been verified over and over throughout this process.
Product: Debt collection

First credit trying to collect a medical bill from XX/XX/2022 and I havent even been to the doctor on that day, I never even went to hospital that day, I'm not paying for something when I wasnt even at XXXX XXXX main campus XX/XX/XXXX. I havent even seen a doctor that whole month.
Product: Debt collection

I have debt in collections on my credit report from choice recovery. Ive never conducted any business with choice recovery. Ive disputed this chargers asking them to remove from credit report. Choice recovery sent me personal medical information and records of mines in which they shouldnt have. Ive never released Nor gave permission of release any of my medical history to Choice recovery. Choice recovery has violated my HIPPA rights by obtaining my medical records without my permission
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX - BALANCE {$540.00} XXXX XXXX  # XXXX - BALANCE {$420.00} XXXX XXXX # XXXX - BALANCE {$310.00} Unauthorized inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, 2025 my problem is with the following credit bureaus all three of them. 
XXXX. XXXX : XXXX. XXXX : XXXX. Trans Union ; the law says, Approximately seven years Generally speaking, negative information such as late or missed payments, accounts that have been sent to collection agencies, accounts not being paid as agreed, or bankruptcies stays on credit reports for approximately seven years.

You can dispute and correct inaccurate information, including outdated addresses, by contacting the credit reporting agencies directly. It's your right under federal law to have accurate information on your credit report without incurring charges a lot of information in old addresses have been on my report over seven years they need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update my personal information and delete all of the accounts with errors which I have attached they are affecting my life