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

In XXXX I received notification from my credit monitoring service that there was a potentially negative post to my credit report. I immediately reviewed this alert and found it was a past due payment of {$11.00} from Wells Fargo. I was surprised by this as I had not used this particular credit card in more than two years. I called Wells Fargo and they told me there had been a random one-time charge to my account and it had not been paid in 30 days so they notified the credit bureaus. I asked them why they didn't contact me and they said they sent me notification, they emailed me and they called me. I received no communication from Wells Fargo. I asked the woman if they left a message when they called and her response was that they were not obligated to do so. The first thing I did was pay the {$11.00} and received a confirmation. The next day I receive another alert that Wells Fargo had sent this to collections -- after I paid the past due amount. I contacted the credit bureaus to see if they could help and they informed me that I would have to take this up with Wells Fargo. I called back and got my issue escalated to the Executive Offices of " Collections '' who said they would look into it and call me back within a week, which they did not do. I followed up again on XX/XX/XXXX and they told me that my case had not yet been assigned to anyone and they would try to expedite it and I should hear back no later than XX/XX/XXXX. On XX/XX/XXXX, I received a call from the Executive Office and the gentleman told me that they had reviewed my complaint and that there's nothing they could do. His comment to me was that they are only a bank and can't influence the credit bureau because they didn't do anything wrong. I asked to speak to a supervisor and he told me that there was no one any higher up. I told him I was going to contact the Consumer Financial Protection Bureau and he said he'd make note of that before he closed my case. I have been a client of Wells Fargo for many years and it's highly disturbing that this is how they treat their loyal customers. It's no wonder they are losing customers and they can't find a new CEO. No one wants to deal with them. I have closed all my accounts. The sad part of all of this is that pre this issue, my credit score was XXXX. This little {$11.00} incident, dropped my credit score to XXXX. Thank you very much Wells Fargo. What goes around comes around.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I tried to resolve unwarranted charges with the collection agency Genesis who obtained the debt in question from apartments XXXX XXXX in XXXX Texas. I disputed the validity of these charges but XXXX XXXX nor Genesis was willing to come to an agreement with me to resolve the issue. As a result, Genesis placed the account on collection/chargeoff in XXXX of XXXX. I took an initial hit on my credit score, but as the year progressed my score gradually improved since this was the only negative account in my report. It is now XXXX XXXX and I noticed another drop in my credit score as a result of Genesis making a new report for the same old debt that has had no activity since the XX/XX/XXXX chargeoff. Genesis has changed the reporting date to XX/XX/XXXX as if it was a brand new chargeoff. It is to my understanding that under the Fair Credit Reporting Act, that the agency is not allowed to re-age my account to make the debt appear newer than it actually is. It is my impression that Genesis is using this new dating as an attempt to get me to pay this old debt that I do not rightfully believe that I am responsible for. 

I am disputing the validity of this debt, in addition to the reporting date of this debt.
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX also know as XXXX XXXX XXXX Is violating my consumer rights and I would like to be removed as it is hurting my good name. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. Company has also no permission to report ANYTHING using my info pursuant to 15 USC 1681 4.
Product: Credit reporting or other personal consumer reports

I was alerted by XXXX XXXX that an inquiry was made on my credit report by Experian. 
XXXX XXXX XXXX made an inquiry on my credit report for a credit card with XXXX XXXX. I DID NOT apply for a credit card with XXXX XXXX through XXXX  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX Experian have this info already but they ask me to prove this. XXXX XXXX account number ending in XXXX in accordance with the fair credit reporting act 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 ( a ) section 12 it also state a consumer reporting can not furnish a account without my written instructions. 15 usc 1666 ( b ) a creditor may not treat a payment on a credit card account under a open end consumer credit card account under a open consumer credit plan as late for a purpose
Product: Credit reporting or other personal consumer reports

iam XXXX XXXX XXXX mailing address XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX ss # XXXX todays date XXXX I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. 
Account name : XXXX XXXX of XXXX Account number : XXXX Dates reporting NOT Accurate : XXXX XXXX XXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT Accurate. 
THE OTHER XXXX BUREAS HAS THE CORECT REPORTING EXPERIAN IS ONLY BUREAU SHOWING INACCURATE REPORT USC 1666B TIMING OF PAYMENTS Thanks for your help, XXXX XXXX XXXX
Product: Debt collection

The debit from Wayfair is showing as in collections on my credit report. 
Date Open is stating on XX/XX/XXXX, XXXX creditor -Wayfair for the amount of XXXX. I contacted wayfair once I seen it was on my credit. They stated after investigation that they didnt show that anything debit or account was listed under name and information. They then sent me a documentaion on XX/XX/2020 stating that they terminated collection and have indeed do NOT have a balance nor any debit with them. 
I have the orginal documentaion available.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Reporting Agency : XXXX XXXX Transunion To Whom it May Concern, Account name : XXXXXXXX XXXX I received a copy of my credit report. To my surprise, the credit reporting agencies are reporting this account incorrectly. This account is not only being reported as having a past due balance of {$7400.00}, but also reports that there have been XXXX ( zero ) late payments with XXXX XXXX  Monthly payments. Also it reports an incorrect utilization of 122 %, which should equate to {$7400.00} and not {$7400.00}, as 22 % of {$6100.00} = XXXX x XXXX = {$1300.00} So the increase amount is {$1300.00} Adding the increase of {$1300.00} to the original {$6100.00} gives us : {$6100.00} + {$1300.00} = {$7400.00} Therefore, XXXX plus a 22 % increase is {$7400.00} NOT {$7400.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account remove upon completion. 

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

Placed unauthorized inquires on my credit report
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 while flying home from XXXX Maryland ; I received an email from XXXX Bank stating that I changed my email address. I then called XXXX and stated that I didn't change my email address, i then began to query and ask questions about the balance of my account. The employee stated an incorrect balance, I then asked about any unusual transactions, and the XXXX employee stated that two wire transfers went out in the amount of XXXX, and XXXX dollars to Bank of America. I then conveyed to the XXXX employee that I didn't authorize those transactions. I was then told to close my current account, and open a new account. I was then told to fill out an affidavit, and other miscellaneous documents to fulfill the prerequisites of the claim. I was then told that it would take 10 days to complete an investigation, and upon follow -up I was told it would take a month. I asked for a provisional credit so that i wouldn't be XXXX during the investigative process but was denied, subsequently on XX/XX/2022 i was contacted again by XXXX asking if i wrote a check for XXXX, XXXX i said no they then stopped payment on the check but whats baffling is this was the new account the Bank set me up with after my initial account was compromised. If I would have a receive an alert on the 2 wire transfers I would have stated I didn't authorize those, so know I have to wait on Bank of America to release those illegal wire transfers that came out of my account which I didn't authorize and I can not finish business projects because my assets aren't available to me. Please assist me in this matter. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

When I received my Experian credit report in XXXX there are three inquiries that should not be there. XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX and XXXX XXXX/XXXXXX/XX/XXXX.
Product: Mortgage

My mortgage was originally held by Suntrust ( Truist ). 
I refinanced with XXXX XXXX XXXX. The refinance closed XX/XX/2021. 
Suntrust withdrew {$1400.00} from my bank account on XX/XX/2021 -- after the mortgage had been paid off and transferred to XXXX XXXX XXXXXXXX. 
I have attempted to resolve this online -- but their system no longer allows me to log in. I have attempted to resolved this by phone, but their automated system does not recognize my old loan account or social security number. 
I can not locate a useable email address or any other way of contacting them and thus am filing this complaint in hopes of reaching someone who can refund my money that was illegally drawn for a closed mortgage account.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 611 of FCRA, credit bureaus have a responsibility to delete any information from credit reports which is inaccurate or incomplete. this is important to note, as even if an account has only been speculated upon or never confirmed in any way, the burden falls on the credit bureau to provide evidence of its veracity before it can be placed on a credit report. If the information in a credit report is wrong, it was never proven to be factual, and the consumer has the right to take legal action against the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my consumer report and found multiple inaccurate items on my consumer report I notified the credit reporting agencies of the issues and it has been XXXX days and still no response these issues are causing me pain and suffering and humiliation
Product: Credit card

On XX/XX/2023 a {$15000.00} credit card was perpetrated which fraudulently used my stolen or lost Chase Card at XXXX XXXX in XXXX XXXX, XXXX Chase Card initially reversed the charge but after conducting an incomplete investigation reversed the charge against my account claiming I had benefited from the purchase- this despite the availability of video which identified the fraudster as well as a completed police report documenting the events with the XXXX Police Department XXXX
Product: Debt collection

On XX/XX/2019, I contacted Freedom Debit Relief to inquire about my settlement and also to cancel the program. Before doing that I asked if the settlement with XXXX XXXX XXXX was completed since they took over {$3500.00} from my bank account. The guy on the phone confirmed the settlement was completed and I didn't owe anything to XXXX  XXXX XXXX XXXX then I proceeded to cancel the program. A month later, I contacted XXXX XXXX XXXXXXXX to confirm my credit card was settled and they told me they haven't received any funds from Freedom Debt Relief and the settlement agreement was broken because of that. I contacted Freedom Debt Relief and asked to review the recorded phone conversation from XX/XX/XXXX when I was told the account was settled and asked where was my money. A supervisor reviewed the recorded conversation and confirmed I was told it was settled. Yet, she didn't know why I was told that since according to her they only sent 2 out of the 3 payments and charged me close to {$1000.00} in fees for nothing. When I told her that XXXX  XXXX XXXX said they did not receive any funds, I was told they sent it and they couldn't do anything about it ... .. At the end of the day, I still have the XXXX XXXXXXXX XXXX debt and i'm out {$3600.00}. Is not fair they can get away with this type of fraud while people trust them and believe they will act on their best interest but once you start questioning they don't provide any help. Yet they charged me {$1000.00} for nothing as it seems there was not settlement to begin with. I trust them because they made me believe I couldn't do this on my own and i couldn't settle with the credit card companies. They told me multiple times throughout the program not to speak with any of the credit card companies and it couldn't prevent future settlements. I was never told the settlement with XXXX XXXXXXXX XXXX was not completed and not in place and I was told they would charge me fees once the settlement was completed yet they took they fees already from my account.Then came to find out that they haven't even contacted all my debtors, some of they they sent it to collections agencies. Now I lost {$3500.00} and nobody seems to know where is the money.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

We had insurance with XXXX in XXXX and XXXX of XXXX. We had leased the wife 's new XXXX XXXX and purchased a XXXX XXXX XXXX XXXX. Upon purchasing the silverado, it needed to go back to dealer for transmission issues. Dealership said it could be up to six weeks before we would get our truck back. Talked to a XXXX rep, and she said cancel/suspend the insurance on silverado til it was returned to us. So we did. XXXX was purchased at end of XXXX, but paperwork was signed XX/XX/XXXX. We didn't receive our truck from dealer til XX/XX/XXXX. XXXX wants us to pay for a month of insurance at {$600.00} for month we didn't have possession of vehicle. Then in middle of all this, we had to have a new windshield put in the XXXX. XXXX and their reps did nothing but lie and made us pay the repair shop, then they'd reimburse us. After almost a year of XXXX and their excuses, we were finally reimbursed. Only problem is that it was close to {$800.00} lower than the invoice/statement from bodyshop. XXXX of their reps along with their app and website said they would pay the repair shop direct. They did not. Then to top it off, we switched insurance companies after looked at our policy and seen that XXXX was charging us for four items covered under new car warranty on XXXX. Asked them about that and was told not their problem. We were paying XXXX {$1100.00} a month for full coverage on both vehicles. We switched companies and only pay {$310.00} a month now same coverage. Charging us for a month we weren't in possession of vehicle, shorted us on the windshield statement reimbursement, charging us for coverage on four items already covered, then almost {$800.00} more than other companies, I'd say we don't owe anything to XXXX and their underwriters. They send it to a collection agency that contacted me saying it was attempting to collect {$600.00} owed for coverage on a XXXX XXXX. I haven't owned the XXXX XXXX since XXXX and the insurance payment on it was like {$100.00}. Now this collection is on my record through Experian, who I filed dispute with. They have investigated and agree with XXXX that we owe this debt and it will be on my record til XXXX. We have the paperwork and documents to prove what I have stated. XXXX has never sent us any papers stating what vehicles coverage this money is for. Only the collection company stated the XXXX XXXX stating that was info received from XXXX. Please help us get this removed, it has cost us both financially and personally. My opinion is Experian is benefited by XXXX and that they're not going to bite the hand that feeds them. Thank you in advance for any cooperation.
Product: Checking or savings account

I am writing to address an issue regarding the {$400.00} sign-on bonus promotion for opening a Truist checking account. I believe there has been a misunderstanding or oversight in determining my eligibility for the bonus. 

Per the promotion terms, I fulfilled the stated requirements by : -Receiving {$500.00} in direct deposits to the account. ( This was done multiple times ) -Completing at least 15 qualifying transactions. 
These requirements were met well before the XX/XX/XXXX evaluation date. However, I was informed that I did not qualify for the bonus due to my account balance being at {$0.00} on that specific day. This determination seems to overlook that, during the promotional period, my account frequently maintained a positive balance while the requirements were fully satisfied.

Evaluating eligibility based solely on the account balance on one arbitrary daywithout prior notice that this would be a deciding factorfeels misleading. It was my understanding that the bonus criteria were based on completing the required transactions and deposits, not maintaining a specific balance on a particular date.

I kindly request that Truist reevaluate my eligibility for the sign-on bonus, considering that I met all the published requirements during the promotional period. Resolving this matter would help maintain my trust and satisfaction as a Truist customer. 

Thank you for your attention to this matter. Please let me know if any additional information is needed to assist in your review.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion, XXXX, and XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account Name : XXXX Account Number : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not know who this is collection agency is as I have never been in agreement to work with them. Can you please provide me evidence stating that I have signed any sort of agreement with said company Agency : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XX/XX/XXXX Date assigned XX/XX/XXXX Agency XXXX XXXX XXXX  XXXX  XXXX  Status date XX/XX/XXXX Original amount owed {$340.00} Balance date XX/XX/XXXX Balance {$340.00}
Product: Student loan

On XX/XX/2018, I called Navient and tried to get a better/lower payment for my student loans because my family and I have been struggling to pay all our bills. One of the reps said that the only option for me was to lower my interest rate and get my bill down from {$410.00} a month to {$310.00}. I told her that was still too steep for me, having listed all my expenses and so forth. She called in a manager to ask if we could do anything further. The manager was very rude! She told me that if it was up to her, she would not have given me any assistance or even reduce my bill in the first place! However, since the rep had already given me the offer of {$310.00}, I could choose to accept or deny it. She was very rude, short and distasteful. I am totally disappointed with the company and this individual. I hope no one ever has to be subjected to this type of treatment.
Product: Student loan

I filed a complaint with the CFPB reporting XXXX XXXX/XXXX XXXX 's misrepresentation of the terms of forebearances on their loans, their predatory practices along with their deceptive practice of leading people to forebearances without offering any other options, ( they've been sued for this in TWO states already ) on XX/XX/XXXX. The matter was closed and Navient reduced some of the unfair fees and interest they added to my original loan. I have made regular payments to Navient every single month for at least the last 2 years during my battle with them and did not miss a month.I refused to sign any document that claimed I owed $ XXXX when I know I never agreed to any of that and they no record of me doing so. 
They reduced the loan ( not by nearly enough, by the way ) because they could not deny the fraud that was committed against me. 

On XX/XX/2018 my loan was reported as defaulted to the national credit reporting agencies in an act that can only be interpreted as retaliatory. 
It is no coincidence that this was done barely 2 weeks after I filed my original complaint and XXXX REDUCED the balance of the loan. The letter is attached here. It says the reason they did this was because I " failed '' to enter into a " satisfactory '' repayment arrangement. 
Please keep in mind the ARRANGEMENT they are referencing here required me to agree that I owed them more than 40 THOUSAND DOLLARS for a $ XXXX loan that I have made over $ 10k- $ 13k in payment toward. I refused to agree to that because it was a LIE. 

I proved I did NOT owe them $ XXXX. The PROOF is that they immediately REDUCED the amount they said I owed by {$7000.00} once I filed my original complaint with your office. 
I have attached the balance Navient showed on my loan the month prior to my complaint and the balance immediately after my complaint. 
I want this loan expunged/forgiven if for no other reason than to show criminal operations such as XXXX XXXX/XXXX that they can not continue to be permitted to steal from and abuse people and then punish those who stand up for their rights by maliciously trying to ruin their credit and lives. 
I have reported this entire ordeal to the Maryland State District Attorneys Office as I am aware that XXXX has already been sued for this last year by tow other states.
Product: Credit reporting or other personal consumer reports

I'm locked out of online dispute for Transunion. I contacted them in XXXX for XXXX inquiries I did not recognize. I received no correspondence from them. I called today and they are asking me to mail an FTC report. They gave no pdf as the lady claimed, just a report number. Furthermore, I'm XXXX and indigent. I need to be able to submit this info online. I am a victim of the XXXX XXXX  Data Breech. I have proof. So the XXXX inquiry XX/XX/XXXX should be removed. I didn't authorize this. The inquiry from XXXX XXXX in XX/XX/XXXX is not authorized. I am lead Plaintiff in the Class Action Against XXXX and have frozen my credit. Finally, my student loan is paid in full from XXXX and they keep reporting that I owe more than I borrowed.