23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

American Express promised a bonus offer would be credited within 5-7 business days. American Express now refuses to honor that promise, saying that it will be 6-8 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX refuses to take off a paid off credit card that was initially fraud, from XXXX it is destroying my credit and theyve told me they cant take it off until 7 years I have over 10 inquires from fraud they I can not take off my credit Wells Fargo refuses to remove a 9 year old credit card off my credit!
Product: Credit reporting or other personal consumer reports

These hard inquieres are fraudulent and doesn't belong to me and need to be removed. Also the nest as well. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These Hard Inquiries were made Frauduletly I do not recognize them, Please remove them from my creddit report. Thank you.
Product: Mortgage

My home mortgage is or was with XXXX XXXX a company out of XXXX from what I 've found online. In XXXX 2015 they stated XXXX XXXX XXXX. @ XXXX, will now handle their banking of loan. This XXXX was a scam, after many phone call saw that I was paying more to cover my property taxes, they 1st hide the fund seeing I would not drop it. They stated on my " Statement '' {$1700.00} paid in for credit? was for taxes. Then I thought was fixed they got the OK to sell to BSI in XX/XX/XXXX, we 'll XX/XX/XXXX rolls around taxes not paid, and the {$1700.00} was gone. BSI had a employee XXXX XXXX who stated that they and XXXX were partners same company just we do banking. He went on to state they had call 's, complaints and more that XXXX x of XXXX 's had issues with XXXX, fluffing the books, moneys missing. I gather proof with XXXX and mailed it to get told " we 've passed the loan '' and deal with the new company - BSI, just as shadie I 've called over 20 time W/cell phone, alone to show a pattern, leaving voice mails, no calls back. When their personal collecting agent call, I state I want to speak with XXXX, not available they 've now stated Monday XX/XX/XXXX he was fired. What it come down to for telling everyone the fact on XXXX rip you off, and we 'll BSI working to fix it but I feel it 's a scam also. We think XXXX feel 's I 'll drop it as, They stated " we do n't care to deal with it ''. I need someone to look into this ASAP, as it 's loan fraud by the banking again, if XXXX 's of XXXX 's are like me scammed then told late payment or skip a payment was to rip off payment. The scam like seen on news XXXX company all good loan 's set up a XXXX then " make 's mistakes, then they send buyer to home and by mail, the XXXX make sure to not take call 's, and loss more funds. I was never late, taxes covered, and all good the XXXX who work with XXXX come 's in now I have late fee 's money stolen, and we 'll found out all are all XXXX owned as XXXX company, trying to get more then they are allowed and my home, with banking scamming. 
I tryed to upload a letter or XXXX proof, just cant work computers -
Product: Vehicle loan or lease

I want to add my name to the list for the Wells Fargo settlement lawsuit. I had an auto loan with Wells Fargo starting in 2009 for a XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX, Experian and XXXX per 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report, which I reported to XXXX XXXX XXXX, yet XXXX XXXX XXXX is not removing this fraudulent account. XXXX XXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt. The following is the fraudulent account : XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint with my police report showing I have been a victim of identity theft. There were several items taken off of my credit including inquiries that I did not authorize. In XX/XX/XXXX I received notice that XXXX had experienced a data breach and information was compromised. On XX/XX/XXXX I pulled my credit report to qualify for a home loan and a account from XXXX XXXX XXXX was located on my credit report. I have called all 3 credit bureaus as well as XXXX XXXX to resolve this issue. I have faxed over police report and findings and these credit bureaus have refused to remove these derogatory items. I also noticed that I have a inquiry from XXXX XXXX XXXX which I also did not authorize. There is specifically a note on my account that advises credit can not be pulled without my authorization and that has not happened. I truly feel like my right as a consumer under the FCRA have been compromised. Please look into this matter immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX all have and account originally owned by XXXX XXXX the account was bought by XXXX XXXX XXXX. I started a complaint in XX/XX/XXXX to have this account removed first it was reaged by the company stating the account was delinquent the day they purchased it from XXXX which was in XXXX now showing XXXX on my credit report all this is incorrect the account was closed with Dominion XX/XX/XXXX and was actually paid out with my state tax in filing year XXXX but this company is pursuing a collection from me, for money that was paid Direct from my tax return to XXXX so this should be removed all together for the illegal reaging and the fact that funds were sent to XXXX for this debt. Also XXXX XXXX XXXX is another account that went delinquent in XXXX as reported by equifax in a dispute I file with them about the collection agency that purchased the account this agency was allowed to alter the dates as well to show a more recent delinquency and collection date to hinder my credit XXXX purchased this account XXXX and was allowed to alter the dates to show that date not the XXXX date that the original creditor reported to the 3 credit bureaus the 3 credit bureaus have continued to uphold the creditors side of this issue totally ignoring FCRA standards and the illegal practices of creditors to continue to change dates on old debts monthly or yearly to make them appear as if they are newer debts so they are able to remain on your credit longer the allotted time. I was unable to dispute this with a agent because I failed XXXX XXXX which is a questionnaire formed by information provided by creditors this information is all incorrect I failed it each time because the info they have have a job listed I havent worked at for 19 years they have credit card loans I never had and personal loans I never had. They deny me access to dispute based on information from someone who is not me who provided it to them on my behalf that is the most unprofessional practice I have ever experienced in my life you dont verify the creditor but you double triple verify the person who is going to be affected by this incorrect illegal information providing process
Product: Debt collection

Company/ debt collectors never called me or sent an email to reply about this debt.
Product: Credit card or prepaid card

Statement ending XX/XX/XXXX shows my promo balances. The one I am addressing is the no interest if PIF by XX/XX/XXXX. I called in XXXX and made a payment with an agent. She told me with the other purchase on there, I had to pay the MINIMUM MONTHLY DUE and then ANY thing OVER the minimum I could request but applied to the promo that expires in XXXX. So XX/XX/XXXX I had made the minimum {$250.00} payment. I called in and made a {$200.00} pmt XXXX ( same statement period, no pmt was due ) and was told it would come off of my promo balance with the expiration which it did leaving {$250.00} to pay on that promo. On XX/XX/XXXX I made the standard minimum due per statement of {$250.00}. On XX/XX/XXXX i called in to pay off the pro balance of {$220.00} and paid that ( totaling {$480.00} in payments in 24 hours ) I was assured this would clear out that balance on the promo leaving only the big balance left. However it was not. This was {$940.00} in payments over XXXX cycles. After the XXXX minimums of {$250.00} were applied the {$420.00} was to be applied and PAY OFF the promo balance expiring in XX/XX/XXXX. So please tell me why this wasnt done. I did EXACTLY as your company told me and it had been correctly applied the month before. I need this fixed immediately reflecting the promo balance with no interest if paid being PIF. Ive contacted them no less than 4x.
Product: Debt collection

When we moved from XXXX XXXX to an area oXXXX XXXX  XXXX, OK XXXX XXXX  was not yet available in that area ( this was 2017 ). We returned the box to a XXXX XXXX however, they put this on our credit report stating they didn't receive it. I have been told this is a standard practice for XXXX XXXX. This collection goes back 5 years yet is showing as a current collection and is being reported falsely. I had several conversations with XXXX regarding this in 2017, but they said I didn't return the equipment and I know I did. They don't give you a receipt when it's returned so you trust them to be honest.
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. 

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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXXXX/XX/XXXX XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

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

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

On XX/XX/XXXXXXXX XXXX XXXX, I placed an online order ( # XXXX ) with XXXX to purchase a wood chipper in the amount of {$1100.00}. I paid for this purchase using my Lowes Synchrony credit card. The estimated deliver time was two weeks. 
The credit card statement was received prior to the delivery of the item being delivered and I paid the credit-card off. 
The tracking of the purchase showed that the item was in XXXX for almost a month waiting to be delivered. 
On XX/XX/XXXX XXXX, I called XXXX  and spoke with XXXX who sent me an email stating my refund would process in the amount of {$1100.00} on XXXX On XX/XX/XXXXXXXX, I called XXXX and spoke with XXXX who sent me an email stating my refund would take up to thirty days to fully process. This is in conflict with XXXX policy for refunds as stated on their website at XXXX XXXX XXXX XXXX XXXX which states Purchases made with a debit card will be refunded as cash or credited back to the debit card, which may take up to 15 days. 
XX/XX/XXXXXXXX XXXX, A dispute was filed with Lowes Synchrony credit card and all of the supporting documents, including the emails from XXXX indicating they would be processing a refund were upload to the website. 
On XXXX XXXX XXXX I received an email from XXXX XXXX XXXX XXXX  XXXX indicating that Great news! Your order placed on XX/XX/XXXX2021 was successfully delivered. Thanks again for shopping at XXXX  The item was not delivered. 
On XX/XX/XXXX2021, I received an email from XXXX with Synchrony XXXX asking for my feedback on how they did resolving my dispute. 
On XX/XX/XXXX, I called the credit card company and they indicated the case was closed as XXXX indicated that no refund was due. The claim was reopened, and I was told that it would take up to 90 days for the investigation. 
On XX/XX/XXXX, I called XXXX ( XXXX ) and spent over an hour on hold on the phone with an agent who said they were attempting to resolve the issue and never returned to the call. 
On XX/XX/XXXX, A dispute was filed with the Consumer Financial Protection Bureau
Product: Vehicle loan or lease

Regional Acceptances is harassing me on my job about my past due loan. My son died in XXXX, I was out of work for several months due to this and the same for his dad and older brother. 

My older son lost his job, he is working again now. My husband lost his job, working two part time jobs. I just paid 2 payments. 

I have asked them on multiple occasions to NOT call my work number and they just did today at XXXX on XX/XX/XXXX. At my work # XXXX. XXXX with Regional Acceptance has my cell #, they have my email address and admitted to calling me everyday and emailing me. They also made me agree to allow them to do the automatic calls to my cell #. I am tired of the harrassment, especially at work. They just ignored my prior requests to NOT contact me at work on the job. 

Thank you, XXXX
Product: Checking or savings account

I am trying to rollover my Wells Fargo 401k to my existing XXXX XXXX rollover IRA. It is impossible to engage Wells Fargo Bank in any way to initiate this. They do not include adequate rollover information on their website. I am calling their Retirement Center now for the third time and have been on hold for over 3 hours. I have {$250000.00} languishing in the Wells Fargo account and have been unable for more than a month to initiate a transfer of funds. Today 's date is XX/XX/2020. 

There is more. It has taken me over two years to complete the QDRO process with this 401k with Wells Fargo because of their incompetence. I needed to follow up with them countless times to track progress and push them to complete the process. The final insult is that they made an egregious mistake with my last name, using my ex-spouse 's last name rather than mine, despite clear directions in the QDRO court-order. They denied access to my account for months because of their naming mistake. They also directed me to initiate a " name change request '' through their bureaucracy to correct a mistake they made. They only corrected the mistake when I finally threatened legal action. 

And now I can not access my funds of {$250000.00} as I wait for hours on their phone queue. And there is no rollover information on their website to get started. 

CFPB - Please address these matters with them and please help me to get my money. I need it badly and Wells Fargo Bank refuses to allow me access to the primary source of my net worth.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 1 5 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Student loan

On XX/XX/XXXX, I called Mohela and learned my account was on forbearance until XXXX XX/XX/2023. I was asked if I wanted a refund of the payment I made on XX/XX/XXXX, and I opted to have my payment amount applied to my XXXX statement. When I checked my account XX/XX/XXXX. I saw my payment hadn't been applied. The issue was escalated and I was told to wait XXXX business days for the issue to be corrected. It's now XX/XX/XXXX, the day before my due date and there's been no change to my account. 

Furthermore, account notices are not current. When I log in I see that my Account Alerts show that my account is still being updated. Note says to allow up to 30 days for updates, but there's no start date to indicate when the 30 days started.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$340.00} XXXXXXXX XXXX XXXX XXXX Balance : {$340.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX : {$340.00}
Product: Debt collection

As described in complaint # XXXX, the provided information sent toa previous landlord had a letter head stating it was from a XXXX XXXX atty at law. This letter was asking for personal information about me to include addresses aand phone numbers. 
In a simple search, it was revealed that it was a post judgment collection agency.

According to FDCPA policy sub section 804 paragraph 5 any symbol, name, etc etc. leading to the disclosure it is an attempt to collect a debt to a third party is by definition, according to FDCPA sub section 813 paragraph 2, subject to {$1000.00} per incidence of said violation.

As a result of that letterhead my former landlord willno liner give me a reference for future rentals. 
I find it hard to believe that a simple response " of any kind '' is enough to close this dispute while I can no longer get into housing I served my country to have the ability to obtain as a citizen. 
I have the letter, the envelope, and even retained representation from a FDCPA protection company, XXXX. I would love to enclose the pictureof the proof, but if I can't figure out howto download it, just ask instead of " closing '' a real complaint. My number is still XXXX, aand you have my e- mail. On top of that, a real agency is taking interest, so the must be something there. Call them. 
Lastly, upon any reply from a company, if which the lawyer 's name is on, should probably have said lawyer working at. All i got was a listof possible agencies, and they all went back to the same people answering the phone. I don't know which agency to even call or to whom I'm talking to. I'm pretty sure I joined the XXXX to protect all Americans, not just big business that has an automated response. Again, i HAVE the letter and envelope and everything enclosed.
Product: Checking or savings account

I have been using PayPal for over 15 years. I started buying small amounts of crypto when I learned I could do it with paypal. I have linked the same checking account for 15 years. On XX/XX/2021 I received an email telling me my account was frozen. I had violated their account agreement with suspicious activity. The activity was not identified. My account was frozen for 180 days. I was using crypto to save for a special project and I need my money now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted XXXX complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the account listed below has been verified and is accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed : XXXX XXXX XXXX XXXX