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

On XXXX 's XXXX my transmission went out on my XXXX XXXX XXXX. My loan was almost paid off with 100 % on time payment history even though this is the 3rd financial situation where the vehicle broke down and I still kept my account current. Well this time when the transmission went out I was told by MEI to take the vehicle to their transmission shop. 4days later, mind you I just paid my car note, but they told me that XXXX approved for a mechanical trade at XXXX DOWN. So that weekend I went in to get to my trade so I could keep working without wasting money on XXXX. Well when I get there, of course it wasnt XXXX DWN, they wanted more money, so I had to scrape up and additional {$500.00} ( that {$700.00} in two weeks to MEI ) to drive off in the XXXX XXXX they gave me. Of course no lights or anything was on, and they wouldnt allow for you to test drive cause there is never any gas in their cars at the time of purchase, I even have text to prove this. 
They also have the audacity to run your credit again on something thats approved already through their company! Well not even 3 days after pulling off the lot the check engine light comes on. I call to set an appointment with the service center and they tell me I cant until I get my contract reinstated with MEI and XXXX. It took almost 4 weeks to get a new contract together but whats the most frustrating about this is the fact that I started receiving calls saying that I was 10days past due on the XXXX. After I explained the first rep, XXXX said ok she will notate the call. I asked her for a PAID IN FULL LETTER she said she will email her supervisor to contact me within the next few days. Nothing happend. About 6 days later XXXX called again saying I was 21days past due. I asked for his supervisor a woman named XXXX came saying she was a supervisor. I asked her for a paid in full letter, she said they MEI, dont participate in this. I told her to escalate my request because I know this should be available for a consumer period from a debt collector. I told her and the previous 3 people that this account better not hit my credit. Well I woke up the morning of XX/XX/XXXX and guess what ... MY CREDIT SCORE DROPPED OVER 50 POINTS and I missed out on closing on my house due to an issue on their end. Right now at this very moment it is still showing a negative tradeline from these crooks. Im forced to consult with a laywer at this point. Im the one taking financial losses from doing what Im suppose to do and I am still waiting on my PAID IN FULL LETTER SO I CAN HAVE MY CREDIT CLEARED.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX I came across these unauthorized inquiries still reporting on my credit report on XX/XX/2024. I asked that you immediately remove it from my credit file as soon as possible as I am a victim of identity theft and did not give any authorization whatsoever please remove.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the fair credit report act ( FCRA ) 15 U. S. C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C {$5500.00}. ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File # XXXX XXXX XXXX ) against them for similar violations. I requested the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation. Example Confirmation number XXXX Various disputes on file
Product: Credit reporting or other personal consumer reports

Subject : Failure to Provide Form 1099-B and Request for Credit Report Removal for Charged-Off Account Dear [ Credit Card Companys Name ], I am writing to formally request a copy of Form 1099-B in connection with my charged-off account, account number [ Insert Account Number ]. To date, I have not received this form, nor any information related to it. This lack of documentation constitutes a failure to comply with IRS regulations regarding the reporting of income related to charged-off debts. 

Additionally, due to this failure to provide the required Form 1099-B, I believe this account has been inaccurately reported to credit reporting agencies. Your company is reporting as having a balance but the debt was written off. The absence of proper documentation raises significant doubts about the accuracy of the information being reported. 

As a result, I am requesting the following : 1. A copy of Form 1099-B for the charged-off amount of my credit card account.

2. Confirmation that this account has been reported accurately to credit bureaus, or its immediate removal from my credit report due to the lack of required documentation.

3. Any other relevant tax documents associated with this account. 

Failure to provide Form 1099-B and continue reporting this debt inaccurately may violate the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to pursue further action to ensure compliance with applicable laws and protect my rights. 

Please consider this letter a formal dispute and request that this account be removed from my credit report until this matter is resolved. I expect your response within 30 days. If you are unable to comply, I will take additional steps, including filing disputes with the credit bureaus and reporting this issue to the IRS. 

Thank you for your prompt attention to this matter. Should you require any additional information, please do not hesitate to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have file disputed letters on XX/XX/2020 to all three credit bureau and still have not received a reply from them.
Product: Student loan

I had a private loan and then graduated XXXX. After I graduated I knew I had to start paying on the loan within six months. However, when they called I explained my situation ( no job, no income ) and they said it 'd be fine. I called now that I can catch up and they 've turned it over from AES to XXXX. 
I called and the only option I had was pay in full or arrange a settlement. I ca n't pay that much and fee very misled on my options. I feel trapped by this loan now and do n't know how to get out.
Product: Debt collection

Capitol One  has a charge on my (3) Credit Report for $XXXX for a Credit Card debt.  I never had a Capitol One Credit Card.  
In XX/XX/XXXX this account was open... In XX/XX/XXXX it was removed.
In XX/XX/XXXX it again report on my credit report as me opening it.
Then it was reported to XX/XX/XXXX it was reported on my credit reports.

The reference number under
XXXX XXXX XXXX is XXXX  
Balance $XXXX

Original Creditor: Not Available

COLLECTIONS

XXXX********** (XXXX XXXX XXXX XXXX)
Act. #
XX/XX/XXXX
Opened
XX/XX/XXXX
Reported
Closed
Condition
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A, Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I WAS ASKED TO PAY THIS DEBT WHEN I WAS ON UNEMPLOYMENT INSURANCE Benefits AND NOW THATI DO N'T EVEN HAVE UNEMPLOYMENT INSurance Benefits and just the SNAP BENEFI=ST.\
Product: Credit card or prepaid card

My XXXX XXXX XXXX credit card serviced by XXXX XXXX XXXX continues to charge foreign transaction fees for purchases made in US dollars on US sites. On at least 5 occasions they charged fees of {$0.00}, {$2.00}, {$0.00}, {$1.00}, and {$1.00} ( a percentage of transaction ) for transactions they did not have to convert to USD to post to my account. The transactions were completed and processed in US Dollars. One of the transactions was even for a in store pick up transaction in Ohio. The explanation given by customer service is that they use the company 's base as a definition of a foreign transaction and expect a customer to know where the base is located. This feels like a deceptive process. No purchase was made in another country or shipped from another country. No currency conversion has taken place. The transaction is in US Dollars.
Product: Credit reporting or other personal consumer reports

Reporting late payment on a account after account was closed in XXXX of 2024
Product: Money transfer, virtual currency, or money service

I am writing to formally lodge a complaint against Wells Fargo Bank regarding a delayed international wire transfer. On XX/XX/scrub>/2025, I initiated a wire transfer of {$10000.00} from my personal Wells Fargo account to my personal bank account in XXXX XXXX. At the time of the transaction, I was assured that the funds would be credited to the recipient account by XX/XX/year>2025. 

As of today, XX/XX/year>2025, the funds have not been received. Despite multiple attempts to resolve the issue through customer service and numerous escalations, Wells Fargo has been unable to provide any resolution or locate the transferred funds. Upon my insistence, the bank initiated a trace ; however, this effort has yielded no results. 

This situation has caused me significant inconvenience and financial uncertainty. Given that Wells Fargo has failed to fulfill its obligation to complete the transaction within the promised time frame and has not provided a satisfactory explanation or resolution, I am seeking your intervention to resolve this matter. I request the following : 1. A thorough investigation to determine the whereabouts of my funds.

2. Immediate resolution to either complete the transaction or refund the full amount.

3. A clear explanation of why the transfer was not completed as promised.

4. Appropriate corrective action against Wells Fargo for failing to uphold its service commitments.

I appreciate your prompt attention to this matter and look forward to your response. Please feel free to contact me at [ Your Phone Number ] or [ Your Email ] should you require any additional information.

Sincerely,
Product: Prepaid card

I have purchased {$3000.00} in reload packs from the company, XXXX, a subsidiary of XXXX Holdings. 
I have been only able to load {$1500.00} and this only after hundreds of attempts to use the online service. XXXX of attempts result in the same error message, 'We are experiencing technical difficulties '. 
I have made multiple calls to their customer service department and was told, after HOURS on hold, that a customer service supervisor would get back to me. That never happened. 
I need the money I have paid to use this companies service for a medical emergency. Please help.
Product: Checking or savings account

From XXXX to XXXX they kept freezing and unfreezing my account preventing me from accessing my money and they have told a bunch of lies. And closed my account and refused to give it back. They steal from XXXX people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries on my report all datedXX/XX/XXXX, inwhich I don't have any knowledge of, and according to the law of the FCRA if this is not met with tangible documentation then said accounts and/ or inquiries shall be removed.
Product: Credit reporting or other personal consumer reports

I filled multiple dispute about a hard inquiry in my credit report. My first dispute was on my XX/XX/23 and send a secondary lettter on XX/XX/23. Its been more than 30 days. The items are still showing on my credit report. This violate my rights under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted all required documents to place a fraud alert, fraud account block on my report and equifax refuses to comply with the FCRA and/or FTC laws and placing this account block, every piece of information they requested was faxed and done twice, and this case is a refusal by this company, equifax to comply, and was told it was there policy, this is not a normal dispute, this is a serious matter that they are breaking laws and will face suit in XXXX XXXX, Mississippi within 15 days if they are not made to comply with the laws to protect consumers as which they are simply ignoring and are not made to abide by. I want this file blocked per ; The Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( " FDCPA '' ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, it is a fact, I, the affiant is a consumer has the right to privacy pursuant to 15 U.S Code 1681 ( a ) ( 4 ). ( Experian_ has violated my privacy by furnishing private information about me without any lawful authority or my written consent. As a result, my credit worthiness, credit capacity, character, and reputation have all been damaged, resulting in emotional pain and financial losses. By furnishing a consumer report containing specific factual nonpublic personal identification information without a consumer written consent, ( Experian ) also in violation of 15 USC 1681b ( a ) ( 2 ). A consumer reporting agency must block the reporting of any information in a consumers file that the consumer identifies as information resulting from identity theft not later than 4 business days after the date of receipt by such agency, according to 15 USC 1681 c ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act XXXX  account # XXXX or account name XXXX XXXX Bank, 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 report agency can not furnish an account without my written instructions.
Product: Mortgage

I was trying to refinancing an FHA loan, my actual loan amount is {$220000.00}, the lender Network Capital funding corporation want to do a conventional and they changed many times the numbers, last Loan estimate was that my loan amount will be {$230000.00} included the closing cost and the escrow. They ordered an appraisal, that I paid {$470.00}, and came out {$370000.00}. The lender sent me the closing disclosure with {$230000.00} my loan amount with a closing cost increased for almost {$4000.00}. When I asked explanation they said that I told them that my house had a value of {$380000.00} so they have to charge me XXXX points and other stuff. They did n't send me a revise Loan estimate and my house is not under value. They keep calling me saying that I will save so much money and in six month I can refinancing again with {$0.00} closing cost. They insisted that my new loan would be so convenient for me and they said that the numbers changed because the appraisal came out {$370000.00} instead of {$380000.00}, before they were giving me a lender credit than after they just increased the closing cost with {$0.00} lender credits. They called me again last week, XXXX, saying that they want to fix it, he said that he really care and he want to close the loan, after almost an hour he proposed me 25 years refi loan, I told hm to send me everything by email, and only after see the numbers I would decide it. He sent to me and the numbers changed again, I sent email asking to fix it and asking the reason for the changing, no answer to all my emails. This company is ridiculous, they give you only loans that are not convenient they tell you numbers and after they change everything, unprofessional and very dangerous, I want just my money for appraisal back. Thank you.
Product: Credit reporting or other personal consumer reports

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 
15 U.S. Code 1681c2 - Block of information resulting from identity theft ( A ). the information was blocked in error or a block was requested
Product: Credit reporting or other personal consumer reports

This inquiry is not mine. I did not authorize this inquiry to be on my credit report. I have no knowledge regarding why this inquiry is even on my credit report. Please check the documents I've sent regarding this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on my 3rd leasing contract with XXXX XXXX XXXX. I leased my XXXX vehicle in XX/XX/XXXX. During that time, I was over my mileage for my XXXX  vehicle in which the vehicle was surrendered. I received a bill in XXXX in which I was advised to pay {$1300.00}. I also received a phone call from a gentlemen advising me to pay a little shy under {$170.00} per month to satisfy the past due amount. I explained to him it wasn't feasible for me to satisfy that amount since I'm already paying over {$300.00} for the newly leased vehicle. It was explained to the representative that I could pay {$50.00} per month at a minimum. I asked during the call if this account would affect my credit and was told no. I was also not told during the call that the monthly amount being requested was finalized and could not be changed. My initial payment on the XXXX vehicle was XX/XX/XXXX ( {$50.00} ), XX/XX/XXXX ( {$100.00} ) and XX/XX/XXXX ( {$50.00} ). Today, XX/XX/XXXX, I received a call from XXXX stating I am 117 days past due on my account and it needs to be resolved today before taken any further. The initial lady I spoke with call was disconnected so I had to call back. I ended up speaking with XXXX who informed me that the monthly amount I was told to pay was not a formal agreement however the amount is being reported on my account and is 117 days past due. I was asked to confirm an amount I'm comfortable with so the account didn't go any further. I asked how can the account go any further, when XXXX has been accepting my monthly payments? I informed XXXX I can pay {$50.00} at a minimum per month. When the balance was split into about 22 months, the agreed amount calculated to {$50.00} and will be due on the XXXX of each month. So it's safe to say, the " formal agreement '' took place on XX/XX/XXXX which was 4 months from when the initial was generated. I would like to have the inquiries disputed that's being reported by XXXX XXXX XXXX to be investigated and be reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XXXX/XXXX/16 Nationstar had their 3rd party vendor XXXX XXXX XXXX secure the property i own and live at XXXX XXXX XXXX XXXX XXXX NJ. House was not vacant, i lived there and was in the process of negotiating a short sale with Nationstar. When i came home i couldnt get into my house a lockbox had been placed on the door. When i finally got in, I was horrified to find ALL of my belongings gone. everything I ever owned. To this date, neither Nationstar or XXXX has returned my belongings, which were most likely thrown away. Nationstar didnt bother to speak with me or my agent about securing the house, and now i have no clothes, no personal documents, etc. I was left like a dog in the street. I want NAtionstar or XXXX to return all my things or to compensate me for the things lost and for the pain and suffering, along with the health issues I have now had to deal with because of this traumatic event.
Product: Vehicle loan or lease

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX illegally and wrongfully repossessed my XXXX XXXX XXXX XXXX from XXXX XXXX XXXX while I was getting my car serviced. They unlawfully took my car. And committed theft as well. My rights were violated as well pursuant to 18 USC 241- conspiracy against rights, as well as 18 USC 242- Deprivations of rights under color law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus requiring unsecure method to freeze reports of dependent minor. 

Members of my family were impacted by the Equifax data breach. We've frozen records for adults but our children ( minors ) are the issue. To freeze the reports of my children, all credit bureaus require us to mail them ( in a single envelope ) copies of their social security cards and birth certificates ( plus additional info ). To say that is a tremendous security risk would be an understatement as we are placing two of the most critical documents used for identify theft together and sending it through the mail. 

I find this unacceptable as the ONLY means to freeze their reports and believe others will have the same concern.
Product: Student loan

All of my students loans are consolidated with Navient, and i have been working to build m y credit score. A  couple days ago I checked my score to discover that it had dropped  XXXX  points. The remarks stated that it was from a loan with  the US Dept.  of  Education that g ot sent to government collections between  XX/XX/17    and  XX/XX/17   . I have contacted every student loan service and Ombusman group and none of them have any information about the loan in question. I need to get to the bottom of this and ge t my credit score cor rected.
Product: Debt collection

I ended my service after a five year commitment in XX/XX/XXXX. When I called XXXX to discontinue the service, I was put through a series of high pressured sales tactics for a good half hour as it was not made easy by several employees of XXXX in their billing department. I kept saying no to what they offered - a lower monthly subscription- but they would not oblige. Finally I was told I had to put in writing for my discontinuation of service to a given email. After all that, it was not good enough as I continued to receive monthly statements and phone calls from a phone calling center every day. I have now been passed to two debt collection services- XXXX XXXX XXXX XXXX XXXX - which did not respond to my letter dated XX/XX/XXXX and now FBCS. I dispute the amount I owe of {$380.00} as I continue to fight XXXX and what did to me.