23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Chase Credit Card Services charged all of me purchases at the higher - cash advance interest rate for over 8 years and would not change it to the lower rate. As a result, I ended up paying {$1000.00} more than I should have. After multiple attempts to have this corrected, I had to pay off the card and close it. This also hurt my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

the inquiry listed below are not mine, some make no sense as it is obvious from my credit report that I am on bad terms with a few of these banks. I try to contact TransUnion for multiple issues including this one, they always respond that im wrong and then I always go back and have the creditor fix the problem because even they acknowledge I was right ( I.E the collection account with XXXX XXXX ). Transunion said I was wrong, but yet i got XXXX  to remove the account. 

Transunion Inquiry : XXXX XXXX XXXX via XXXX | XX/XX/XXXX XXXX XXXX  XXXX via XXXX | XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX XXXX XXXX via XXXX XXXX| XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX| XX/XX/XXXX XXXX XXXX XXXX via XXXX   XXXX  XXXX | XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There is a public record on my XXXX, TransUnion and XXXX credit reports along with other credit reporting services. When I try to dispute the public record which shows a bankruptcy, I am told they are getting the information from XXXX XXXX. I requested that XXXX XXXX, XXXX, TransUnion and XXXX validate this debt and none responded to my letter. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 XXXXXX/XX/24
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A CREDIT CARD ACCOUNT THAT WENT INTO COLLECTIONS IN 2019 THAT HAS BEEN SOLD TO MIDLAND CREDIT. MIDLAND CREDIT IS REPORTING MY ACCOUNT AS COLLECTIONS ON MY CREDIT REPORT HOWEVER I HAVE AND HAVE OTHER ACCOUNTS THAT ARE OR WAS IN COLLECTIONS THAT DOES NOT REPORT AS COLLECTION BUT DOES REPORT AS A CLOSED ACCOUNT BY GRANTOR. 

I HAVE DISPUTED THE REPORTING AS I HAVE BEEN MAKING PAYMENTS ON THE DEBT SINCE THE ACCOUNT WAS OPENED BY MIDLAND CREDIT. 

THEY UPDATE THE ACCOUNT EACH MONTH WITH MY PAYMENTS HOWEVER IT SHOWS AS A COLLECTION ACCOUNT AND APPEARS TO BE NEW EACH MONTH CAUSING MY CREDIT SCORE TO SIGNIFICANTLY FALL EACH MONTH AND SHOWS AS A RED FLAG ON REPORTS INCLUDING XXXX XXXX AND XXXX. 

I HAVE CONTACTED MIDLAND SEVERAL TIMES ONLY TO BE ANSWERED BY A PERSON IN A FOREIGN COUNTRY WHO DOES NOT ANSWER MY QUESTION AND POINTS ME TO A CUSTOMER SERVICE DEPARTMENT IN THE US THAT IS " NEVER AVAILABLE '' EACH TIME THEY TRY AND TRANSFER. I WANT THEM TO REMOVE THE BLACK MARK AND HAVE HIT A BRICK WALL EACH TIME I DISPUTE THROUGH THE BUREAUS. 

PLEASE LET ME KNOW WHAT ELSE I MAY DO. 

THANK YOU XXXX XXXX XXXX
Product: Mortgage

I refinanced my loan with New American. They were my prior lender. My loan was to close in XXXX but they made a few mistakes and had to redo the papers. It was agreed it was not an error on my end as I signed the documents their agent brought to my home days early. 

I was not to pay PMI for the months of XXXX and XXXX but I recently received my statement and despite being told I would not be charged, I was. 

I have been charged XXXX for XXXX and XXXX respectively and I am requesting a refund
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The payments on the student loan was deferred from Wells Fargo Bank in XX/XX/2020 due to the current pandemic COVID19. Wells Fargo Bank still reported the account as 30 day delinquent, 60 day delinquent and 90 day delinquent for no payments in XXXX, XXXX, and XX/XX/2020 which was incorrect. There was no communications either through written mail or phone from Wells Fargo Bank from XX/XX/2020 through XX/XX/2020 that a payment was needed. I got a mail letter on XX/XX/2020 stating it was past due and I immediately made the account active on XX/XX/2020 with a payment of {$600.00} and another payment of {$200.00} on XX/XX/2020. I contacted Wells Fargo Bank stating this was incorrect as the loan was deferred due to COVID19. They need to correct the credit reporting of the delinquents reported which was incorrect and as the loan should have been deferred. I submitted a dispute and the dispute letter was sent saying it would stand as reported and it would not be corrected. I deferred the payments of the student loan and Wells Fargo Bank still reported to all the Credit Burroughs for 30 day, 60 day and 90 day as late/delinquent.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I made a payment to my credit card company in full for all charges posted on my account in the amount of {$3300.00} on XX/XX/XXXX which is one day late. payment should have been made on XX/XX/XXXX. I called and spoke to a rep and was told that all fees would be waived. Leaving a annual renewal fee of XXXX left on the card. I had previously called and spoke to a rep stating that I did not want the card renewed due to me getting another Amex in my name. Apparently, there is no record of that so I told the rep that I would pay the annual fee on my next billing statement. When my next billing statement arrived, I paid the XXXX annual charge, as well as a future rental car charge of {$130.00}. In total I paid {$380.00}. Which should have brought my account to a XXXX balance. Instead, I had a {$79.00} balance left on my card. I have called Amex several times each time I was told that the {$79.00} charge was due to different reasons XXXX was a late charge on {$7.00} dollar balance ( Which if true would have only brought the charge to {$47.00} XXXX was that I didn't pay the rental car bill in full which I also showed was not true and 3 was oh it must have come from interest which was supposed to have been waived when I made my {$3300.00} payment. Moreover, I pay balances in full on this account monthly I don't carry interest on this card. Lastly while an investigation is being conducted the amount in dispute is supposed to be frozen but instead I am being hit with late charges on money I do not owe. I have gone over all my charges line by line with the representatives and the dispute department, and they acknowledge that I have paid every charge I have ever put on the card and not one of them can pinpoint what the {$79.00} charge stims from. I am at beyond frustrated at this point and actually lost my temper on the last call. You can look at every payment I have ever made with this company, and you will find that I have always paid for charges I make on this card. I refuse to pay money I do not owe.
Product: Payday loan, title loan, or personal loan

To whom it may concern : I have had a regular amortized installment loan through One Main Financial ( XXXX XXXX, Illinois ), for approximately {$7500.00}, for about 2 1/2years. I subsequently requested to refinance a little over a year ago, in order to pull additional funds out, and was advised by the loan representative that all terms would remain the same throughout the life of the loan. After a little over a year of paying $ XXXX  monthly ( automatic withdrawal ), approximately {$6000.00}, I realized that the outstanding principal balance had only been paid down by approximately {$450.00}. Needless to say I was shocked and reached out to the branch immediately on XX/XX/2021. I spoke with the branch manager and was advised that the program the loan was initially under was changed from a typical amortized loan into a Daily Simple Interest ( DSI ) loan. The aforementioned program/product ( bait and switch ) was never disclosed by the loan representative at the time. Disclosures were signed under the impression that all items remained the same, as stated by the branch representative. These types of business practices are the epitome of Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) and Fair Lending/Servicing violations in which " significant '' financial injury was caused for monetary gain by the institution. Please conduct a thorough investigation into these entities, which are basically stealing from hard working citizens, and switching consumers into loan products similar to a payday loan. A formal complaint will also be filed with the XXXX, State Attorney General, & FTC as well as commencing litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$1000.00}
Product: Debt collection

Requested this company to c ease and desist and send the debt back to the creditor ... they did not still receiving letters when I asked them not to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am tired of going back and forth with XXXX, XXXX, and TransUnion for the same inaccurate information on my credit report for the last 3 years!!!!! 
Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! This has caused me not to get approved into a home and not being hired I have been going back and forth with the bureaus for over 17 months for the same accounts below! I ask that you delete these accounts immediately and I want to get compensated for each violation as stated in 15 USC 1681N!!! These are violations and effecting my everyday life all XXXX  accounts are inaccurate as they have date of last activity different with each credit reporting agency as well as other inaccuracies as they are reporting inaccurate dates and amounts for all 3 credit reporting agencies!!! Delete accounts immediately as it states in the FCRA. XXXX XXXX and XXXX XXXX also reports several inaccuracies and need to be deleted immediately from all 3 bureaus. I am completely exhausted of the back and forth and am actively seeking litigation!!!
Product: Student loan

Under Biden the nation has a pause on student loan payments. Other then this major fact, I have a IDR plan to pay XXXX dollars back monthly. Advantage reported late payments on my credit report and I got negatively hit. This is the second time this has happened. The first time was with XXXX and then they turned into Aidvantage. So second time under both names. This is frustrating. No one in the department should be filing anyting on any person reports. While I was on the phone with this company tli specifically asked them if the CFPB is over then and they said " no ''.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and XXXX be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I XXXX suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit card or prepaid card

chase card services contacted me requesting payments on a credit card that i never requested or applied for. I contacted them and asked for proof that I was responsible and they never sent anything that showed that I applied for or used the credit card. They said they did a fraud investigation and the debt is valid. I then had a lawyer send a letter and got the exact same response without any supporting documents.
Product: Debt collection

I hope this message finds you well. I am writing to inform you of a distressing issue involving identity theft that has directly impacted my financial well-being. Upon conducting a review of my credit report, I discovered an unauthorized account that was opened in my name with Pro Collect. It is important to note that I have not initiated nor authorized any business or account with this entity. 

The existence of this fraudulent account has caused considerable damage to my credit report and subsequently to my overall financial standing. I am deeply concerned about the adverse effects this may have on my financial health and credibility. I firmly believe that this unauthorized account is a direct result of identity theft and I am actively taking all necessary steps to address this situation. 

I have already taken initial actions by contacting Pro Collect to dispute the account and have filed a report with local law enforcement to report the identity theft. Nevertheless, as the impact on my credit report persists, I am reaching out to request your assistance in rectifying this issue. 

I kindly request your support in investigating and promptly removing this fraudulent account from my credit report. Your intervention and guidance in this matter would be immensely appreciated to ensure the accuracy of my credit history is restored. 

Enclosed with this email, you will find the pertinent details regarding the fraudulent account for your reference. Should you require any further information from my end to facilitate the resolution of this matter, please do not hesitate to reach out. 

I am fully committed to cooperating with your team to swiftly resolve this issue. Thank you for your attention to this pressing matter. I eagerly await your guidance and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to a COVID-19 income/hour loss I fell behind with some payments in XXXX. I entered into a payment agreement and stayed in contact with them throughout the entire process. The account is current, paid in full but showing 30, 60, 90 and 120 day late payments from XX/XX/XXXX to XX/XX/XXXX. I have called, emailed and written letters with no response. According to the CARES ACT these payments should be reversed and show as paid as agrees on all three of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have too many queries in my credit report that I have not authorized and I already spoke with these agencies to report these FRAUDULENT queries but I have already been waiting for them to be removed please remove all these fraudulent concerns from my credit relationship THANKS ..
Product: Debt collection

On about XX/XX/18 I received a letter in the mail posted from ; Cavalry SPV I LLC, claiming they have a contract and that I owe them XXXX. This is false, illegal and unlawful. 
I have never come in to agreement with or produce a verbal or signature contract with Cavalry SPV I LLC,. This corp, Cavalry SPV I LLC, has inflicted harm on my estate, my interest, lively-hood ( job ) and XXXX, XXXX  which have received defaming correspondence as well and under false pretense levy illegal fines and present false claims to XXXX Superior court. This corporation is acting in bad faith and unlawful, as last I checked thru the credit agency 's this debt does not exist, further more this corp can not ever produce an original contract between parties, with this statement I would want a immediate cease and desist action, compensation for damages as follow ; 1. {$10000.00} per page in all correspondence, This is harassment. 
2. {$10000.00} per every {$1.00} seized from wages 3. {$120000.00} per instance ( 2 ) for pain, suffering and defamation., ( 2 ) -work-place defam/ Personal damages )
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled my credit attempting to purchase a home and found a number of incorrect accounts on my report the XXXX refuses to remove. not mine and fraud accounts my address should be XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX only wrong address are XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX, XXXX CO XXXX Fraud Accounts are the following : XXXX XXXX XXXX Account # XXXX Amount- {$400.00} XXXX XXXX XXXX XXXX  Account XXXX XXXX Amount- {$630.00} XXXX XXXX  XXXX Account XXXX XXXX Amount- {$1000.00} XXXX XXXX Account XXXX XXXX XXXX {$630.00} XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX Account # XXXX Amount- {$9000.00}
Product: Checking or savings account

In early XXXX of 2020 due to the fall of the stock market, which was affected by COVID-19, I called a Wells Fargo plan specialist to rollover my Wells Fargo 401K to an existing Wells Fargo IRA Time Account to avoid money being lost. A few days later, I checked my accounts online and saw a new saving account opened without my knowledge even thought I had never requested for a new account. I have called them numerous times to demand this account to be closed but to no avail.
Product: Vehicle loan or lease

I have been contacting Wells Fargo Office of the President for the last 3-4 months trying to get a letter from them. The dates are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 3 times because they kept transferring my call to someone else and/or hanging up ), XX/XX/XXXX and today XX/XX/XXXX ( 2 times ... counting the time the branch manager at Wells Fargo called requesting a payoff amount for the vehicle that was charged off ). Me and my husband is in the process of purchasing a home and our closing date was set for this week but unfortunately, we have to extend it because Wells Fargo Dealership Services and the Wells Fargo Office of the President group won't accept a payoff nor will they update my credit report to reflect being a closed account with a charge off. 

On the credit report it is incorrectly reporting to all bureaus ; mainly XXXX because my lenders are a branch of them. It states that the account is charged off but it also is posting as an active account showing that I am late each month. Also, the branch manager at the Wells Fargo located on the XXXX of   XXXX stated that the payoff amount quoted is {$0.00} because the account is past the statue of limitation but their intention is to keep a balance showing on my credit report of {$5900.00} to keep us for qualifying for the home loan. 

As I continued talking to the customer service representative ( s ) for Wells Fargo Office of President, I asked if they could remove the disputes from my credit report and give me a letter to present to my mortgage lender noting that they are working on removing and clearing them off. This account as wells fargo mentioned is past the statue of limitations too. It should have been removed a long time ago! 

In addition to how Wells Fargo is reporting on my credit report, they were sued by the courts and had proposed to remediate auto loan customers of Wells Fargo Dealers Services who may have been financially harmed due to issues related to auto Collateral Protection Insurance ( CPI ) policies. I attached that letter for your review. I was one of the customers impacted by the incident. On the second page of the attached document and the last paragraph on that page it notes that Wells Fargo will work with the credit bureaus to correct customers ' credit records.