23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX from the executive customer relations team sent me a form letter and failed to resolve the customer service issues of my complaint. The XXXX from customer service is at extension XXXX, He left me a voicemail in XX/XX/XXXX, and today we were on the phone ( after I've sent him numerous voicemails ) and the call was disconnected. We had not yet addressed the concern. I called back and left yet again another voicemail for XXXX. I called a supervisor with Capital One and they told me they contacted XXXX and he refused to speak to me. The call was disconnected mid sentence and he won't even finish the phone call. It was on a recorded line. The company has failed to address my concerns around customer service numerous times and now just evades my contact. As a consumer Capital One is engaging in predatory behavior. They ran my credit, to open up a credit card, are not addressing my concerns and now refusing to talk to me about the issue. Besides XXXX the following representatives have failed to listen. You can hear in recorded phone calls them flat up denying to investigate what I allege I was told. THe rep names and ID 's besides XXXX whose name and extension are above are : XXXX XXXX XXXX XXXX Shy XXXX XXXX XXXX XXXX XXXX And once again XXXX with executive customer relations XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

27th complaint. PLEASE INVESTIGATE. I have made numerous attempts to correct the inaccurate reporting by Wells Fargo via CFPB, DIRECT DISPUTE, AND DISPUTING WITH THE CREDIT REPORTING AGENCIES. I was a authorized user for Wells Fargo account. Some way Wells Fargo has listed me as the co-obligor. The obligor filed Chapter XXXX bankruptcy XX/XX/2019 when the account was not past due. Wells Fargo decided to charge-off XX/XX/2019. Wells Fargo had a XXXX balance and decided that they would charge the account off on XX/XX/19. The XXXX balance is actually interest. Based on the history of the account, the obligor was only paying interest because of a 12 month no interest. After the last dispute, Wells Fargo waived the {$300.00} balance and advised of a {$21.00} refund but still reported inaccurate, negative reporting to my Credit Report. Paid Charge-off is still negative. This account/scenario should have never been charged off. PLEASE DELETE THIS TRADELINE OF MY CREDIT. THE INACCURATE CREDIT HAS DAMAGED MY REPUTATION AND CREDIT RATING. 
XX/XX/2019 Reported as charge-off XXXX XX/XX/2019 Reported as 120 days past due XX/XX/2019- Reported as 120 Days past due XX/XX/2019 Reported as Paid Charge OFF Wells Fargo waived fees of {$300.00} and then advised that a refund of {$21.00} is been sent. This is inaccurate reporting. 
Please Note : Based on the Credit Reporting Resource Guide, an account can not go from Charge-off to Past Due This is inaccurate reporting. 1st of all this should have never been reported on an authorized user credit. 2nd the reporting is inaccurate and not compliant with the FCRA and the most updated version of the Credit Reporting Resource Guide. 3rd a paid charge off is if a obligor pays an amount that was charged off. WELLS FARGO SHOULD HAVE WAIVED THE FEES WHEN THE OBLIGOR FILED BANKRUPTCY AND CLOSED THE ACCOUNT. Due to the inaccurate reporting, Wells Fargo has caused SERIOUS damage to my credit. I have been declined a job opportunity and creditors have lowered my credit limit due to the Serious Delinquency that Wells Fargo has reported. I have made several attempts but continue to receive inaccurate reporting. This is a violation of FCRA and UDAAP. I am requesting that the CFPB investigate my complaint and also review other complaints that are alike. I am holding Wells Fargo, Credit Reporting Agencies, and the CFPB responsible for the inaccurate reporting. I have fulfilled my duties as a consumer in notifying all parties of the inaccurate reporting. PLEASE ESCALATE MY DISPUTE TO YOUR LEGAL DEPARTMENT. PLEASE READ ALL OTHER DISPUTES AND RESPONSES AS PART OF YOUR INVESTIGATION
Product: Vehicle loan or lease

It is 2 years I'm trying to fix my car loan paid off issue, wrong credit reporting, and over-charged refund with Wells Fargo Bank, this issue has not been resolved despite with tons of phone calls, letters, disputes, etc, even to the Wells Fargo 's of the President. 

I bought a used XXXX XXXX XXXX from a dealership in XX/XX/XXXX at XXXX mile that they claimed was clean title, only to discover was accidental car, with hidden issues, not knowing it was a on finance from the Wells Fargo. I was charged {$16000.00} XXXX plus with a huge down payment to pay in 5 years, but refused and objected to pay it in 3 years which I did. 
In the process of paying, and getting closer to finalizing my payment, Wells Fargo began to add unnecessary charges into my account. In an instant, they added {$1100.00} to my account without any my prior information and approval. On several calls for better reasons and information from Wells Fargo, they kept rejecting calls, and lots of hanging up calls, and direct to voicemails, even to make payment becomes a problem getting live person. I finally succeeded in paying off the loan and the over charge balance all in the about of about {$2300.00} in a single payment with the agreed period.Dealing with WFDS gave me a very bad experiences with the Wells Fargo Dealership Services. 
After paying off, getting my title became another big issues, and finally got a copied title that was still in Wells Fargo 's Name. 
My Credit Bureau profile as of XX/XX/XXXX is still showing Paid, Closed, {$1800.00} written off. I have filed disputed with Wells Fargo to clear up this issues of erroneous and over-charging of my account, poor reporting, and Refund my {$1100.00} which they later claimed was for insurance of which I had personal insurance. All I am asking is correcting their mistakes, treating customers as they deserve, and refunding my over-charge {$1100.00} which is part of their poor reporting to the Credit Bureau as written of, it wasn't part of the load, it was my account over-charge payment of which has taking them over XXXX years to clearly account for, their promise to refund my over-charged payment should be swiftly acted upon.
Product: Debt collection

I received XXXX  care in XXXX XXXX XXXX with insurance. I received a surprise bill from XXXX XXXX XXXX for a bill amount of {$1000.00}. I reached out to my insurance company who informed me I was being balance billed and told me to send the emergency partners the service date explanation of benefits. I submitted it and they still forwarded the bill to a collections agency. I received a misleading automated message by phone when I called XXXX XXXX XXXX in XX/XX/2024 saying my bill was paid in full and I owed XXXX. This week XXXX XXXX, I received a call from a collections agency stating I owe the money and it is now in collections. I reached out and filed a no surprises act claim and I am waiting to hear back from the company. The company states the payment was declined by my insurance for exceeding occurrences however my insurance states that is incorrect. My insurance company states they are wrongfully balance billing me and gave me the resources to file claims. In the mean time the balance is sitting in collections however it is incorrect billing. Please take this as my formal dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS COST A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGE THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRES HAVE THEM REMOVE OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Money transfer, virtual currency, or money service

Money was sent to trustworthy individual via PayPal from funds in my bank account for a collectible pocket knife ( aka legal acceptable item according to PayPal and USG ) funds were withdrawn by PayPal immediately however received this message : Transaction Details Error Message Regulations require us to take a closer look at some transactions. Your payment is temporarily pending while we review it. 



Payment Sent ( Unique Transaction ID # XXXX ) Original Transaction Date Type Status Details Amount XXXX XXXX, XXXX Payment For XXXX XXXX XXXX Pending ... - {$500.00} USD Related Transaction Date Type Status Details Amount XXXX XXXX, XXXX Add Funds from a Bank Account CompletedYour transfer from your bank account to your PayPal account  is complete.Your transfer from your bank account to your PayPal account is complete. Details {$500.00} USD Business Name : XXXX XXXX XXXX XXXX The recipient of this payment is Verified ) Email : XXXXXXXXXXXX Payment sent to : XXXXXXXXXXXX Payment amount : ( in currency funded ) - {$500.00} USD Your fees : {$0.00} USD Your total charge : - {$500.00} USD Payment amount : - {$500.00} USD XXXX XXXX XXXX 's fees : {$0.00} USD XXXX XXXX XXXX receives : {$500.00} USD Note : The fees for this transaction are estimated, the actual amounts may be different after your recipient accepts the payment Date : XXXX XXXX, XXXX Time : XXXX PST Status : Pending Funds will be available to your recipient on or before : Our regulatory review may affect the date your money becomes available. 

Subject : You have sent {$500.00} USD to XXXX XXXX XXXX with PayPal Note : XXXX XXXX Funding Type : Instant Transfer Funding Source : {$500.00} USD XXXX XXXX XXXX XXXX XXXX XXXX ( Confirmed ) XXXX Back Up Funding Source : XXXX Credit Card XXXX The option to cancel this payment is no longer available. 

If you are n't satisfied with the service that PayPal 's provided you, you can contact these agencies : Consumer Financial Protection Bureau XXXX or XXXX ( TTY/TDD ) XXXX PayPal is withholding funds from my friend XXXX XXXX for no reason and has no means of being contacted. This is unacceptable. Thanks for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

BSI Financial Services is reporting lates on my credit file. I recently checked my credit and noticed these lates. I had been making my payments a little past due but not 30 days past due because of a custody battle i am currently in the middle of. I have had to pay large amounts in attorney fee 's and was running low on funds. Regardless I had been trying to make my payments asap to avoid these late notations on my credit file. The couple past due payments I was not aware of until I checked my bank account and realized it had not been drafted. I checked my online account and noticed that the payment had not gone through due to a incorrect account number that I was not aware of. I fixed it and sent it through hoping it would go through in time. It takes a while for it to process through the online system so I made the payment on time but it was not processed on time. I had been on time for the past three years and these late notations really dropped my credit scores. I am asking as a long time customer that you remove the late notations as a one time courtesy. I truly did not mean to be late but with COVID and trying to regain custody of my child it has been hard to make ends meet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX CO XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX Balance : {$3500.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I have tried calling the company that I owe my debt to and they were rude and hung up on me on several occasions. I am trying to pay my debt off because I am wanting to make a home purchase, but I am unable to since they are not wanting to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong information that I did not give consent to.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was a victim of identity theft. i have a couple fraud accounts on my report. they are XXXX XXXX  XXXX  opened XX/XX/2016 balance {$1000.00} XXXX XXXX XXXX XXXX opened XX/XX/2016 balance {$420.00} inquiry XXXX/XXXX inquiry XXXX  XXXX
Product: Credit reporting

I only have one correct address. I also only have one name. There are other names and addresses on my credit report as well as collections and accounts that do not belong to me. I would like these removed/deleted as they are inaccurately reporting to the Credit Bureaus and negatively affecting me. I would also like to request that an updated credit report be sent to me from all XXXX Credit Bureaus.
Product: Debt collection

I was contacted by Collection Professionals Inc ( CPI ) in late XXXX about a debt for {$570.00}. The debt was my name but I have a common name and did not recognize the business. I called to see what information I could learn and possibly dispute the debt. CPI eventually hung up on me after I stopped letting their employee interrupt me. I proceeded to contact them and start a dispute. This was done on XX/XX/XXXX. The final day I could start the dispute was XX/XX/XXXX. 

I never heard from the company again, until I was contacted by a servicing company on XX/XX/XXXX. I was eventually served papers on XX/XX/XXXX. Those papers ended up being service papers for a failure to pay a debt to CPI. CPI did not follow their legal obligation when I disputed a debt. I am now being sued for more than double the original amount because they did not respect my debt dispute. From my understanding, this is illegal let alone unethical.
Product: Credit reporting or other personal consumer reports

I have been requesting this information since XXXX of 2024. I filed disputes and mailed letters to XXXX, Transunion and XXXX. Also with each collection agency I have also requested all names address and work history to be removed
Product: Credit card

I received a Citi Bank card in the mail. I did request. They then sent me a yearly fee statement of {$99.00}. I called them. They said they would waive. Then received a statement and calls and emails saying I owed {$99.00}, yearly fee, {$30.00} late charge and {$52.00} interest. I called agin. They said they took care of. I then received another card in the saying it was a replacement card for the above card. And, then, it started all over. Same charges as stated above only on the replacement card. Calls threatening to turn in to collections. One rep. told me I didn't get to tell them what to do, they would tell me what I was going to do and then hung up on me. I have talked to no less that 5-6 people and they just keep sending me down the line. When I get upset they simply hang up. So, I am still gettin g unsolicited cards, being charged a yearly fee, late fees and interest on cards I NEVER applied for or want.
Product: Debt collection

{$95.00} being reported as delinquent when I didnt contract with this agency.
Product: Student loan

I recently graduated from XXXX and as such have close to {$500000.00} of debt. Unfortunately, being a XXXX person from a XXXX class family, the only way to achieve higher education is to borrow. There are no scholarships or grants for the white middle class. My loans were transferred to Navient. The issue is that they consistently send communications via email and also will tell me when I speak to them on the phone, that my payments are up to date. My dad and I started calling to make sure we confirmed with them because we kept getting charged random late fees. There will not be any payments due and suddenly in the same week there is a past due payment with late fee. I received an email on XXXX/XXXX/15 that my account was up to date and my next payment was due XXXX/XXXX/15. The next week I have 20 missed calls from an unknown number and suddenly they are past due for 3 months, and I owe {$1600.00} when I just paid {$3000.00} to stay current up until XX/XX/XXXX. IT MAKES NO SENSE. I 'm tired of being taken advantage of by these loan companies. First XXXX XXXX, now Navient. Now, my payments are suddenly {$3000.00} per month. As a first year physician in training I make {$2300.00} a month. How am I supposed to afford $ 3000 monthly payments now? They offer no assistance or flexibility. I went to XXXX because I was young and naive and wanted to help people. Now I 'm just getting XXXX. I have terrible credit, will never be able to buy a home or have enough money to have children until I 'm XXXX. I had no idea there was a such thing as poor XX/XX/XXXX.
Product: Student loan

I have called ACS multiple times over the past year to see if there was anything I could do to lower my monthly payment on my private student loans. I have been told that all options have been exhausted and there is nothing they can do unless I default on my loan. I have explained that I will not default and I do n't want to be in deferment or forbearance, I would simply like to find a way to lower my monthly payment and pay a little less per month. 

I am paying {$1000.00} per month ( {$260.00} for federal and {$730.00} for private ).
Product: Money transfer, virtual currency, or money service

I bought XXXX worth {$900.00} on the XXXX of XX/XX/year> at a XXXX atm with my phone number, later that day I got home and tried to create a new account to redeem the coin ( as this was the only way to get it ) but I couldn't create an account, it kept telling me I have an existing account with my phone number which I don't remember creating. I reached out to coinme and a ticket was raised, it's been over 3 weeks without an end and just today I received an email saying ticker resolved. Without giving me a way to get resolution. I still have the receipt to redeem the coin but since I can't create an account or get access to the one they said I created prior, I can't redeem that coin.
Product: Consumer Loan

GM financial sends me a paper statement that is {$160.00} short of my actual account balance. Online they show the correct balance. I have been trying to correct this for four months. I have called them I have been told is taken care of and they understand the problem yet I keep getting these fraudulent statements. I know they 're going to XXXX me at the end of the lease and I want this corrected.
Product: Money transfer, virtual currency, or money service

Dear CFPB, I am writing to file a complaint against a financial institution that goes by the name of AIRTM, Inc ( https : XXXX ). I recently used their platform to exchange American dollars for XXXX XXXX, and I have been met with an incredibly frustrating experience. I believe that this institution is engaging in fraudulent practices and misleading their customers. 

To begin with, the institution has not been forthcoming with information. They have not been transparent about their problems on their website, and I was not made aware of the issues before I attempted to make my transaction. As a result, I have been left without access to my money, and my account has been blocked. 

Furthermore, it appears that this institution has a history of these types of problems. I have heard from other customers that they have experienced similar issues, and yet the institution has not taken any steps to address these problems. 

In addition, I feel as though the institution has " swallowed '' my money. I can not change my currency or resend it back to my international bank account, and I have no idea when I will be able to access my funds. This has caused me a great deal of stress and anxiety, and I believe that the institution should be held accountable for their actions. 

I urge you to investigate this institution and take appropriate action to ensure that they are not engaging in fraudulent practices. I appreciate your attention to this matter and look forward to hearing back from you. 

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

What happened? 

Multiple student loans from XXXX have been inaccurately reported on my credit report. These loans should not be appearing on my credit report as they are protected under federal law. 

Details : - Three student loans from XXXX have been erroneously included on my credit report. 
- The loans were disbursed on the following dates : - XX/XX/XXXX ( Loan 1 ) - XX/XX/XXXX ( Loan 2 ) - XX/XX/XXXX ( Loan 3 ) - Each loan has a specific loan account number and amount. 

Actions taken : - I have not taken any actions regarding these loans, as they are protected under FERPA ( 20 USC 1232g ( b ) ) and should not be reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened fraudulently. Under the FCRA and fdcpa, i have the right to request detailed information from the creditor proving the account is mine such as :! ) I am entitled to see the source of the information, which is the original contract that contains my signature.

2 ) An explanation of what the money owed is for.

3 ) An explanation of how the amount owed was calculated.

4 ) Copies of any agreements signed obligating you to pay for the debt.

5 ) Provide copies or other verification of any judgment ( if applicable ).

6 ) Prove that federal and state statute of limitations applicable to the debt have not expired.

If such information is not provided within 30 days, the account has to legally be removed. Only if such information was presented can experian reject my dispute as frivolous. In addition, extra documentation was provided on my end and they still rejected it as frivolous. Although I have no knowledge of said account, I paid it in full and documentation was provided to experian and they still rejected the dispute. Please remove immediately or I will be forced to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act convergence numbers have violated my rights.

15 U S C 1681 602h, I have the right to privacy 15 U S C 1681 604a section 2, Consumer can not furnace a account with out my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX